Mortgages & Home Loans

Idaho Central offers a variety of home loans designed specifically to meet your needs. Whether you're just starting out and need your first home, are looking to upgrade, or are ready to build your dream home, Idaho Central has the loan for you. We offer quick, local decisions.

Women standing next to welcome home mat

Benefits that Go Above and Beyond

  • Local Underwriting & Servicing

    We know our markets.

  • Low Fees

    Let’s save you money!

  • First-Time Homebuyer

    Little to no money-down options.

  • Fast Approvals

    Your time is precious.

  • Extended Rate Lock

    We offer 90-to 360-day options.

  • Fast Closings

    Most loans close within 30 days!

Are you buying, refinancing, or building?

Idaho Central offers a variety of home loans designed specifically to meet your needs.

How much will your monthly mortgage payment be? Use this calculator to figure out your monthly payment, including your mortgage’s principal and interest payments as well as insurance and taxes.

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.

Contact Us

Have questions? Our Mortgage & Construction Loan Officers are ready to help. Feel free to give us a call or email regarding any of your mortgage needs. We love questions!

My Credit

Ever wonder what your credit score is or how to improve it? Well, let’s introduce you to My Credit! With a simple click you can check your credit score each time you log into eBranch. And yes, it’s all free. Awesome credit score here you come!

Person checking their credit on their phone

Become a Member

Idaho Central Credit Union was designed with one idea in mind, helping members achieve financial success. If you live or work in Idaho or Washington, chances are you can become a member of Idaho Central Credit Union.

Find Out How