Home Loans

A mortgage that comes with a fixed rate interest rate that will not change for the life of the loan. May feature lower interest rates than other loans.

A mortgage that is underwritten solely by the credit union and generally features less fees and more flexible requirements than a Standard Fixed Rate Conventional Loan.

This program provides low, fixed rate mortgage loans for home buyers purchasing their first home. Income qualifications apply and servicing of these loans must be transferred to Idaho Housing Authority.

A type of loan used to buy a vacant lot or land to eventually build a home on.

A loan to finance the purchase or refinance of a titled manufactured/mobile home.

Rewriting and changing the terms (interest rate/payment/term/loan amount) of your existing mortgage.

This program is used in combination with other loan programs to allow home buyers to financed 100% of the purchase price. Borrowers are subject to certain qualifications.

The Federal Housing Administration guarantees the repayment of the loan to the lender in the event the buyer cannot pay it back. VA will guarantee it for veterans and active military. Servicing is transferred.

Loans for properties that will not be owner occupied.

A loan taken out in order to update, remodel or improve your home.

A loan similar to a credit card that uses the equity in the members' home as collateral, giving them access to cash to improve their homes, consolidate debt or other needs that arise. This loan comes in two options of a fixed rate of interest with a short term or an adjustable rate over a longer term.

A temporary, 12 month loan used to 'bridge' the gap between buying a new home, while selling a current home. This loan allows the member to utilize the equity in a current home until it is sold.