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Review Keywords Analysis

  1. United States
  2. Best Mortgage Brokers
  3. Mortgage Brokers in Idaho
  4. Boise
  5. Mortgage Affordability Calculator
1 · Your income
2 · Down payment
3 · What you can afford
Step 1 of 3

Mortgage Affordability Calculator Boise, ID

How much house can you afford in Boise? See your maximum price, monthly payment and pre-approval estimate. Free, instant, no credit check.

Updated · current rates and lending limits

Add your partner's income if you're buying together.

Car loans, credit cards, lines of credit, student loans. Not rent.

Property tax are for this state.

An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.

Top-rated mortgage brokers in Boise

Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →

1

Fairway Independent Mortgage Corporation

Fairway Independent Mortgage Corporation offers personalized guidance through the home financing process, helping clients buy, build, or refinance with a variety of loan options tailored to individual needs. The team is known for clear communication and keeping borrowers informed from application to closing, making the experience more manageable and transparent.

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(208) 333-8220
Open 8:30 AM - 5:00 PM
7639 W Riverside Dr Suite 100, Boise, ID 83714
2

PrimeLending, A PlainsCapital Company - Downtown Boise

PrimeLending, a PlainsCapital Company, offers a broad range of home loan options including purchase, refinance, renovation, and VA loans, all supported by a streamlined digital application process. Clients appreciate the team’s clear communication and guidance, which helps make the mortgage experience more manageable and timely.

Services & Prices
Home Loan Quoted per loan
Refinancing Quoted per loan
VA Loans Quoted per loan
View Profile
(208) 576-6981
Open 8:30 AM - 5:00 PM
950 W Bannock St #420, Boise, ID 83702
General Services
Mortgage Services
3

Guild Mortgage - Joseph Pattee

Guild Mortgage - Joseph Pattee specializes in guiding clients through home purchases and refinancing with clear, straightforward advice. The team offers a variety of mortgage options, including VA loans and down payment assistance, and is known for responsive communication and problem-solving throughout the process. Some clients note occasional delays when team members are unavailable.

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(208) 473-2182
Open 8:30 AM - 5:30 PM
1211 W Myrtle St #380, Boise, ID 83702
4

Guild Mortgage - Terry Heffner

Guild Mortgage - Terry Heffner specializes in guiding homebuyers through the mortgage process with clear communication and patient support. The team offers knowledgeable, professional assistance that helps clients feel comfortable and informed from start to finish. Customers appreciate their responsiveness and ability to handle questions promptly throughout the journey.

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(208) 901-3540
Open 8:00 AM - 5:00 PM
1556 S Timesquare Ln Suite 200, Boise, ID 83709
5

PACFI Home Loans

PACFI Home Loans stands out for its no upfront fees policy and fast mortgage closings, often within 10 to 20 days. The team assists with home purchases and refinancing through a straightforward online process, guiding clients clearly through each step. Customers appreciate their responsiveness and support, especially when navigating paperwork.

Services & Prices
Home Loans Quoted per loan
Personal Loans Quoted per loan
Auto Loans Quoted per loan
View Profile
(208) 807-0370
Open 8:00 AM - 7:00 PM
10332 W Ustick Rd, Boise, ID 83704
General Services
Loan Services
Where they are 10 on the map Click a pin for the profile and directions
6

Shayn D Carlson NMLS#76695 | Fairway Home Mortgage NMLS #2289

Licensed under NMLS #76695 and affiliated with Fairway Home Mortgage, this team specializes in guiding clients smoothly through the home buying process. They offer mortgage brokerage services with clear communication and responsive support. Customers appreciate their helpfulness and the consistent updates provided at every step.

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(208) 866-4515
Closed Now
7639 W Riverside Dr Suite 100, Boise, ID 83714
7

Josh D Murphy | Fairway Independent Mortgage Corporation Branch Manager

Fairway Independent Mortgage Corporation offers a broad range of mortgage options, including conventional, FHA, VA, jumbo, and specialized loans like construction and renovation financing. The team provides personalized guidance through the loan process, with clients noting clear communication and a smooth experience from application to closing.

Services & Prices
Home Purchase Loan Quoted per loan
Mortgage Refinance Quoted per loan
FHA Loan Quoted per loan
View Profile
(208) 283-8721
Open 8:00 AM - 6:00 PM
7639 W Riverside Dr Suite 100, Boise, ID 83714
General Services
Home Financing
8

Guild Mortgage - Kim Stastny

Guild Mortgage offers a wide range of loan options, including programs for first-time buyers, refinancing, and military service members. The team provides clear communication and timely closings, with clients noting a smooth and professional experience throughout the mortgage process.

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(208) 333-8150
Open 8:30 AM - 5:30 PM
1211 W Myrtle St #380, Boise, ID 83702
9

Guild Mortgage Company

With a history dating back to 1960, Guild Mortgage offers a wide range of home loan options including VA, Jumbo, USDA, and renovation loans. Clients appreciate the team’s personalized guidance and local expertise, though some find certain communications more detailed than necessary. The company supports buyers through every step, from application to closing.

Services & Prices
Purchase Mortgages Quoted per loan
Refinancing Quoted per loan
Pre-Approval Quoted per loan
View Profile
(208) 321-0245
Open 8:00 AM - 5:00 PM
1556 S Timesquare Ln Suite 200, Boise, ID 83709
General Services
Mortgage Services
10

Jason Hennemuth - Powered by Future Mortgage

Known for a fast and straightforward mortgage process, Jason Hennemuth - Powered by Future Mortgage offers streamlined online applications and personalized rate quotes. The team assists with home purchase loans, refinancing, and pre-approval letters, focusing on clear communication and tailored terms. Customers appreciate their responsiveness and helpful guidance throughout the loan journey.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Quoted per loan
Loan Pre-Approval Quoted per loan
View Profile
(858) 752-7983
Open 00:00 - 23:59
1401 S Robert St Ste 208, Boise, ID 83705
General Services
Mortgage Services

Boise Mortgage Statistics

Home-purchase lending in Ada County and home costs in Boise, ID (latest HMDA and Census data)

Lenders made 8,653 home-purchase loans in Ada County in 2025 (average about $456,000) and denied 571 — 6% of decided applications, compared with 8% across Idaho, according to federal mortgage data (HMDA, CFPB). In Boise, the median home is worth $484,800 and 65% of owners have a mortgage, paying a median $1,779 a month (Census ACS 2020–2024).

Home-purchase loans, 2025
8,653▲ 14%7,599 in 2024
Denial rate
6%ID 8%
Median home value
$484,800ID $418,600
Monthly cost with a mortgage
$1,779median · ID $1,687
Refinance loans made (Ada County, 2025)
4,126 · 2,928 in 2024
Home-improvement loans made (2025)
2,221
Average home-purchase loan
$456,000 (ID $398,000)
Owners with a mortgage
65% · 25% of them spend 30%+ of income on housing
Median household income
$83,904 (ID $77,800)

Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Ada County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.

How this Boise mortgage affordability calculator works

Lenders look at your debt-to-income ratio. Housing costs (principal and interest, property tax, homeowners insurance and mortgage insurance) should stay under about 31% of your gross monthly income, and housing plus your other monthly debts under 43%. The calculator finds the highest home price that passes both tests with your down payment, on a 30-year fixed loan.

Idaho rules and numbers this calculator uses

Debt-to-income
31% for housing and 43% total, the FHA standard and the long-time Qualified Mortgage limit. Some conventional loans go higher with strong credit and savings.
Down payment
At least 3% on a conventional first-time buyer loan (3.5% on FHA). Under 20% down, private mortgage insurance of about 0.6% of the loan a year is added to the payment.
Property tax
About 0.43% of the home's value a year, the Idaho average for owner-occupied homes (2024 Census ACS).
Insurance
Homeowners insurance assumed at $150 a month; it varies a lot by home and location.
Rate
Starts at 7.40% (Freddie Mac 30-year average, October 2026). Change it to the rate you have been quoted.

An estimate, not a mortgage approval or pre-approval. Your credit, income type, the property and the lender all change the answer; a mortgage broker confirms your real number. Sources: Freddie Mac Primary Mortgage Market Survey (October 2026), U.S. Census Bureau American Community Survey 2024 property tax data, FHA and CFPB debt-to-income guidance.

Frequently asked questions

10 questions
How does the Boise mortgage affordability calculator work?
It estimates the highest home price you can qualify for based on income, debt payments, down payment, and interest rate. It includes PMI and property tax.
What is the debt-to-income ratio for mortgages in Idaho?
Lenders typically cap housing costs at 31% of gross income and total debt payments at 43%. Some loans allow more with strong credit.
What is the minimum down payment for a Boise home?
Minimum down payments are 3% for conventional first-time buyer loans, 3.5% for FHA loans, and 0% for eligible VA and USDA loans.
How do interest rates affect how much I can afford?
Higher interest rates increase monthly payments, reducing the home price you can afford. Rates start at 7.40% in this calculator.
Does debt affect how much mortgage I can qualify for in Boise?
Yes, higher monthly debt payments reduce the mortgage amount you can qualify for, as lenders consider total debt-to-income ratio limits.
What are Idaho's property taxes for homeowners?
Idaho property tax is about 0.43% of the home's value annually, based on the 2024 average for owner-occupied homes.
What's the difference between pre-approval and pre-qualification?
Pre-approval involves verifying income, debts, credit, and down payment, offering a more accurate estimate than pre-qualification.
Do I need PMI for a Boise mortgage with less than 20% down?
Yes, conventional loans add PMI, about 0.6% of the loan yearly, removable once the balance is below 80% of the home's value.
How much house can I afford on a 100k salary in Idaho?
The calculator estimates based on income, debts, and other factors. Lenders cap housing costs at 31% of gross monthly income.
What does a mortgage broker do in Boise?
A mortgage broker helps connect borrowers with lenders, offering loan options and assisting with the application process.

General information, not financial advice — consult a qualified professional.