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.
Enter your yearly household income.
Savings and gifts from family count. Many first-time buyer loans need just 3% down; under 20% you pay mortgage insurance.
7.40% (Freddie Mac 30-year average, October 2026). Change it if you've been quoted a rate.
Enter your down payment.
| After | Paid in total | Still owed |
|---|
Fairway Independent Mortgage Corporation
5.0 · 276 reviews · Free pre-approval
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PrimeLending, A PlainsCapital Company - Downtown Boise
4.9 · 179 reviews · Free pre-approval
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Guild Mortgage - Joseph Pattee
5.0 · 161 reviews · Free pre-approval
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An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.
Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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).
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.
| # | Business | Rating | Reviews | Starting price | Phone | Website |
|---|---|---|---|---|---|---|
| 1 | Fairway Independent Mortgage Corporation | 5.0 | 276 | — | (208) 333-8220 | Visit |
| 2 | PrimeLending, A PlainsCapital Company - Downtown Boise | 4.9 | 179 | Quoted per loan | (208) 576-6981 | Visit |
| 3 | Guild Mortgage - Joseph Pattee | 5.0 | 161 | — | (208) 473-2182 | Visit |
| 4 | Guild Mortgage - Terry Heffner | 5.0 | 107 | — | (208) 901-3540 | Visit |
| 5 | PACFI Home Loans | 5.0 | 68 | Quoted per loan | (208) 807-0370 | Visit |
| 6 | Shayn D Carlson NMLS#76695 | Fairway Home Mortgage NMLS #2289 | 5.0 | 67 | — | (208) 866-4515 | Visit |
| 7 | Josh D Murphy | Fairway Independent Mortgage Corporation Branch Manager | 5.0 | 65 | Quoted per loan | (208) 283-8721 | Visit |
| 8 | Guild Mortgage - Kim Stastny | 5.0 | 46 | — | (208) 333-8150 | Visit |
| 9 | Guild Mortgage Company | 3.7 | 43 | Quoted per loan | (208) 321-0245 | Visit |
| 10 | Jason Hennemuth - Powered by Future Mortgage | 5.0 | 31 | Quoted per loan | (858) 752-7983 | Visit |
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.
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.
General information, not financial advice — consult a qualified professional.