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Ideal CU's Homebuyer Education Seminar opens the door to homeownership.

Topics will include:

  • Becoming Preapproved
  • Purchasing your first home
  • Moving up in home value
  • How to evaluate your credit
  • Selecting the right realtor and more

See a full listing of seminar dates on our Homebuyer Education Page



Ideal Credit Union is a HARP Lender

What is HARP 2.0?

HARP 2.0 is a program that allows homeowners who are underwater on their mortgage refinance to today’s much lower interest rates. In partIdeal CUlar, it's geared toward people who can't find assistance elsewhere and have made on-time mortgage payments.

Who is eligible to refinance using the HARP program?

In order to refinance your mortgage at Ideal CU under the HARP program your mortgage loan must meet these criteria:

  • The mortgage must be owned or guaranteed by Fannie Mae
  • The mortgage must have been sold to Fannie Mae on or before May 31, 2009
  • The mortgage cannot have been refinanced under HARP previously unless it is a Fannie Mae loan that was refinanced under HARP from March-May, 2009
  • The current loan-to-value (LTV) ratio must be greater than 80%
  • The borrower must be current on the mortgage at the time of the refinance, with a good payment history in the past 12 months

Check to see if your mortgage is owned by Fannie Mae here. Then apply to refinance your mortgage today!



VA guaranteed mortgage loans are available to Military Service Veterans, current active duty, service men and women and their surviving spouses


  • Fixed-rate option
  • No down payment
  • No Mortgage Insurance




This loan offers the flexibility of a home equity loan without the extra expenses incurred with a standard mortgage loan.  Enjoy minimal paperwork, a quick turn-around time, and no closing costs with a slightly higher rate.


  • 80% maximum loan to the value of your property
  • Loan amounts from $10,000 to $150,000
  • Loan terms from 5 to 30 years
  • Available for Single Family, 2-4 units, Condo, or Townhomes


This mortgage loan program offers a lower initial rate with built in rate protections for the borrower. The rate will not adjust more that 2% per year after the first five years not to exceed 6% from the starting rate for the life of the loan.


  • 5% down payment for a purchase transaction
  • Mortgage insurance is required if you borrow more than 80% of the home’s value
  • Maximum loan amount: $417,000
  • Available for single family, 2-4 units, condo, or townhomes
  • Owner-occupied and secondary residence

Request a Free Consult with a Mortgage Advisor

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