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Mortgage Loans

Ideal CU has the programs and products you need to start and finish your home search all in one place.


Fixed-Rate Mortgage Options

A traditional fixed-rate mortgage is an excellent fit for borrowers looking for stable, predictable monthly payments over the life of the loan. This option is available for owner-occupied and second homes.


  • Can be used for owner-occupied and second homes
  • As low as 3% down payment for a purchase transaction, 10% down for a second home purchase
  • Mortgage insurance is required if you borrow more than 80% of the home’s value
  • Maximum loan amount: $417,000
  • 10, 15, 20 and 30 year terms
  • Available for single family, 2-4 units, condo, or townhomes

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