Unlock the Door to Homeownership
Purchasing your first home is a big and exciting adventure. It’s one of the largest purchases most will ever make. At the same time, a home is typically one of your best investments because home values tend to rise each year. Our First-Time Homebuyer Programs are created to help make the process easy and understandable.
We know buying a home for the first time can be a little intimidating. We’re here to guide you every step of the way. Start the application process through our online Mortgage Portal or contact a knowledgeable Mortgage Loan Officer.
Term Options
Up to 30 years
Down Payment
As little as $0 depending on loan type and down payment assistance available
Eligible Properties
Purchase, Primary Residence
ARM First-Time Homebuyer 100% Financed
This loan is designed for lower household income first-time homebuyers with little down payment. Qualifying first-time buyers can secure 100% financing with no mortgage insurance. This first-time homebuyer ARM loan has a below-market fixed rate for a certain period. After the fixed period expires, the rate can adjust within a capped margin. This loan requires first-time homebuyer education. If you are buying a home in Idaho, you can use funds from your Idaho First-Time Homebuyer Savings account.
We know buying a home for the first time can be a little intimidating. We’re here to guide you every step of the way. Start the application process through our online Mortgage Portal or contact a knowledgeable Mortgage Loan Officer.
Term Options
5yr/5yr
Down Payment
As little as $1,000
Eligible Properties
Purchase, Primary Residence
40-Year First-Time Homebuyer Mortgage
Owning your first home is a thrilling milestone and a smart financial move. Our 40-Year Mortgage Option is tailored for low to middle-income families, offering lower monthly payments to make homeownership more attainable.
Key Benefits
- 100% Financing: No large down payment needed.
- Low Minimum Contribution: Only $1,000 borrower required contribution.
- Gift Funds Allowed: Use gift funds after the minimum contribution.
- Extended Term: Lower monthly payments with a 40-year term.
- Homebuyer Education: Learn the homebuying process and mortgage management.
- Local Servicing: Personalized support from ICCU.
We’re here to guide you every step of the way. Start your application through our online Mortgage Portal or contact a Mortgage Loan Officer today. Ready to own your dream home? Contact us to learn more!
Term Options
Up to 40 years
Down Payment
As little as $1000
Eligible Properties
Purchase, Single Family, Primary Residence
Purchase or Refinance 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
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.
Mortgage Calculator
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.