Idaho Rates by Credit Score
660 Credit Score Mortgage Rates in Idaho
A 660 FICO in Idaho is solid. Conventional financing is fully open with moderate risk-based pricing adjustments. FHA and VA remain options.
Conventional Loan Facts
- Down payment as low as 3% for first-time homebuyers, 5% for others
- Down payment assistance programs available to fully cover the 3% down payment
- Private Mortgage Insurance (PMI) required below 80% LTV - automatically removed at 78%
- Maximum DTI typically 45%, up to 50% with strong compensating factors
- Minimum credit score generally 620; best rates at 740+
- Available for primary residence, second home, or investment property
- No upfront mortgage insurance premium - only monthly PMI if applicable
Idaho Housing Market for a 660 FICO Buyer
Idaho's median home price is around $460,000. At 20% down, that's a $92,000 down payment and a $368,000 loan - well within the $200,000+ minimum for the Loan Factory $2,000 Best Price Guarantee. The pricer above is preset to this scenario.
Median home price
$460,000
Effective property tax rate
0.69% (≈$3,174/yr at median price)
Top metros
Boise, Meridian, Nampa
Frequently Asked Questions
What is the best mortgage rate for a 660 credit score in Idaho?+
The pricer above returns live wholesale rates for a 660 FICO in Boise, Idaho. A 660 FICO in Idaho is solid. Conventional financing is fully open with moderate risk-based pricing adjustments. FHA and VA remain options. Use the tabs to switch between Conventional, FHA, and VA.
Can I get a Conventional loan in Idaho with 660 FICO?+
Yes. 660 is comfortably above the 620 Conventional minimum in Idaho.
Is FHA or Conventional better at 660 FICO in Boise?+
Usually FHA in Boise at this FICO. Conventional risk-based pricing adjustments stack on lower scores. Compare both in the pricer above for your loan amount.
What is the Idaho loan limit at a 660 FICO?+
Loan limits in Idaho are not driven by FICO - they are set by FHFA based on county home prices. The 2026 baseline conforming limit is $806,500. Some Idaho counties exceed this up to $1,209,750. Your FICO affects rate and approval, not loan size.
Are mortgage rates for 660 FICO different in Idaho vs other states?+
No - rates are uniform nationally. Lenders do not adjust mortgage pricing by state. Property taxes, insurance, and DPA programs differ, which affect total payment but not interest rate.
Is the $2,000 Best Price Guarantee available at 660 FICO in Idaho?+
Yes. The Loan Factory $2,000 Best Price Guarantee is FICO-agnostic and covers qualifying Conv/FHA/VA loans of $200,000+ in Idaho.
Apply at 660 FICO in Idaho
Wholesale pricing, $0 origination, $2,000 guarantee on qualifying loans.
Start my application