Home Loans

Homebuying Made Simple

Start your homeownership journey with us.

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Loan Types

Home Loan Options for Everyone

Whether it’s your first home, your next home, or a vacation home, iQ has the home mortgage that’s right for you.

  • Construction Loans & Lot Loans

    Construction Loans

    iQ's Construction Team lives and works in your unique community. We understand the needs of your local market and can provide you with our exceptional construction experience.

    • Fixed and ARM programs available.
    • Locked interest rate from construction phase through permanent financing. Ask your loan officer about our free float down at completion!
    • Up to 90% LTV
    • Owner-Occupied Single-Family Duplex's permitted.
    • Single Family Manufactured new home placement permitted.

    Lot Loans

    Not ready to start building but don’t want to miss out on the perfect lot for your dream home? Ask about our Lot Loan program to start your dream home today.
    • Improved and Unimproved lots permitted.
    • 1 & 3-year terms available, including an interest-only payment option!

    Apply for our plaidtastic construction loans today!

     

    Apply Now

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Loan Rates

Ask us about Jumbo, Super Jumbo, and Non-Warrantable Condo Programs.

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.

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.

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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Check Your Loan Status with Our Online Portal

Awaiting the status of your mortgage application can be exciting--especially when you can track your progress online. Our online home loan portal tells you the status of your application and lets you upload and sign documents to speed up the processing of your loan.

Login to your personal portal today.

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Team

Meet Our Home Loans Team

 
Contact the Team
Michael Booth

Michael Booth

Mortgage Loan Officer

Branch Serviced: Fisher's Landing

Michael Booth's Profile

Melanie Josephson

Melanie Josephson

Mortgage Loan Officer

Branch Serviced: Van Mall

Melanie Josephson's Profile

Calculators

Find Out How a Home Equity Line of Credit Can Help you Reach your Goals

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.

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