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Services

Extended Rate Lock

Get excited about your new construction home with Idaho Central Credit Union's Extended Rate Lock! With this service, you can confidently lock in a great rate, giving you peace of mind while you build your dream house. Don't let the worry of fluctuating rates hold you back. Go start building!

someone unlocking a door with keys

How Can an Extended Rate Lock Help You?

Locking in your mortgage rate is a powerful tool that puts you in control of your financial future. With a rate lock, you can breathe easy knowing that you’ll be protected from the ups and downs of the market. Imagine being able to secure a great interest rate and keep it for a set period, no matter what happens in the economy. That’s the power of a mortgage rate lock!

  • Available for new-construction homes only
  • Available from 90 to 365 days
  • Ability to float down to current qualifying rate1
  • Minimal upfront fees2

1$500 fee to buy down to current qualifying rate. Must be within 30 days of closing.

2Refundable or partially refundable at time of closing with ICCU. Small upfront fee to lock

Construction Loans

Build the home of your dreams from the foundation up with an Idaho Central Construction Loan. With fast, local decisions, and affordable interest rates, you’ll be building in no time!

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