Absolutely! It's a great idea to get prequalified as you start searching for your new home. That way, you are sure to look at houses you are confident you can afford plus, the realtors and sellers know you can qualify for the mortgage, potentially making your offer more appealing than someone who isn't prequalified. Prequalifications are valid for 90 days. Apply online or request an appointment to learn more.

You do not need to be a member to apply for a mortgage, however you will need to be a member to obtain financing, so please make sure that you do qualify for membership. 

Currently, ICCU does not have a First Time Home Buyer Program.

However, if you are looking for a lower down payment requirement than ICCU's conventional mortgage, we do have options to help! 

• Federal Housing Administration (FHA) Loan
• Rural Development Home Loan

Yes! We will finance up to 20 acres of land with a Vacant Land Loan. 

Yes, ICCU offers a wide-variety of mortgage products, including:

• Conventional Mortgage
• 5,7,and 10 year balloon
• Residential Construction Loan
• Mobile Home Loan

As well as these special mortgage products:

• Federal Housing Administration (FHA) Loan
• USDA Rural Development Loan
• Veterans' Affairs (VA) Loan
• Vacant Land Loan

Yes! ICCU is happy to finance your second home or the perfect vacation home for you. 

You are welcome to apply online and we will follow up with you to confirm the amount and type of mortgage that would be best for you. If you are more comfortable talking in person, give the mortgage department a call and we can set up an appointment or you can request an appointment online. 

To get a mortgage, from start to finish, takes about 40 days, on average.

It depends, we would need to collect your income information, see your funds on deposit for a down payment, and pull your credit report to know for sure. However, please give us a call or stop by the Isabella Office, we would be happy to talk with you and get an idea before you apply. Request an appointment to avoid waiting in line!

Yes! As long as you are personally the owner of the property and not a business, we can finance the home with a consumer mortgage. You can have up to 2 rental properties. Apply online or request an appointment to learn more

If the rental/investment home is going to be owned by a business, it would need to be processed through our Commercial Real Estate program. For more information, fill out our Business Loan Inquiry and we will follow up with you within the next business day. 

If you are just beginning the process to find a home and are looking for a prequalification, you can simply fill out the online application. You'll need to know information off of your paystubs and W-2's. Once the process is started, we are happy to talk you through the rest. Give us a call or request an appointment to learn more. 

In order to fully complete the application process, you will need:

• Paystubs from the most recent 30 days
• W-2's and/or 1099's from the last 2 years
• 2 years of tax returns if you have any self-employed income
• Your current deposit account statements
• Most recent retirement account statement
• Purchase Agreement- if you've already signed one
• Copy of your current homeowner's insurance declarations page (for refinances)
• Current homes tax receipts (for refinances)