Mortgage Loans in Kuna, ID

Federal Funds Rate - Trends & Analysis:

Today’s Fed Funds Effective Rate is 3.75%. This rate is the same as it was 7, 30, 60, and 90 days ago. When the Fed Funds rate is steady, it helps keep pressure on mortgage rates stable since lenders often use it as a benchmark for borrowing costs.

Credit Union Loan Rates - Trends & Analysis:

Potlatch No. 1 Financial offers a 15-year conventional fixed rate at 5.75%, down 13 bp from last week. Their 30-year conventional fixed is 6.5%, unchanged from last week but up 13 bp from a month ago. The 15-year conventional refinance rate is 5.875%, down 13 bp from last week. The 30-year conventional refinance rate is 6.625%, steady from last week but up 13 bp from a month ago. FHA and VA 30-year fixed rates are both 5.875%, up 13 bp from last week. The 30-year jumbo fixed rate is 6.5%, steady from last week but up 13 bp from a month ago.

Spokane Teachers offers a 15-year conventional fixed rate today at 5.75%, down 13 bp from last week but up 13 bp from a month ago. Their 30-year conventional fixed rate is 6.5%, up 13 bp from last week and 25 bp higher than a month ago. The 30-year FHA fixed rate is 6.25%, up 13 bp from last week and 26 bp from a month ago. The 30-year VA fixed rate holds steady at 6.25%, unchanged from last week but up 13 bp from a month ago. The 30-year Jumbo fixed rate is 6.5%, up 13 bp from last week and 25 bp from a month ago. The 5-year ARM conventional fixed rate is 6.375%, up 13 bp from last week and 25 bp from a month ago.

State Department offers a 15-year conventional fixed rate today at 5.625%, unchanged from last week but up 13 bp from a month ago. Their 30-year conventional fixed rate holds steady at 6.375%, also up 25 bp from four weeks prior. Jumbo 30-year fixed loans are at 6.75%, rising 25 bp over the past month. Adjustable rates for 5-year, 7-year, and 10-year terms range from 5.875% to 6.25%, with the 7- and 10-year options up 25 bp in the last 30 days. Dupaco Community offers a 15-year conventional fixed rate at 5.875% and a 30-year conventional fixed rate at 6.25%, both down 13 bp from last week. The same rates apply for conventional refinance loans. Rates have eased slightly over the past week, making it a good time to consider locking in your mortgage.

Caped-Credit-Union offers a 15-year conventional fixed rate at 6.0% today, down 13 bp from last week. Their 30-year conventional fixed rate is steady at 6.625%. The 15-year conventional refinance rate is also 6.0%, unchanged from last week. The 30-year conventional refinance rate is 6.75%, down 13 bp from two weeks ago but up 13 bp from a month ago.

Digital shows a 15-year conventional fixed rate today at 6.125%, up 25 bp from last week. The 30-year conventional fixed rate is 6.875%, up 38 bp from last week and 63 bp from a month ago. The 15-year conventional refinance fixed rate matches the purchase rate at 6.125%, also up 25 bp from last week. The 30-year conventional refinance fixed rate is 6.875%, with the same weekly and monthly increases as the purchase rate. Jumbo 30-year fixed is at 6.75%, up 25 bp from two weeks ago and 50 bp from a month ago.

First Technology offers a 15-year conventional fixed rate at 6.125%, down 13 bp from last week, and a 30-year conventional fixed at 6.875%, also down 13 bp over seven days. The jumbo 30-year fixed is 6.75%, down 13 bp from last week but up 25 bp over the past 30 days. Adjustable 5- and 7-year ARMs are steady at 5.875%, with a slight 13 bp rise over 30 days on those terms. The 10-year ARM stands at 6.75%, down 13 bp from two weeks ago but up 13 bp over 30 days. Numerica offers a 15-year fixed conventional loan at 6.125% today, unchanged from a week ago but up 25 bp from a month ago. Their 30-year fixed conventional rate is 6.625%, down 13 bp from last week but up 13 bp over the past month. The jumbo 30-year fixed rate is 7.625%, rising 13 bp in the last week and 25 bp since a month ago.

Alliant shows a 15-year conventional fixed rate today at 6.125%, up 25 bp from last week and last month. The 30-year conventional fixed is 7.0%, also up 25 bp over the same periods. Adjustable 5-year and 7-year ARMs are at 6.0% and 6.125%, respectively, with smaller increases of 13 bp from last week and 25 bp from last month. The 10-year ARM is 6.375%, rising 13 bp from last week and 25 bp from last month. American Airlines offers a 15-year conventional fixed rate at 6.21% and a 30-year conventional fixed rate at 6.583%, both unchanged from last week but up 13 bp from a month ago. Their 5-year adjustable rate stands at 6.533%, up 20 bp from a month ago.