Construction Loans Designed for You
Build the home of your dreams with an Idaho Central Construction Loan.
- One-time and two-time close options for loans
- Jumbo Loan options available for larger amounts
- Lock in your interest rate up front
- Interest-only payments during construction
- Flexible build times
- Fixed rate options available
Home Loans Made Easy
Home buying doesn’t have to be difficult. We’re here to help you get the home you want.
- Local underwriting and processing
- Low fees to save you money
- Extended rate lock options available from 60-365 days
- ICCU offers a variety of investment financing and refinancing options
- Idaho’s #1 mortgage lender based on 2024 Idaho county data
Home Equity
Did you know you can tap into the equity in your home for things like home improvements, debt consolidation, vacation, emergencies, and more? The options are endless with the last loan you’ll ever need.
Home Equity Loans (2nd Mortgage)
- Lump sum loan
- Can borrow up to 80% LTV
- Fixed term up to 15 years at a fixed rate
- Set monthly payment
Home Equity Line of Credit (HELOC)
- Low-variable rate. See current rates.
- Interest-only payments.
- Easy access to funds with a Visa card.
- Ten-year line of credit.