Jump to main content
Routing # 324173383
Two children running through a door into a home with a white brick fireplace, followed by two adults

Mortgage & Home Equity

It is always our goal to be moving your money forward, and getting you into your dream home 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! Pioneer is here to help move your home forward!

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!

We have several options available for your new home!

  • Conventional Mortgage Loans offer up to 97% loan-to-value, pre-approval on approved credit, and a variety of options up to a 30-year term with a smooth, seamless process for your closure.
  • FHA Financing is a great option for members who have less than A+ credit and whose debt-to-income ratio is improving. FHA Loans have a fixed rate up to 30 years and require life-of-loan mortgage insurance.
  • VA Financing is available for our VA service eligible members, and offer up to 100% financing. VA Loans are a perfect fit for VA members with less-than-perfect credit.
  • USDA or Rural Housing Financing offers up to 100% financing for homes within eligible rural areas. Good to moderate credit scores are required.
  • Idaho Housing (IHFA) Financing is a great choice for first-time home buyers! Down payment and closing cost assistance programs are available through IHFA Loans.


We offer two Home Equity Line of Credit options:

Freedom Line HELOC:

  • 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

Home Flex HELOC:

  • Flexibility - use the loan proceeds for any borrowing purpose
  • 1-year draw period - 15-year repayment period
  • 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 Online Banking
  • A great option for short-term expenses!

Apply Now

You've found the perfect neighborhood with the perfect lot. Now you need a house to fit! Design your dream home and build it, too, with a Construction Loan from Pioneer. Let us help you build the home of your dream from the ground up - or transform your current home! We will lend up to 80% LTV for members with a 680 credit score or above.

It's more than a house, it's your home where the best memories are made. Partner with Pioneer to move your home loan forward.

At Pioneer, we want to help everyone get into a new home. Our down payment assistance programs will get you there, even if you've just started saving!

  • The FHLB HomeStart® and HomeStart Plus® programs work with a homebuyer education program to give you all the tools you need for your first purchase!
  • The Good Rewards® Second Mortgage program gives you a down payment to work with when looking at first mortgage options. A good to moderate credit score is required.
  • The Down Payment and Closing Cost Assistance program can be combined with the Good Rewards program and give you at least $1,000 toward your down payment and closing costs. You must have a minimum $500 investment.
  • A $2,000 Give Assistance will give you 0.50% to 1.50% off your purchase price. It will affect the interest rate on your loan, but you are not required to repay the gift!

Closing cost promotion is only valid with new and refinanced mortgages.

*HELOC rates are based on the 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 4.500% will have 180 payments of $7.65 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.