Simple Home Loan Refinance
Save big with capped closing costs
Looking to refinance but don't want to pay high closing costs? Back by popular demand, the Simple Home Loan Refinance option makes refinancing more affordable with closing costs capped at $1,999.
- Maximum closing costs of $1,999 or less*
- Fixed and variable rate options
- Maximum loan amount $250,000
- Finance up to 80% of home's value
- Singe Family Home, 2-4 units, Condominium, and Townhome
- Primary & secondary occupancies acceptable
Get started
Get started now with our easy-to-use online application.
You can also make an appointment or give us a call at 651-747-4663
Mortgage Calculators and Resources
Calculators |
Check Rates |
Compare Loans |
Compare Mortgage Loans
Loan Type | Loan Benefits |
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Jump to Mortgage Specials | |
Conventional Loan Apply Now |
The fixed rate conventional mortgage loan is the most popular loan available today and features down payment options as low as 3%. |
Simple Home Refinance Apply Now |
The Simple Home Loan Refinance option helps you refinance more affordably with capped closing costs. Learn More |
FHA Loan Apply Now |
This product is helpful for borrowers with limited funds to use as down payment. It offers both fixed and adjustable rate mortgage options. |
Adjustable Rate (ARM) Loan Apply Now |
This mortgage loan program offers a lower initial rate with built in rate protections for the borrower. |
Jumbo Mortgage Loan Apply Now |
Jumbo mortgages are home loans that exceed conforming loan limits of $766,550. A jumbo loan is one way to buy a high-priced or luxury home. |
VA Mortgage Loan Apply Now |
VA guaranteed mortgage loans are available to Military Service Veterans, current active duty, service men and women and their surviving spouses. |
Mortgage Specials
Loan Type | Loan Benefits |
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Zero Down Mortgage Loan Apply Now |
Get into your new home sooner with Ideal's Zero Down Mortgage loan. Learn More |
No Lender Fee Mortgage Loan Apply Now |
Enjoy the stability of a fixed rate with the added benefit of reduced closing fees. Members save an average of $1,750 with this option. Learn More |
Community Heroes Mortgage Program |
If you work full or part-time in any of the following areas or are former military, you are eligible for a special 1% down payment offer on a traditional 30-year fixed rate* or adjustable rate mortgage. Learn More |
Fixed Home Equity Special Apply Now |
Enjoy waived closing costs up to $400 through September 30, 2019. Use the equity in your home to consolidate debt, pay for unexpected expenses, make improvements and more. Learn More |