Solutions for Mortgages

Dreaming of a new home?

Submit your contact information to connect with a team member or click below to start your loan application now.

Whether you are buying or refinancing your home, ICCU's mortgage experts promise you exceptional personal service. We know that your house is more than just a roof over your head; it's a place for you to feel safe and make memories to last a lifetime.

Mortgage Loans





Mortgage Rates


Effective Date: September 3, 2025

Loan Type/Details Note Rate APR After Prepaids*
15-Year Fixed as low as 5.750% as low as 5.916% APR
20-Year Fixed as low as 6.000% as low as 6.247% APR
30-Year Fixed as low as 6.500% as low as 6.696% APR
5-Year Balloon | 30-Year Amortization as low as 5.750% as low as 6.005% APR
10-Year Balloon | 30-Year Amortization as low as 6.000% as low as 6.156% APR
Vacant Land Loan | 5-Year Balloon add 1% to current rate
*Rates are subject to change without notice and are based on LTV ratios, credit scores, and other factors. APR is calculated based on a mortgage loan amount of $175,000.00; purchase or no cash-out refinance with 80% financing and 740 and higher credit score. No points.


Meet Our Mortgage Team

Whether you are considering purchasing a new home, refinancing your current home, or are simply exploring your options, ICCU is here for you, every step of the way.

Gail Zeneberg

NMLS #405283
Mortgage Loan Originator
(989) 773-5927 ext. 242
gzeneberg@iccuonline.com

Nathan Lehman

NMLS #2417042
Mortgage Loan Originator
(989) 773-5927 ext. 427
nlehman@iccuonline.com

Dan Timmins

NMLS #685747
Mortgage Loan Manager
(989) 773-5927 ext. 230
dtimmins@iccuonline.com

 

Solutions for Life Podcast: Home Sweet Home - Navigating Mortgage Loans

Thinking about buying your first home? Don’t miss this episode of Solutions for Life Podcast, where ICCU’s AVP of Brand Engagement, Nicole Mozurkewich, sits down with Mortgage Loan Manager Dan Timmins to unpack everything you need to know before taking that big step.

What you'll discover:

  • How mortgage loans work: From application to closing.

  • Loan types explained: Fixed-rate, adjustable, FHA, VA, conventional—know your options.

  • Getting financially ready: Budgeting, credit prep, down payment considerations.

  • The full home-buying journey: Pre-approval, house hunting, closing process demystified.

  • Helpful programs & smart strategies: First-time buyer tools, common mistakes to avoid, long-term tips.

  • ICCU’s role: How our member-focused support can guide you through every stage.

Whether you're planning, browsing listings, or almost ready to make an offer—this episode is packed with expert insight and confidence-boosting advice.

Listen now on YouTube