Mortgages & Home Equities

  • Competitive Rates
  • First Mortgage
  • Home Equity Line of Credit

Mortgage Application 

HELOC Application

Calculators

 

It is always our goal to be moving your money forward, and financing your home at a reasonable rate is at the top of the list! 

Whether it's a big move or a refinance of your current home, we'd love to help! Contact us directly at (208) 580-5626 so we can discuss your needs. We'll determine the best loan program for you, provide you with a preliminary mortgage cost sheet, and offer you a highly competitive rate along with "WOW" service to make your mortgage experience quick and easy! You'll work with a member of our fantastic Mortgage team!

              
Kim Wortham
Mortgage Manager
Patricia Christiansen
Mortgage Loan Processor
Lily Rodriguez
Mortgage Services Specialist

The following items are needed for any mortgage application:
 

  • Most recent pay stubs for all borrowers for the last 30 days
  • W-2/1099 forms for all employment income for all borrowers for the previous 2 years
  • Personal tax returns for the last 2 years with all schedules
  • Copy of the most recent checking/savings/retirement statements covering last 2 months with all pages
  • Copy of photo ID and social security cards for all borrowers
  • Written explanation of credit anomalies including: late payments, credit inquiries, charge-offs, collections, judgments and/or liens

Our Fixed Rate Mortgage program offers competitive rates and options for the purchase of a new home or a refinance of your existing home!

  • First mortgages up to 97% loan-to-value
  • First-time home buyer plans
  • Cash-out refinance on your existing home for other financial obligations
  • Non-owner occupied loans up to 75% loan-to-value
  • Construction and home improvement loans
  • Pre-approval available on approved credit
  • Free pre-purchase counseling with ACCEL
  • A variety of options up to a 30-year term
  • A smooth, seamless process for your closure
     

Apply Now

We offer two Home Equity Line of Credit options:

With our Freedom Line HELOC you will get:

  • Flexibility - use the loan proceeds for any borrowing purpose
  • 8-year draw period - you manage and access your own line of credit to meet your borrowing needs
  • Easy access - use checks, a debit card, or balance transfers through myPioneer Online Banking
  • Interest-only payments during the draw period

Our Home Flex HELOC offers:

  • Flexibility - use the loan proceeds for any borrowing purpose
  • 1-year draw period - 15 year repayment and interest-only payments during the draw period
  • Low fixed rate - don't worry about rising interest rates
  • Easy access - use checks, a debit card, or balance transfers through myPioneer
  • A great option for short-term expenses!
     

Apply Now

Rates as of December 15, 2016.

*HELOC rates are based on 3.75% Prime rate +/- margin with a floor rate of 4.00% as published in the Wall Street Journal. Loan to Value price adjustments apply. The maximum APR that may be imposed is 18%. Rates subject to credit approval. Property insurance is required. Second homes and investment properties may have a higher rate and lower Loan to Value. Additional fees may apply. The margin is determined by the borrower’s credit-worthiness. Any loan fee that is a percentage of the credit limit under the plan and an estimate of any other fees imposed for opening the plan, stated as a single dollar amount or a reasonable range. Please consult your tax advisor regarding interest deductibility.

**LTV is Loan to Value

***Annual Percentage Rate (APR) is accurate as of publication date and is subject to change. APR is based on qualified credit and are subject to credit approval. For example, a 1st mortgage at 4.192% will have 180 payments of $7.49 per thousand borrowed and a 2nd mortgage at 5.066% will have 180 payments is $7.94 per thousand borrowed. The payments do not include amounts for taxes and insurance premiums, if applicable, and that the actual payment obligation will be greater. Other conditions may apply. Application fee may apply.

All loans on approved credit and require application and membership.