Refinancing Your Home

Freedom Mortgage
This 5-10 year, no-fee loan is designed for members who want a short repay period or have a smaller loan balance. This is the last refinance loan you'll ever need. This loan has the same interest rate for the life of the loan.

• Absolutely no fees
• 5-10 year terms available
• Below market interest rate
• Fast closing times

Fixed-Rate Home Loans
These loans have the same interest rate for the life of the loan. This is the most popular type of home loan because it is easier to budget. Generally, the shorter the term, the lower the rate.

• Protection from rising interest rates
• Predictable monthly payments
• Low, affordable interest rates
• Multiple terms available - 10, 15, 20, and 30 years
• No initial loan application fees

Biweekly Home Loans
These loans have the same interest rate for the life of the loan. This option offers the convenience of making biweekly payments that can be tailored to your pay schedule.

• Protection from rising interest rates
• Save on interest expense
• Shorten the term of your loan
• Build your home's equity faster
• Convenient and flexible biweekly payment schedule

Advantage Adjustable Rate Mortgage
This loan offers an initial fixed rate and lower closing costs to save you money. For the first 5 years, the rate will be fixed at a "below market rate." After the fixed period expires, the rate may adjust every 5 years.

• Low initial rate - this product has a lower fixed rate for the first 5 years
• Less frequent adjustments - adjusts only once every 5 years
• Low closing costs - no origination fee
• Locally underwritten and serviced - we will not sell these loans
• Lower mortgage insurance premiums - more affordable monthly payments

Jumbo Financing
Idaho Central provides financing for loans above $417,000.

• Financing available up to 90% of the home's value
• Lower origination fees
• Locally underwritten and serviced - we will not sell these loans

Contact a Home Loan Specialist.

View rates for Home Loans.

Apply for a Home Loan online now!

Compare all of Idaho Central's home loans.