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Special Mortgage Loans
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Special Mortgage Loans

Rural Development Mortgage

No down payment? No problem!

That's right! With a Rural Development Mortgage (RD Mortgage), a down payment is not required. You can finance 100% of your home purchase and, in some circumstances, you can even wrap the closing costs into the mortgage amount as well! RD Mortgages have a 30 year term and rates typically comparable to conventional mortgages

So, what are you waiting for? Stop renting and start owning.

Find your Home   Apply Now

Federal Housing Administration (FHA) Loan

The FHA Loan Program is an excellent option for first-time home buyers!

  • Finance up to 96.5% on a purchase, 85% on a cash-out refinance, or 97.7% on a rate/term refinance
  • Borrower must have at least 3.5% down payment, funds can come from gift monies

Find Your Home   Apply Now

Veteran's Affairs Mortgage (VA Loan)

ICCU's mortgage option specifically tailored to veterans, the VA Loan!

  • Eligibility is limited to honorably-discharged veterans and their spouses, reservists, and active duty personnel who have a current certificate of eligibility.
  • 100% financing is available
  • Two months reserve required on all purchase and refinance transactions
  • Second-home or investment properties do not qualify

Find Your Home   Apply Now

Vacant Land Loan

Looking at purchasing property? The Vacant Land Loan is perfect for building a home, hunting property, or as a future investment.

  • Financing available up to 70% of the purchase price, or appraised value for vacant land and/or hunting property.  
  • Five & seven year balloons are available to help make the payment more affordable. Amortization not to exceed 20 years. 
  • Available for property zoned as residential or single-family agricultural (not a working farm). 

Find Your Home    Apply Now


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ICCU NMLS# 400086

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