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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. We have several products to choose from, whether for purchase or refinance. From conforming to jumbo, fixed or adjustable rates, we’ll help you find the best solution for your needs.

Our mortgage experts are available to help you find the right home loan for your needs and your budget and to help you at each step. Check out our home loan options.

We can also help you tap into your home’s equity by either taking out a home equity line of credit or by completing a cash-out refinance of your current mortgage.

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The HomeAdvantage® Rewards Program

Make sure you're getting a fair price, find a trusted agent, and earn cash rewards with HomeAdvantage®.

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* The Annual Percentage Rates (APRs) for the 30 Year Fixed, 15 Year Fixed, and 7/1, 10/1 Adjustable Rate loans are calculated based on a purchase/refinance of single family, owner occupied residence with a down payment or existing equity of 40%, a loan amount less than $484,350.00 and a property located in Clark Co, WA.

The APR includes the approximate cost of prepaid finance charges, including 15 days of prepaid interest, a $845.00 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 720 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.

Refinancing Your Home Loan Can Give You Options

Tap into your home’s equity with a refinance or home equity line of credit. You can use your equity to fund things such as a home improvement project, consolidate higher interest credit card debt, or for your dream vacation.

Cash-out refinance: Refinance your mortgage for more than you owe and take the difference in cash.

Reduce your interest rate: Refinance your mortgage to a lower interest rate, reducing your monthly payment and saving thousands over the life of your loan.

Second mortgage: Need cash for a new kitchen or college tuition? This fixed rate payment option makes it easy.

Want to talk through what option is best for you? Give our mortgage experts a call at 360-418-4422.

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 an 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.

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.

Calculators

How much can you afford? As you are working through the mortgage process, these online calculators can be extremely helpful tools.

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Mortgage Checklist

Found the right house and the right mortgage? Skip the paperwork and use this detailed checklist instead! The more information you have ready, the faster things will go.

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A Guide for First-Time Homebuyers in the PNW

Getting ready to purchase your first home in the Pacific Northwest? You’ve come to the right place. Understanding the step-by-step process of buying a house will help you know what to expect, from start to finish.

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Housing Market Trends to Look Out for in 2019

The housing market continues to fluctuate based on any number of factors, such as the amount of homes on the market and changes in mortgage rates.

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How to Grow Your Savings Before House Hunting

Before you can buy a home, you have to determine how much you can afford and how much you need to save, which means starting with a household budget.

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6 Homeowner Expenses to Keep in Mind

When you start planning to buy a home, think through your homeowner expenses. The added costs of homeownership will have an impact on your monthly budget.

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Getting ready to purchase a home?

Download the guide for first-time homeowners in the Pacific Northwest by filling out the form, and get on your way to unlocking the door of your first home!

Download Guide

See what our members have to say

"iQ Credit Union took the time to talk to me and the mortgage lender I talked to said 'Tell me your story. Tell me about you. Tell me about your goals'."

Shannon

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"My loan officer has been the height of service, patience, and kindness. She is knowledgeable and the kindest financial services representative that I’ve ever dealt with. Thank you for your service and care for our home purchase. We are home thanks to iQ!"

Kristen E. - member since 2013

"I was very happy with my home loan team. I got daily updates, they were patient, and did not pressureus; all while finding creative ways to prepare the best solutions and save us the most money."

Jennifer M. - member since 2016

"We’ve had multiple loans with iQ and each time we have had excellent results. I highly recommend iQ for all your financial needs!"

Mildred G. - member since 1999

"I was very impressed with the speed of which my loan was processed and how competitive the rates were. As a bonus I received friendly and courteous treatment. Well done!"

Dan D. - member since 1977

"My experience getting a home loan with iQ was excellent. We were well informed throughout the entire process and it could not have been smoother. I cannot say enough good things about the entire mortgage team."

Henry P. - member since 2019

"The entire mortgage process went smoothly and quickly. Everyone involved was very friendly and knowledgeable."

Tracy K. - member since 2015

"Our experience with iQ was the exact opposite of past poor experiences. Our questions were answered right away and we never doubted for a second things were going as fast as possible with our best interests in mind. I would recommend the iQ team to anyone I know!"

William B. - member since 1992

Meet Our Home Loans Team

Contact the Team

Michael Booth

Mortgage Loan Officer

Jamie Dotson

Mortgage Loan Officer

Melanie Josephson

Mortgage Loan Officer

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