Mortgage Loans

Perfect loan. Perfect home.

When you choose IHMVCU for your mortgage, you get more than a home loan.

Not just a mortgage.

It's where dreams become memories!

Questions?

Chat with one of our
mortgage loan experts

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.

OUR MORTGAGE LOANS FEATURE:

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

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

Find a Mortgage Loan Officer

Find your perfect loan

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

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Conventional Loans

First-time home buyers:
97% max loan-to-value

Current homeowners:
95% max loan-to-value


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

Mortgage Rates

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Government Loans*


FHA Financing (Federal Housing Authority)

  • 96.5% max loan-to-value
  • Available for lower FICO scores (580 minimum)

*Serviced through Plaza Home Mortgage

 

Mortgage Rates

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VA Loans*


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

Mortgage Rates

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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

 

Mortgage Rates

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Renovation/Home Improvement Loan


  • Improve outdated homes
  • Upgrade bathrooms, kitchens, and outdoor living spaces
  • Available for purchase or refinance
  • Up to 95% loan-to-value of completed value
  • No minimum repair amount

Mortgage Rates

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First-Time Home Buyers Program

 


Iowa Finance Authority (IFA) 

  • $2,500 in down payment or closing cost assistance
  • As little as 3% down required


Down Payment Plus (DPP)

Down payment match, up to three times buyer down payment contribution

 

Mortgage Rates

Meet your mortgage loan officers

Jeff Amman

NMLS 616461

I won’t lie, the process for purchasing a home or refinancing can be overwhelming. But that’s where I come in. I’m here to guide you through the entire process from pre-application to closing. With more than a decade of mortgage lending experience, I’ll make sure you find the perfect loan for your perfect home.

Living in the Quad Cities since 2002 makes me almost a native, right? I’m a proud graduate of St. Ambrose University. My wife Kelsey and I are always on the go chasing after our two girls. In my free time, I enjoy the outdoors, playing golf and spending time with my family.

Apply for a loan with Jeff

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'll 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

Apply for a mortgage

MORTGAGE CALCULATORS

Let us help you on your journey to home ownership. Use our calculators to help find your best options.

  • 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?
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