* $800,000 | 30-Yr-fixed | Credit Score 800+ | 25% Down Payment
Located in southern Idaho, Jerome is a welcoming, close-knit community known for its agricultural roots, open landscapes, and growing local economy. It’s ideal for homebuyers seeking affordability, space, and small-town living just minutes from Twin Falls. Whether you’re buying your first home or refinancing, Sammamish Mortgage is ready to help you navigate the local market with confidence.
Several personal and market factors impact the mortgage rate you’ll receive:
The current interest rate environment
Your credit score and income stability
Loan amount, type, and repayment period
Down payment size and loan-to-value ratio
Associated closing costs and fees
Our team works closely with you to explain these elements and match you with the most affordable rate available.
With decades of mortgage experience across Idaho and the Pacific Northwest, we bring localized knowledge, transparent communication, and a customer-first mindset to every loan. Whether you’re buying a home in the city or on surrounding farmland, we’ll help you move forward with clarity and ease.
Jerome features a mix of affordable starter homes, ranch-style properties, and modern new builds. Its low cost of living and proximity to larger cities make it a smart option for families, professionals, and investors alike. As the region continues to grow, so does the opportunity to build long-term equity here.
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.
Jerome 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.
{hours_open} - {hours_closed} Pacific
No Obligation and transparency 24/7. Instantly compare live rates and costs from our network of lenders across the country. Real-time accurate rates and closing costs for a variety of loan programs custom to your specific situation.
