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Mortgage Products

Fixed Rate Mortgage
A fixed rate mortgage (FRM) is a fully amortizing mortgage loan with an interest rate and payment that stays the same throughout the term. It is probably the simplest mortgage to understand since it has no variable features. The main advantage of a fixed rate loan is the protection from an increase in your payment if interest rates were to rise. Fixed payments also make it easier for you to plan and budget for your monthly expenses. You may want to consider a fixed rate mortgage program if you are on a fixed income, plan to be in the home for a long period of time or like the peace of mind of knowing your principal and interest payments never change.
Available Fixed Programs
  • Conforming Loan Amount to $484,300- Loan Terms: 10, 15, 20, 30- years
  • Jumbo Loan Amount to $2,000,000- Loan Terms: 15, 20, 30-years
  • Fixed Loans- Now serviced by IMCU! Competitive rates and closing costs! Available for up to $1,000 off Closing Cost Special1
Check rates below, or select a lender to apply now.
Adjustable Rate Mortgages
An adjustable rate mortgage (ARM) is a mortgage loan in which the interest rate can change periodically based on an index + a margin. The ARM is usually fixed for a set period of time and then adjusts at even intervals thereafter. The initial rate on an ARM is generally lower than a fixed rate mortgage, which can result in a lower monthly payment for the first several years. This may allow you more buying power compared to the same payment on a fixed rate mortgage. You may want to consider an adjustable rate mortgage if you are planning to stay in your home for 5 years or less. Although ARMs are not for everyone, there are many life circumstances that make the adjustable rate mortgage an option to consider. Talk with your IMCU mortgage professional for more information.
Available Adjustable Programs
  • Conforming Loan Amount to $484,300- Loan Terms: 15 (3/3 only) & 30-years
  • Jumbo Loan Amount to $2,000,000- Loan Terms: 15 (3/3 only) & 30-years
  • Special Closing Cost Offer Available! (Up to $1,000 off qualifying rate mortgage closing costs.  Loan Terms: 3/3 ARM, 5/5 ARM, 7/1 ARM and 10/1 ARM1)
Check rates below, or select a lender to apply now.
FHA loans are termed Government Loans. These loans are typically structured for the First Time Home Buyer. These loan guidelines provide for smaller down payments and flexible monthly income calculations.
Available Programs
  •  Conforming Loan Amount to $343,850- Purchase Fixed Rate- Loan Terms: 30-Years
Check rates below, or select a lender to apply now.
VA loans are available to a veteran, active duty, service member, National Guard member, Reserve member or surviving spouse of an eligible veteran. 
VA Loan Benefits:
  • 100% financing
  • No down payment
  • Less restrictive terms 
  • No credit score qualifying guidelines
Available programs: 
Conforming Loan Amount up to $484,300 (qualifications required),
No Monthly Mortgage Insurance
Check rates below, or select a lender to apply.
USDA loans are designed for properties in rural areas identified by the US Department of Agriculture.
USDA Loan Benefits:
  • 100% financing
  • No down payment requirements
  • Flexible credit and qualifying guidelines
Available ProgramsNo Purchase Price Limitations 
Purchase Fixed Rate Terms: 15-year or 30-year
Check rates below, or select a lender to apply.
1Up to $1,000 off closing cost for new IMCU fixed and adjustable rate first mortgage loan programs. offer available on qualifying mortgage programs: up to $1,000 with loan amounts of $100,000 or more. $500 for loan amounts between $50,000-$99,999. Refinance of an IMCU first mortgage is not eligible. Limited time offer and subject to expiration or change without notice. Property must be a primary residence, single family residence and 10 acres or less. Minimum 680 credit score. Lender credit applied at closing. Lender credit will not include funds required for down payment, will not be applied toward prepaid interest,  mortgage insurance, property taxes or hazard insurance. Purchase transactions containing Seller Credits designated for application toward specific closing costs (i.e. Owner's Title Policy) will be applied as stated in the purchase contract. All other Seller &/or Realtor Credits will be applied toward applicable prepaids. Seller and Realtor Credits exceeding the actual cost of the transaction, may not be used in their entirety. Effective 1.1..2019.