VA Loans

Apply Online Make an Appointment

Your service has earned you more than a pat on the back

Army, Navy, Air Force or Marines. The Coast Guard or National Guard. And let's not forget the Space Corps. No matter how you served your country, you've earned the thanks of a grateful nation. You've also earned access to special government-backed mortgages that feature a range of financial advantages that can help make you a proud homeowner.

VA Loan program is open to U.S. military veterans, reservists, active-duty personnel, National Guard members and eligible surviving spouses
Flexible loans can be used to purchase an existing home or refinance your current mortgage
With fixed-rate and adjustable-rate loans available, you have options to fit your financial needs
Loan qualification is easier with relaxed income and credit rating requirements
With limited closing costs and no down payment in most cases, you can buy a home without thousands of dollars in upfront costs
Competitive rates and no private mortgage insurance (PMI) mean more manageable monthly payments

Learn more about VA Loans by making an appointment with our team.

Cynthia Stewart

Cynthia has been with Ideal CU since 1991, working in the cash services, member service, and mortgage areas. With years of experience, Cynthia is dedicated to understanding members' unique needs and ensuring they have the best financial solutions.

Email: [email protected]
Phone: 651-773-2843
NMLS#: 446884

Apply with Cynthia

Available to meet in-person at the following offices:

Woodbury Eagan Inver Grove Heights Make an Appointment

Denise Swanson

Denise is a Mortgage Loan Officer at Ideal Credit Union with more than 14 years of experience. She works with members throughout the home loan process and is known for her patient approach. Denise listens carefully to tailor solutions to each member’s needs.

Email: [email protected]
Phone: 651-773-2823
NMLS#: 888469

Apply with Denise

Available to meet in-person at the following offices:

North St. Paul Hugo Stillwater Make an Appointment

Cynthia Stewart

Cynthia has been with Ideal CU since 1991, working in the cash services, member service, and mortgage areas. With years of experience, Cynthia is dedicated to understanding members' unique needs and ensuring they have the best financial solutions.

Email: [email protected]
Phone: 651-773-2843
NMLS#: 446884

Apply with Cynthia

Available to meet in-person at the following offices:

Woodbury Eagan Inver Grove Heights Make an Appointment

Denise Swanson

Denise is a Mortgage Loan Officer at Ideal Credit Union with more than 14 years of experience. She works with members throughout the home loan process and is known for her patient approach. Denise listens carefully to tailor solutions to each member’s needs.

Email: [email protected]
Phone: 651-773-2823
NMLS#: 888469

Apply with Denise

Available to meet in-person at the following offices:

North St. Paul Hugo Stillwater Make an Appointment

Cynthia Stewart

Cynthia has been with Ideal CU since 1991, working in the cash services, member service, and mortgage areas. With years of experience, Cynthia is dedicated to understanding members' unique needs and ensuring they have the best financial solutions.

Email: [email protected]
Phone: 651-773-2843
NMLS#: 446884

Apply with Cynthia

Available to meet in-person at the following offices:

Woodbury Eagan Inver Grove Heights Make an Appointment

Denise Swanson

Denise is a Mortgage Loan Officer at Ideal Credit Union with more than 14 years of experience. She works with members throughout the home loan process and is known for her patient approach. Denise listens carefully to tailor solutions to each member’s needs.

Email: [email protected]
Phone: 651-773-2823
NMLS#: 888469

Apply with Denise

Available to meet in-person at the following offices:

North St. Paul Hugo Stillwater Make an Appointment

Home Buying & Selling Seminars

Make plans to attend one of our upcoming free seminars to pick up helpful information about buying and selling a home.

Learn More

Lending in 42 States

Our partnership with Servion allows us to offer home loans in 42 states, with financing up to $832,750. Available on primary residences, second homes or investment properties, these loans can be used to purchase or refinance an out-of-state home.