Mortgage Loans

Mortgage Loans

Perfect loan. Perfect home.

Whether you’re a first time home buyer or you’re just looking for the perfect new home, we’re here to help. Mortgage loans don’t have to be complicated. When you choose IHMVCU for your mortgage, you get more than a home loan. You get a guide to walk you through the process, before, during and after the purchase.

Couple Celebrating

Our mortgage loans feature:

  • Low closing costs
  • Competitive rates
  • In-house processing and underwriting
  • Local servicing

Plus, you benefit from the convenience of 17 branch locations and a robust Online Branch experience, making it easy for you to stay in touch and keep track of your payments.

Find your perfect loan.

  • Conventional mortgages
  • Adjustable-rate mortgages (ARMs)
  • No closing cost loans
  • FHA, VA, and USDA loans

Home Construction

Conventional Loans

First time homebuyers, 97% max loan-to-value   |   Current homeowners, 95% max loan-to-value

Conventional Programs:

  • Fixed rate mortgages (10, 15, 20, & 30 year terms)
  • Adjustable rate mortgages (5/1 ARM)
  • Construction loans
  • Investment property loans
  • Jumbo loans
  • Balloon loans

Government loans*

  • FHA financing (Federal Housing Authority)
  • 96.5% max loan-to-value
  • Available for lower fico scores (minimum of 580)
*all serviced through Plaza Home Mortgage  

VA loans*

  • Up to 100% max loan-to-value
  • Must be a Veteran to apply
*Veterans Affairs loans

USDA* Rural Development loans 

  • Up to 102% max loan-to-value
  • There are restrictions on income and area that property is located
*United States Department of Agriculture

Ready to get started? Here's what you need.

Prequalification is the first step on your journey to home ownership. We make it easy to get there. We’re available over the phone, by email or by appointment. When possible, we can even provide same-day approval!

You will need:

  • Two recent paystubs
  • Previous two years’ W2s and Federal tax returns
  • Two months’ checking and savings account statements
  • Child support order (if you’re required to pay)
  • Signed purchase contract

Looking for a Real Estate Agent?

IHMVCU offers our members a start to finish home buying experience through our partnership with RE/MAX Elite Homes.


Mortgage Calculators

  • Calculate a Mortgage Payment
  • Rent or Buy?
  • Proceeds from Sale of a Home
  • Home Affordability
  • Compare Two Mortgage Loans
  • Adjustable-Rate Mortgage Analyzer
  • Time to Refinance?

© Copyright 2017. IH Mississippi Valley Credit Union. All rights reserved. Federally Insured by NCUA | Equal Housing Opportunity | NMLS #463074

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