* $800,000 | 30-Yr-fixed | Credit Score 800+ | 25% Down Payment
Located along the Boise River and adjacent to downtown Boise, Garden City combines the energy of urban life with the charm of a smaller community. Known for its arts district, riverside greenbelt, and growing brewery scene, Garden City attracts a mix of professionals, creatives, and families. Whether you’re relocating, upgrading, or investing, we’ll help you finance a home that fits your lifestyle.
Several financial and market-based elements can impact your mortgage rate:
National and regional economic conditions
Loan type (fixed, FHA, VA, etc.) and loan term
Credit score, income, and financial background
Down payment size and home price
Lender fees and estimated closing costs
Our advisors will walk you through these factors and recommend the right mortgage solution based on your goals.
With more than three decades of mortgage experience across the Northwest, Sammamish Mortgage delivers dependable service, competitive rates, and a customer-first approach. We take pride in helping Garden City homebuyers make smart, confident decisions.
Garden City offers a diverse mix of real estate, from modern townhomes and renovated cottages to riverfront homes and live-work properties. The area’s revitalization and proximity to downtown Boise make it a smart place to invest and settle down.
Want the transparent mortgage rate? You’ll need to work with a mortgage lender that has a reputation for transparency. This helps ensure the loan you get is right for you, not just the biggest one you qualify for.
Garden City borrowers have multiple loan options when it comes to getting their hands on a real estate loan. Here are some of the most popular home mortgage loan programs:
30-year fixed rate conventional loans provide Idaho home buyers with a low monthly mortgage payment, in exchange for more total interest paid over the life of the loan.
Veterans, active duty military, or surviving spouses of service members may be able to get a VA loan with a low down payment or no down payment at all.
If you have a low income or are a first-time home buyer, an FHA loan might help you buy a home sooner than you expected. You’ll be able to take advantage of flexibility when it comes to your down payment and credit score, and may also be able to qualify for closing cost assistance.
Living in an expensive zip code may make you think you’ll have to rent forever. However, a jumbo loan can be right for you if your chosen neighborhood has homes priced over conventional loan limits.
Whether you’re buying a home or ready to refinance, our professionals can help.
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