FHA Home Loans

Buying a home is achievable with Idaho Central. The Federal Housing Administration backs qualified loans provided by Idaho Central to promote home ownership to those with low or moderate income or limited savings. You can do this!

Modern starter home

FHA Home Loan Is Best If:

You are looking to purchase a home with flexible loan options.

Home-Buying Dream

If home ownership is your dream, then don’t let low-income or limited savings stand in your way. Qualified loans by Idaho Central are backed by the Federal Housing Administration which means your dreams of owning a home can become reality. Use our online Mortgage Portal or contact a knowledgeable Mortgage Loan Officer to get started.

Term Options

15 or 30 years

Down Payment

As low as 3.5% of purchase price.
Gifted down payment funds from family are eligible.

Eligible Properties

Purchase, Primary Residence

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.

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