Home Loans

Homebuying Made Simple

Start your homeownership journey with us.

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Loan Types

Home Loan Options for Everyone

Choose from a full range of home loan options for primary homes, rental properties, and vacation homes.

 

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Choose one of the options below to get started. Applications processed in partnership with Consolidated Community Credit Union.

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Loan Rates

Mortgage rates are provided through our lending partner, Consolidated Community Credit Union (CCCU)

Michael Booth

Mortgage Loan Officer

 

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More to Offer

Other Ways We Meet Your Needs

Keep Your Home Protected with insureQ

You want to protect your home investments, and let’s face it, stuff happens. Whether it’s a fallen tree, a broken pipe, or accidental fire, we have you covered through insureQ. We can protect your home with a variety of insurance plans:

  • Homeowners Insurance
  • Renters Insurance
  • Rental property Insurance
  • Earthquake Insurance
  • Home Office Insurance
  • Flood Insurance

If you want more insight into home loans and the home-buying process,connect with an insurance representative for a free quote.

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Expanded mortgage options through a local partnership

iQ Credit Union partners with Consolidated Community Credit Union (CCCU) to provide home loans. You’ll start with iQ, and our partner CCCU will handle the application, processing, and closing of your loan—all locally.

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Mortgage Calculators

Know your numbers before you commit.

Whether you're estimating a monthly payment, figuring out how much house you can afford, or comparing loan scenarios side by side, these calculators help you get clarity before you ever fill out an application. Enter your own numbers and see real results instantly.

Calculate a Mortgage Payment

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Mortgage Payment Information
Loan Amount
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Principal & Interest
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Property Taxes
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Insurance
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HOA Fees
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Total Payment
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Loan Payoff Schedule

Repayment of a mortgage loan requires that the borrower make a monthly payment back to the lender. That monthly payment includes both repayment of the loan principal, plus monthly interest on the outstanding balance. Loan payments are amortized so that your monthly payment stays the same throughout the repayment period, but more of each payment goes toward principal as the outstanding balance decreases. Mortgage payments can also include pre-payments of property taxes, homeowner's insurance, and HOA dues into an escrow account managed by your lender.

Yearly Summary Table
Year Interest Paid Principal Paid Ending Balance
Amortization Schedule
Payment # Payment Interest Principal Balance

FAQ's

We partner with Consolidated Community Credit Union (CCCU), a local credit union that specializes in mortgages. Their secure system is used to process your application.

Yes. You’ll start with iQ, and we’ll guide you through the process alongside CCCU’s mortgage team.

Your loan will be provided and serviced by CCCU, allowing us to offer more options and expertise.

Disclosures

  • The APR includes the approximate cost of prepaid finance charges, including 15 days of prepaid interest, an $899.00 processing fee, and any applicable points associated with the interest rate. Actual APRs for individual loans may different.

    Home Loans: * The Annual Percentage Rates (APRs) for the 30 Year Fixed and 15 Year Fixed are calculated based on a purchase/refinance of single-family, owner-occupied residence with a down payment or existing equity of 20%, a loan amount less than $726,200.00, and a property located in Clark Co, WA.

    Adjustable-Rate Mortgage (ARM): interest rates and payments are subject to change during the loan term. That change can increase or decrease your monthly payment. These mortgage rates are based upon a variety of assumptions and conditions, some of which may include a credit score of 740 or higher. Your loan’s interest rate will depend on specific characteristics of your transaction and your credit profile up to the time of closing.

  • Jumbo Loans: * The Annual Percentage Rates (APRs) for the 30 Year Fixed and 15 Year Fixed are calculated based on a purchase/refinance of single-family, owner-occupied residence with a down payment or existing equity of 20%, a loan amount more than $726,200.00, and a property located in Clark Co, WA.

    The APR includes the approximate cost of prepaid finance charges, including 15 days of prepaid interest, an $899.00 processing fee, and any applicable points associated with the interest rate. Actual APRs for individual loans may differ.

    Adjustable-Rate Mortgage (ARM) interest rates and payments are subject to change during the loan term. That change can increase or decrease your monthly payment. These mortgage rates are based upon a variety of assumptions and conditions, some of which may include a credit score of 740 or higher. Your loan’s interest rate will depend on specific characteristics of your transaction and your credit profile up to the time of closing.