Home Refinance

Mortgage NMLS# 401783

Mortgages

Home Refinance

Your Ideal Home Refinance Solution

Refinance your home mortgage loan with Ideal Credit Union for a potentially lower rate and payment.

Home Refinance Options


No Lender Fee Mortgage Loan

Skip the closing costs and save more with Ideal's No Lender Fee Mortgage available for purchase and refinance.
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Fixed Rate Mortgage Loan

Refinance to a potentially lower rate and payment with a traditional fixed-rate mortgage. Then enjoy predictable monthly payments over the life of the loan.
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Father with daughter in front of a house

FHA Mortgage Loan

This product is helpful for borrowers who want to refinance but have limited funds for a down payment. It offers both fixed and adjustable rate mortgages.

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ARM Mortgage Loan

This mortgage loan program offers a lower initial rate with built in rate protections for the borrower.
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Meet the Team

Cynthia Stewart | Mortgage Loan Advisor


Cynthia Stewart

Mortgage Loan Advisor
NMLS #446884

Contact Cynthia

Ko Xiong | Mortgage Loan Advisor


Ko Xiong

Mortgage Loan Advisor
NMLS #1264959

Contact Ko

dennis petronack


Dennis Petronack

Mortgage Loan Advisor
NMLS #1708436

Contact Dennis

Ideal Home Loans

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2018 - 19 Holiday Hours

Christmas Eve (2018)
Monday, 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 (2018)
Tuesday, December 25th
All locations closed.


New Year's Eve (2018)
Monday, 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 (2019)
Tuesday, January 1st
All locations closed



Martin Luther King Jr Day
Monday, January 21st
All locations closed.


Presidents' Day
Monday, February 18th
All locations closed.


Good Friday
Friday, April 19th
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 27th
All locations closed.


Independence Day
Thursday, July 4th
All locations closed.


Labor Day
Monday, September 2nd
All locations closed.


Columbus Day
Monday, October 14th
All locations closed.


Veterans Day
Monday, November 11th
All locations closed


Thanksgiving Day
Thursday, November 28th
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.