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
Full Application
Have 15-20 minutes available and want to complete a full application on your own? Get started here.Mortgage Rates
Effective Date: September 24, 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 5.875% | as low as 6.120% APR |
| 30-Year Fixed | as low as 6.375% | as low as 6.568% 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
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.