First Mortgage

read moreWhether you're searching for the perfect home to raise your growing family or the right place to retire, you need manageable mortgage rates. The experienced staff at First Mortgage Co., Inc. can help you afford your dream home. Few investments are as important as your home. Not only is it a financial commitment, it's also the place you and your family will spend most of your time. We understand how vital it is that you find the best mortgage rates so you get the most out of your new home. First Mortgage Co., Inc. is a family-owned, direct lender.

read moreThe Making Home Affordable Refinance Program (HARP Phase II) is a government backed mortgage program that allows most borrowers with existing Fannie Mae and Freddie Mac loans to refinance their homes even if they owe more than their home is worth, have an adjustable rate mortgage, have been turned down for a refinance loan or loan modification in the past, or just can't afford their mortgage payment anymore. HARP Phase II's goal is to help you stay in your home by making it more affordable for you to continue to make your monthly mortgage payments and keep your dreams of affordable home ownership alive.

read moreRefinancing a home mortgage can be a big decision for many homeowners. Your situation and needs change over time so why shouldn't your mortgage? Now might be the right time for you to refinance into a lower rate mortgage. You should take the time to consider the following questions to see if refinancing makes sense for you. Refinancing is an easy way to solve many of your mortgage worries. Getting a lower monthly rate and paying less over the life of your loan just makes sense. At First Mortgage Company we're ready to find the right refinancing solution for you.

read moreThe pre-approval process is much more complete than pre-qualification. For pre-qualification, the loan officer asks you a few questions and provides you with a pre-qual letter. Pre-approval includes all the steps of a full approval, except for the appraisal and title search. Pre-approval can put you in a better negotiating position, much like a cash buyer. Usually people refinance to save money, either by obtaining a lower interest rate or by reducing the term of the loan. Refinancing is also a way to convert an adjustable loan to a fixed loan or to consolidate debts.

read moreIt's easy to understand why many people looking for a new home are turning to FHA insured loan programs. Because FHA Loans are insured by the Federal Housing Administration homebuyers have an easier time qualifying for a mortgage. Those who typically benefit most by an FHA loan are first-time home buyers and those who have less than perfect credit. With this information you can make a more informed decision on whether these government insured loans are right for you and your family. In response to the growing housing situation in the United States the loan limits for FHA Loans has been temporarily raised.

read moreOne of the most important steps to homebuying is to get a mortgage loan. New home loan purchases can be complicated, but our loan officers make the process simpler and more enjoyable. At First Mortgage Company, we draw on almost three decades of experience to assist our clients with new home purchase financing. As our name implies, we should be your first choice for home loan purchases in Boise, ID. Our small, family-owned business offers a personal touch and competitive rates with lower-than-average fees.

read moreWhen you need a loan, you also need a lender who will help you choose the best option and guide you through the loan process. For unmatched customer service and competitive loan interest rates in the Boise, ID, area, talk to First Mortgage Company. We provide the timely, personalized services you require. As a family-owned, direct local lender with more than 25 years of experience in the Boise, ID, area, First Mortgage Company is dedicated to giving every client the loan that's the best fit for them.

read moreAt First Mortgage Company, we are always looking for ways to better serve our customers. Our Rate Tracker service is a no-obligation, free service designed to help our customers find their desired lending scenario. Use our Rate Tracker to request notification when our rates reach a desired level. For more information, please contact us at 208-376-5670.