MORTGAGE LOANS

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The Institution Identification Number for East Idaho Credit Union with the NMLS Registry is 640508

Your Dream Mortgage

Get the Home of your Dreams with East Idaho Credit Union. With local loan officers, local processing, and local decisions we make the process fast, simple and headache free. Take advantage of our flexible loan terms and rates that you cannot afford to miss. Whatever your home loan goals are, we can make it happen.

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The Institution Identification Number for East Idaho Credit Union with the NMLS Registry is 640508

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MORTGAGE LOANS

East Idaho Credit Union knows that we live in the greatest state there is. We have teamed up with Centennial Lending because the hassle should be moving, not getting your Mortgage. We are dedicated to providing you with the right financial advice in assisting you through the process of purchasing or refinancing the home of your dreams. We offer low rate Mortgages for every type of buyer, even if you are a first time home buyer.

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The Institution Identification Number for East Idaho Credit Union with the NMLS Registry is 640508

NO FEES* MORTGAGE

We’ve got your fees covered! Once you are approved and lock in a 10-15-year fixed rate, East Idaho Credit Union will cover your:

  • Origination Fee

  • Application Fee

  • Processing Fee

  • Credit Report

  • Underwriting Fee

  • Flood Certification

  • Tax Service

  • Document Preparation Fee

  • Lender’s Title Insurance Fee

  • Closing/Escrow** 

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The Institution Identification Number for East Idaho Credit Union with the NMLS Registry is 640508

Features Benefits
Eligibility Primary residence or second home.         
Eligible Properties include Single family dwelling, manufactured home on a permanent foundation as a primary residence, and condominium as a primary residence. 
Ineligible Properties include: Duplex, triplex, fourplex, dome homes, earth homes, farmland, leasehold land, new construction, and investment properties. 
Property that has been purchased within the last six months from the application date is not eligible for a cash-out refinance. 
Properties held in the name of a Trust are ineligible for financing.  
Terms Minimum Credit Score: 630 
120–180-month amortization period 
Loan Amounts Minimum loan amount:$50,000 
Maximum loan amount:$548,250 
Fees/Additional Costs Closing/Escrow Fee- 1/2 escrow on purchase transactions.
Private mortgage insurance is required on all loans with LTV ratios greater than 80% with a full appraisal.
Credit Advances Cash-out to borrower not to exceed $250,000

    CONTACT US

    Get in touch with our Mortgage Department. Either give us a call or fill out the form and let us know what you are looking for. Even if you are in the early stages of your mortgage hunt, we would be happy to assist you with any questions that you have. Our Mortgage Department looks forward to speaking with you and getting you into the home of your dreams.

    Call Us: (208)535-2833

    View EICU’s NMLS Information

    MORTGAGE CALCULATORS

    Use our loan calculators to determine your monthly payments. It helps to determine how much interest you will be paying as well as how much you can afford. Using a loan calculator is always a great idea. If you need help, our employees will be happy to go over everything with you.

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    *Fee savings are estimated at $4,768 on a $250,000 Loan. Covered fees include: Origination fee, Application fee, Processing fee, Underwriting fee, Credit Report, Flood Certification, Tax Service, Document Preparation fee, Lender’s Title Insurance fee and **Closing/Escrow (excluding 1/2 escrow on purchase transactions). Promotion is not valid for terms greater than 15 years. All Loans subject to approval. Promotion valid from 1/1/2021 to 3/31/2021. Other restrictions may apply. A fixed rate flat fee mortgage loan is secured by residential real estate in first lien position. Purchase or refinance transactions are eligible. The occupancy type is available on a member’s primary or second home. The loan has a fixed interest rate and is amortized over a fixed period, not to exceed 180 months.