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Specialty

IMCU offers specialty loans for all member needs.  If you'd like to speak with a mortgage loan officer to assist you in determining the best loan for you, contact us!
Jumbo Mortgages
Mortgage loan amounts over $453,100 are considered Jumbo. We offer several options to consider.  In addition to traditional fixed rate mortgages, popular portfolio ARM programs have some unique features attractive to Jumbo borrowers.

Available Programs
Jumbo Loan Amount to $2,000,000- Loan Terms: 15 & 30-years

Check rate below, or select your lender and apply now!
 
 
Construction
 Construction to Permanent loans provide our members with a loan to finance the construction costs to build a new home as well as purchasing a lot where needed. Mortgage Services will work directly with approved builders to manage the disbursement of loan proceeds during the construction phase.
 
Available Programs:
  • Conforming and Jumbo loan amounts- 5/1 Adjustable Rate Mortgages.  30-Year Terms. Interest-Only payments during the build period (draw period).
  • Conforming loan amount Lot Loans- 1/1 Adjustable Rate Mortgages.  30-Year Terms.
Check rates below, or select a lender to apply now!
 
Loans with no Private Mortgage Insurance
Private Mortgage Insurance allows you to borrow money even if you do not have a 20% down payment (or 20% equity when refinancing). Ask your IMCU mortgage professional  if you qualify for an alternative product.
 
Check rates below, or select a lender to apply now!
 
Piggyback Loans
Qualified borrowers may want to structure a mortgage transaction with two mortgages, a traditional first mortgage and a home equity line of credit. The combination sometimes is an alternative to paying mortgage insurance, jumbo rate or cash out fees.

Your IMCU mortgage professional can advise you on the advantages and disadvantages of piggyback loans.
 
Check rates below, or select a lender to apply now!