Green is Grand

Receive $1,000 off closing costs* when you fund a mortgage with Idaho Central. Our home loans are designed specifically to meet your needs. Whether you need your first home, are looking to upgrade, or are ready to build your dream home, Idaho Central has the loan for you.

Home Ownership Made Easy

We know that buying a home can be a little overwhelming, that’s why we’re thrilled to offer our members a special discount. When you fund your mortgage with us, you’ll receive $1,000 off your closing costs!* This is just one way we’re committed to making the home-buying process more accessible and affordable for everyone. View a variety of home loans designed specifically to meet your needs.

Purchase Your Home With Confidence

We want to help you through the loan process and get you resting comfortably in your home as soon as possible. Our highly trained, friendly staff understands the housing market where you want to live. After all, we live here too. We’re available to help during extended hours and on Saturdays.

Fast, Local Decisions

  • Local underwriting
  • Fast approvals
  • Fast closing, usually within 30 days
  • Local servicing on most loans

Save Money

  • Low, affordable interest rates
  • No initial loan application fees
  • Low mortgage insurance premiums
  • No origination fee loan options
  • Extended rate lock options available from 90 to 360 days
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Information and interactive calculators are made available as self-help tools for your independent use and are intended for educational purposes only. Any results are estimates based on the information provided by you, the user.

Personalized Rate Quote

Tailored to your unique circumstances, our personalized mortgage rate quote tool asks you a few questions about your current financial situation. Based on your answers you will be given a list of rates that fit your needs. Get your personalized mortgage rate today.

*$1,000 off closing costs expires 7/22/2024. Refinances, Freedom Mortgage, home equities and other no-cost loan options are excluded. No cash value. $1,000 promotional offer cannot be used toward down payment or with any other discounts and is not available on Home Equity Lines of Credit and will be applied at the time the mortgage is funded. All loans OAC. All loan applications must be submitted before 7/22/2024. Must be an Idaho Central Credit Union member to participate. Membership based on eligibility. Membership at ICCU requires a Share Savings Account with a minimum balance of $25. $5 membership fee is waived for this offer only. Equal Housing Lender.