Ideal's Mortgage Team works hard to bring you options that fit your needs best. Take a look at our current specials below, then meet with us to learn more about how we can help you achieve your goals.
Cabin or Second Home Loan1
Now offering a special rate to purchase a second home or cabin! Apply Now
- Eligible Four-Season Properties
- Competitive fixed and adjustable rates
- Homes located in Minnesota and Wisconsin
Zero Down Mortgage Loan2
Get into your new home sooner with Ideal's Zero Down Mortgage loan. Apply Now
- Zero down at closing
- Competitive fixed rate
- Up to 25-year terms*
No Lender Fee Mortgage Loan3
Enjoy the stability of a fixed rate with the added benefit of reduced closing fees. Apply Now
- Save an average of $1,750
- Competitive fixed rate
- Up to 30-year terms*
Additional Mortgage Programs
Additional products and rates are available, please contact us for more information.
- Call 651-747-4663
Medical & Dental Professionals Reduced Coverage Program4
The Reduced Coverage Program is designed for borrowers with high debt-to-income (DTI) ratios due to student loans or employment beginning post-closing. The program provides expanded benefits for borrowers whose professions indicate strong earning potential. Reduced Coverage benefits include:
- Reduced mortgage insurance premium
- 100% financing up to $850,000
- Student debt is excluded for any eligible professional currently in deferment or forbearance that is greater than 12 months
To get started, apply online or set up an appointment to meet with us for more information.
Meet the Ideal Mortgage Team
Meet the Team
Ko joined the Ideal Mortgage team in 2017. As Mortgage Sales Manager, Ko focuses his efforts on ensuring that our members are equipped with the tools and resources needed to make informed decisions. Ko enjoys sharing in the home buying or refinancing journey as it brings him great joy seeing how Ideal's products and services benefit our member's lives.
NMLS #: 1264959
Cynthia has been with Ideal CU since 1991. She has worked in the cash services area, member service, and mortgage area. Cynthia has dedicated her career to identifying our member’s needs to ensure the products and services they have are best tailored to their needs.
NMLS #: 446884
Jennifer joined the Ideal Credit Union team in 2020, and in her role, she enjoys helping members with every step of their home mortgage process. She believes that home is your safe place, where you can grow and build memories, and she truly values being part of your journey to homeownership.
NMLS #: 2248959