Mortgage Loans in Rathdrum, ID

Federal Funds Rate - Trends & Analysis:

Today’s Fed Funds Effective Rate is 3.75%. This rate has stayed the same compared to 1, 7, 30, 60, and 90 days ago. When the Fed Funds rate is steady, it can help keep mortgage rates stable since banks use this rate to set loan costs.

Credit Union Loan Rates - Trends & Analysis:

Baxter offers a 15-year conventional fixed rate at 5.75% and a 30-year conventional fixed rate at 6.5%, both unchanged from earlier in the month. Their 30-year jumbo fixed rate is 6.25%, steady as well. The 5-year ARM is at 5.25%, with no recent change. State Department offers a 15-year conventional fixed rate today at 5.625%, unchanged from last week but down 13 bp from a month ago. Their 30-year conventional fixed rate is 6.25%, steady from last week and down 13 bp over 30 days. The 30-year jumbo fixed rate is 6.625%, also steady from last week and down 13 bp from a month ago. The 5-year ARM is 5.75%, unchanged from last week but down 25 bp in the past 30 days. The 7-year and 10-year ARMs hold steady at 6.125% and 6.25%, respectively.

Nasa offers a 15-year conventional fixed rate at 5.875% today, up 13 bp from last week. The 30-year conventional fixed rate holds steady at 6.375%. FHA 30-year fixed loans are at 6.25%, also up 13 bp from last week. VA 30-year fixed loans are 6.0%, up 13 bp from last week. Jumbo 30-year fixed loans are at 6.5%, up 13 bp from last week and 13 bp higher than a month ago. Potlatch No. 1 Financial offers a 15-year conventional fixed rate at 5.875%, up 13 bp from last week. Their 30-year conventional fixed rate holds steady at 6.5%. The 30-year fixed FHA and VA loans are both 5.875%, unchanged from previous weeks. The 30-year conventional jumbo fixed rate remains at 6.5%, while the 30-year conventional fixed refinance rate is 6.625%.

Spokane Teachers offers a 15-year conventional fixed rate at 5.875%, up 13 bp from last week. Their 30-year conventional fixed rate holds steady at 6.5%. The 30-year FHA fixed rate is 6.125%, down 13 bp from a week ago. Jumbo 30-year fixed loans remain at 6.5%, rising 13 bp over the past 30 days. The 5-year adjustable rate is 6.375%, up 13 bp in the last 30 days. Caped-Credit-Union offers a 15-year Conventional Fixed at 6.0% and a 30-year Conventional Fixed at 6.5% today. The 30-year fixed rate dropped 13 bp from a week ago. For the 15-year Conventional Refinance, the rate is 5.875%, and the 30-year Conventional Refinance is 6.625%, with the 30-year refinance down 13 bp from last week.

Dupaco Community offers a 15-year conventional fixed rate at 6.0% and a 30-year conventional fixed rate at 6.375%, both unchanged from a week ago but up 13 bp from two weeks prior. The same rates apply for 15-year and 30-year conventional refinances. Numerica offers a 15-year fixed rate at 6.0%, down 13 bp from a week ago. Their 30-year fixed rate is 6.625%, unchanged from last week but down 13 bp from a month ago. The jumbo 30-year fixed rate is 7.625%, steady over the past week but up 13 bp from a month ago.

Digital shows a 15-year conventional fixed rate today at 6.125%, unchanged from last week but up 25 bp from a month ago. The 30-year conventional fixed rate is 6.875%, down 13 bp from last week but up 38 bp from a month ago. The 30-year conventional refinance rate is also 6.875%, down 25 bp from last week and up 38 bp from a month ago. First Technology offers a 15-year Conventional Fixed at 6.125% today, unchanged from last week but down 13 bp from a month ago. The 30-year Conventional Fixed is 6.875%, down 13 bp from both last week and a month ago. Jumbo 30-year Fixed is 6.75%, down 13 bp from last week but up 13 bp from a month ago. Adjustable 5- and 7-year terms are both at 6.0%, up 13 bp from last week and a month ago. The 10-year Adjustable Fixed is 6.75%, down 13 bp from a month ago.