Home Equity Loan Blackfoot ID

Local resource for evaluating home equity and mortgage information in Blackfoot. Includes detailed information on local businesses that provide access to home equity loans, home lenders and mortgage brokers, as well as advice on home equity line of credit, mortgage refinance and second mortgage.

U.S. Bank - Blackfoot Branch
(800) 872-2657
9 South Ash Street
Blackfoot, ID
ATM Fees
monthly fee: Monthly service fees range from $0 to $10.95. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM after 2 uses per month. (Fee does not apply to all accounts.) (Not all accounts provide this fee waiver.)
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided By:
Wells Fargo - Blackfoot Branch
(866) 245-3452
109 South Broadway
Blackfoot, ID
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

Data Provided By:
U.S. Bank - Shelley Branch
(800) 872-2657
201 West Pine Street
Shelley, ID
ATM Fees
monthly fee: Monthly service fees range from $0 to $10.95. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM after 2 uses per month. (Fee does not apply to all accounts.) (Not all accounts provide this fee waiver.)
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided By:
Washington Federal - Idaho Falls Branch
(206) 624-7930
500 North Capital
Idaho Falls, ID
ATM Fees
monthly fee: Monthly service fees range from $0 to $8.00. See institution about how these monthly fees can be waived.
Services
Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided By:
Wells Fargo - Idaho Falls West Side Branch
(866) 245-3452
635 North Skyline Drive
Idaho Falls, ID
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

Data Provided By:
KeyBank - Blackfoot Branch
(888) 539-1234
15 North Ash Street
Blackfoot, ID
ATM Fees
monthly fee: Monthly service fees range from $0 to $25.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM. (Fee does not apply to all accounts.)
ATM Fee Rebate Noe: Some accounts provide rebates of ATM Surcharge Fees. Contact KeyBank for details.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided By:
Washington Federal - 715 W. Judicial Branch
(206) 624-7930
715 W. Judicial
Blackfoot, ID
ATM Fees
monthly fee: Monthly service fees range from $0 to $8.00. See institution about how these monthly fees can be waived.
Services
Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided By:
KeyBank - Idaho Falls Branch
(888) 539-1234
501 Broadway
Idaho Falls, ID
ATM Fees
monthly fee: Monthly service fees range from $0 to $25.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM. (Fee does not apply to all accounts.)
ATM Fee Rebate Noe: Some accounts provide rebates of ATM Surcharge Fees. Contact KeyBank for details.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided By:
Wells Fargo - Idaho Falls Main Branch
(866) 245-3452
320 A Street
Idaho Falls, ID
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

Data Provided By:
U.S. Bank - Idaho Falls Branch
(800) 872-2657
330 Shoup Avenue
Idaho Falls, ID
ATM Fees
monthly fee: Monthly service fees range from $0 to $10.95. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM after 2 uses per month. (Fee does not apply to all accounts.) (Not all accounts provide this fee waiver.)
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided By:
Data Provided By:

Residential Mortgage

Residential Mortgage - Info

Residential Mortgage is a mortgage on a residential property, tax-deductible for individuals up to $1 million.

1. A temporary, conditional pledge of property to a creditor as security for performance of an obligation or repayment of a debt.

2. A contract or deed specifying the terms of a mortgage.

3. The claim of a mortgagee upon mortgaged property.

Understanding the Key Elements

A mortgage is a long-term loan obtained from a bank, thrift, independent mortgage broker, online lender or even the property seller.

Because mortgages are such large loans, consumers repay them over long periods -- usually 15 to 30 years. A monthly mortgage payment is called a PITI payment. That's because each one covers a portion of the following four costs:

Principal:the loan balance.

Interest: interest owed on that balance.

Real estate Taxes: taxes assessed by different government agencies to pay for school construction, fire department service, etc.

Property Insurance:insurance coverage against theft, fire, hurricanes and other disasters.

Depending on the kind of mortgage a borrower has, the monthly payment might include a separate levy for mortgage insurance.

The breakdown of each payment changes over time because mortgages are based on a repayment formula called amortization. Means that the lender spreads the interest you owe on the mortgage over hundreds of payments. This keeps the monthly payments low.

Process

We start with the three phases of getting a mortgage for a house:

1. NEEDS AND GOALS: Figure out what kind of mortgage is wanted, determine how much can be afford and anticipate what other steps are involved. Once you have established these preliminary boundaries, it would be beneficial to speak with a mortgage consultant; together, you can determine the optimal loan amount and program best suited to your needs.

2. PRE-APPROVAL: Provides confidence, knowing that you are pre-approved for home financing allows you to search for properties with confidence, having eliminated financing issues.

3. APPLICATION PROCESS: These are some of the things needed:

  • Copies of your most recent, consecutive pay stubs (covering 30 days), or a copy of a signed offer letter stating your new salary/


  • Most recent 2 years W2's.


  • Most recent 2 months consecutive bank statements (all pages) to verify assets, including checking/savings, mutual funds, and brokerage accounts.


  • Miscellaneous information, such as copies of resident alien cards, visas, divorce decrees, etc., may also apply, depending on your particular situation; your mortgage consultant can advise you about documenting any unique information.


  • 4. UNDERWRITTING: Underwriting is the process of evaluating your credit history, debts, assets, income, and information about the property you are looking to purchase, in order to make a mortgage loan decision.

    5. PROCESSING involves the collection of all the outstanding documents that are needed to satisfy the conditions that were set forth by the underwriter in your commitment letter. These conditions could include verifying your income and assets, reviewing the Purchase and Sale Agreement and appraisal, or documentation to substantiate past credit issues, child support/alimony payments, receipt of gift funds, employment information, etc.

    6. CLOSING: Is when the mortgage is activated, the title (ownership) to the property is transferred from the seller by recording a deed, and you are given the keys to your new home.

    Home | About | Contact | Register Your Company