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Faith Tholkes

Vice President of Mortgage Operations
Faith has been a part of the Ideal CU Team since 1996 and joined the mortgage team in 1998, where Faith soon learned the real estate market was in for a roller coaster ride of a lifetime and became committed to ensuring the credit union philosophy was upheld and sound mortgages were provided. While outside...

Vice President of Mortgage Operations
Faith has been a part of the Ideal CU Team since 1996 and joined the mortgage team in 1998, where Faith soon learned the real estate market was in for a roller coaster ride of a lifetime and became committed to ensuring the credit union philosophy was upheld and sound mortgages were provided. While outside of the credit union you will find Faith enjoying time with her husband, son, and dogs enjoying the outdoors (weather permitting) or catching a new flick in the cinema.  

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Faith Tholkes

Can I Buy a House When I'm Paying Off a Student Loan?

Young couple looking at house

Q: Is it possible for me to buy a house while I’m still paying off my student loan?

A: Student loan debt that is managed responsibly should not hold you back from buying a house. There are several factors to consider before making this choice, as well as steps to take before you start house-hunting.
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Student loan Debt Home buying Homeownership College grad
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Faith Tholkes

Mortgage Rates are Dropping - Should I Refinance?

Smiling couple standing outside home

With mortgage rates at historic lows, you may be thinking about refinancing you mortgage. Is now a good time? Refinancing a mortgage is essentially paying off the remaining balance on an existing home loan and then taking out a new mortgage on the same home, often at a lower interest rate. It may sound like a no-brainer, but there are many factors to consider. 

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Mortgage & Real Estate Refinance Homeownership Lower rates Mortgage loan
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Faith Tholkes

Saving On Home Renovations

woman painting wall blue

Is your home in need of a facelift? As you probably know, renovations don’t come cheap. In fact, the average kitchen remodel tops $60,000 and bathroom overhauls can cost $18,000! But, with some careful planning, you can shave thousands of dollars off these price tags. Here are 7 ways to save:

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Renovations Financing options Saving money Home Improvements Home Equity
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Faith Tholkes

Mistakes First-Time Homeowners Make

Buying a house is one of the biggest decisions you will ever make, and there are common mistakes that many first-time homeowners regret making. Here’s how you can avoid them.

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2020 - 21 Holiday Hours

Martin Luther King, Jr. Day

Monday, January 20th
All locations closed.

President's Day
Monday, February 17th
All locations closed.

Good Friday
Friday, April 10th
All locations open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.

Memorial Day
Monday, May 25th
All locations closed.

Independence Day
Saturday, July 4th
All locations closed.

Labor Day
Monday, September 7th
All locations closed.

Columbus Day
Monday, October 12th
All locations closed.

Veterans Day
Wednesday, November 11th
All locations closed

Thanksgiving Day
Thursday, November 26th
All locations closed.

Day after Thanksgiving
All locations are open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.

Christmas Eve
Thursday, December 24th
All locations open until 1:00 p.m.
Lobby - 9:00 a.m. to 1:00 p.m.
Drive-thru - 9:00 a.m. to 1:00 p.m.

Christmas Day
Friday, December 25th
All locations closed.

New Year's Eve
Thursday, December 31
All locations open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.

New Years Day (2021)
Friday, January 1st
All locations closed