Primary location
1112 First St SouthNampa, ID 83651
sidney.vogt@usbank.com
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Primary location
1112 First St South208-465-3697
208-602-5170
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The mortgage rates shown below assume a few basic things, including:
Rates are current as of .
See rates for other states.
Term | Rate | APR | Monthly Payment | Points |
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30-year fixed | ||||
20-year fixed | ||||
15-year fixed | ||||
10-year fixed |
Term | Rate | APR | Monthly Payment | Points |
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10/6 mo | ||||
7/6 mo |
Term | Rate | APR | Monthly Payment | Points |
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10/1 yr | ||||
7/1 yr | ||||
5/1 yr |
Term | Rate | APR | Monthly Payment | Points |
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30-year fixed - FHA |
Term | Rate | APR | Monthly Payment | Points |
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30-year fixed - VA |
Term | Rate | APR | Monthly Payment | Points |
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30-year fixed - jumbo | ||||
20-year fixed - jumbo | ||||
15-year fixed - jumbo |
Mortgage Loan Officer
NMLS# 410668
208-465-3697
208-465-3697
208-602-5170
Connect when it's convenient for you. Request a call.
Ready to apply? Start your application.
ApplyThe mortgage rates shown below assume a few basic things, including:
Rates are current as of .
See rates for other states.
Term | Rate | APR | Monthly Payment | Points |
---|---|---|---|---|
30-year fixed | ||||
20-year fixed | ||||
15-year fixed | ||||
10-year fixed |
Term | Rate | APR | Monthly Payment | Points |
---|---|---|---|---|
10/6 mo | ||||
7/6 mo |
Term | Rate | APR | Monthly Payment | Points |
---|---|---|---|---|
10/1 Jumbo | ||||
7/1 Jumbo | ||||
5/1 Jumbo |
Term | Rate | APR | Monthly Payment | Points |
---|---|---|---|---|
30-year fixed - FHA |
Term | Rate | APR | Monthly Payment | Points |
---|---|---|---|---|
30-year fixed - VA |
Term | Rate | APR | Monthly Payment | Points |
---|---|---|---|---|
30-year fixed - jumbo | ||||
20-year fixed - jumbo | ||||
15-year fixed - jumbo |
Mortgage Loan Officer
NMLS# 410668
208-465-3697
208-465-3697
208-602-5170
Connect when it's convenient for you. Request a call.
Ready to apply? Start your application.
ApplyUse our mortgage calculator to help you better understand your home financing options.
Mortgage Loan Officer
NMLS# 410668
208-465-3697
208-465-3697
208-602-5170
Connect when it's convenient for you. Request a call.
Ready to apply? Start your application.
ApplyMortgage Loan Officer
NMLS# 410668
208-465-3697
208-465-3697
208-602-5170
Connect when it's convenient for you. Request a call.
Ready to apply? Start your application.
ApplyGet answers to your questions regarding home financing, refinancing and more.
Construction loans are short-term, interim loans used for new home construction, including land, contractor labor, building materials, permits and more. With these loans, the contractor receives disbursements as work progresses. There are several construction loans designed to fit nearly every new home construction need. Some options include construction-only loans and construction-to- permanent loans, where the loan is used for the construction of the home and then converts into a permanent mortgage loan.
Construction loans are short-term loans that cover the cost of building a new home. These loans are usually shorter in duration and proceeds are paid directly to the contractor in installments, or “draws,” as building milestones are achieved. An inspection is typically required before each payment is released to the contractor. To learn more about how construction loans work, connect with your mortgage loan officer.
If you’re considering a construction loan, there are a variety of qualifying factors, including but not limited to, credit score, debt-to-income ratio and credit history. Contact your mortgage loan officer to see if you qualify for a construction loan.
A fixed-rate loan is one of the most common types of home loans. Benefits include a consistent rate, predictable monthly principal and interest payments and a flexible down payment. If you meet the U.S. Bank credit score and debt-to-income ratio (the ratio of total monthly debt payments – not including utilities, cell phone or cable service – compared to gross monthly income) requirements, a conventional fixed-rate loan may be a good option for you.
A fixed-rate loan is a type of loan that comes with an interest rate that won't change for the life of the loan. Check out today’s rates for a conventional fixed-rate loan or compare mortgage rates for a variety of loan options. Connect with your mortgage loan officer to learn more about how fixed-rate loans work.
Monthly principal and interest payments on a conventional fixed-rate mortgage remain the same for the life of the loan, making it an attractive option for those who plan to stay in their home for several years. With an adjustable-rate mortgage (ARM) the interest rate may change periodically, based on a pre-determined index – for example, the U.S. Treasury – and margin set by the bank. The initial interest rate is fixed for a set period of five, seven or 10 years depending on the loan product, and then becomes variable. An increase or decrease depends on the market conditions at the time of the conversion to the variable rate and during the adjustment period thereafter. This may be a good option for those who plan on moving within a few years. Consider the benefits of each to determine which makes the most sense for your situation.
If you’re considering a lot loan, there are a variety of qualifying factors, including but not limited to, credit score, down payment amount and debt-to-income ratio. Contact your mortgage loan officer to learn more about how to get a lot loan.
A lot loan is a mortgage that pays for a residential lot on which a single-family detached home will be built in the near future. It’s different from a construction loan in that it only pays for the lot the home will be built on. The construction loan pays for the construction of the home itself. Condo properties and properties with existing structures on the site are not eligible.
Lot loans are available to qualified buyers who are interested in buying a lot to build a home on. With lot loans, the initial interest rate is fixed for a set period and then becomes variable, adjusting every year for the remaining life of the loan. For example, a 5/1 ARM lot loan has a fixed rate for the first five years and an adjustable rate for the remaining duration of the loan. To learn more about how lot loans work, connect with your mortgage loan officer.
A single-family home may be fully detached or a semi-detached, side-by-side structure such as a duplex, row house or townhome. They are typically site-built (vs. being factory built) and must have certain characteristics. For example, they must have a ground-to-roof wall, their own heating system and utilities and no units located above or below.
Yes. A townhouse is considered a single-family home. Townhomes are individually owned and come in a wide range of sizes and configurations, usually sharing one or two walls with adjacent properties. Residents are responsible for both the interior and exterior of the property, since they own the portion of the land on which the townhome sits. Townhomes function much like condos in that they’re generally part of a homeowner’s association and may come with homeowners’ association (HOA) fees.
To qualify for a mortgage loan when self-employed, you’ll need to fill out the same application and meet the same requirements as regular salaried or hourly workers with a W-2 from their employer. The difference is that, you’ll also need to provide some additional documentation, which may include two years of employment verification and income documentation.
To calculate your monthly income, you’ll average your adjusted gross income (total income minus deductions) from the last two years of tax returns. Take your adjusted gross income from each form, add the two numbers together and divide by 24. While there are several factors that determine your eligibility, this simple equation will provide a rough estimate of the amount your mortgage lender will use for consideration of a mortgage loan.
To qualify for a mortgage loan when self-employed, you should be prepared to meet a variety of qualifying factors that can include credit score, down payment and debt-to-income ratio. You can strengthen your ability to qualify by taking steps to build and maintain a solid credit history and score prior to applying for a loan. If you’re a current U.S. Bank customer, you can monitor your credit for free with our tool. Getting a home loan when you’re self-employed is certainly possible, but you must be prepared for a slightly different mortgage process.
Mortgage Loan Officer
NMLS# 410668
208-465-3697
208-465-3697
208-602-5170
Connect when it's convenient for you. Request a call.
Ready to apply? Start your application.
ApplyBy selecting "Continue," you will leave U.S. Bank and enter a third party Web site. U.S. Bank is not responsible for the content of, or products and services provided by , nor does it guarantee the system availability or accuracy of information contained in the site. This Web site is not controlled by U.S. Bank. Please note that the third party site may have privacy and information security policies that differ from those of U.S. Bank.
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