Freedom Mortgage

The road to financial freedom is shorter than you think with an Idaho Central Freedom Mortgage. Refinance your home with a shorter term, no fees, and keep the same interest rate for the life of the loan. This is the last refinance loan you’ll ever need!

Dad with Daughter sitting on his shoulders smiling


You are looking to refinance your home into a shorter term with no fees.

Freedom Here We Come

Purchasing a home is such an exciting life moment. But think about paying off your home loan. That’s pure joy! With a below-market interest rate and fast closing times, you’ll be well on your way with an Idaho Central Freedom Mortgage. You got this!


5 to 12.5 years


No closing costs

Eligible Properties

Refinance, Primary Residence, Second/Vacation Home, Investment/Rental Property, Manufactured Home

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

How much could you save by refinancing your mortgage? Use this calculator to figure out how much you could reduce your monthly and total loan payments if you refinance your mortgage.

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