Home Loans

Mortgages

Big options, low rates! 
With flexible financing and great loan rates, you can make a house a home with a Mortgage from IRFCU.

Borrow up to the full value of your home.
Low to no down payments!
Conventional, FHA, and VA Loans! 
Secondary homes and rental properties.
Mortgages available for NY and PA.

Home Equity Loans

Taking out a home equity loan is a great option for paying for large expenses like home renovations, debt consolidation, medical bills, or subsidizing college tuition.
Borrow up to the full value of your home! 

Quick and easy application process.
Fixed payments.
No pay-ahead penalties.

Apply for a Mortgage Apply for a Home Equity

For A Quicker Home Loan Process

Having all your documents ready before applying for a loan with IRFCU helps make the process smoother and more efficient. It allows our team to begin reviewing your application right away and reduces the need for follow-ups or delays. Being prepared helps us serve you faster and keeps things moving toward your financial goals.

What to bring when applying for a Home Equity Loan

Identification:

  • Valid government-issued photo ID (Driver’s License, State ID, or Passport) 
  • Social Security Number or Card 

Proof of Income

  • Last 2–4 consecutive pay stubs 
  • If self-employed: Most recent 2 years of tax returns with all schedules 
  • Other income sources (Social Security, pension, etc.): Benefit award letters 

Property Documentation

  • Most recent property tax bill 
  • Current homeowners insurance policy declaration page 
  • Recent mortgage statement (if applicable) 

Additional Requirements:

  • Copy of property deed (if readily available) 
  • Estimate of home value (we may also order an appraisal) 
  • List of all outstanding liens on the property 

If You’re Applying With a Co-Applicant:

Each co-applicant must bring: 

  • Their own valid ID and SSN 
  • Proof of income (same requirements) 
  • Any applicable documentation based on loan type 
Home Equity Rates - Effective Sunday, July 6, 2025
Loan TypeRates as low asTerms & Information
HOME EQUITY SPECIAL 1ST LIEN » 5.74% 60 M Apply Now!
HOME EQUITY SPECIAL 2ND LIEN 6.24% 0 M

Loan Calculator

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Results

Instructions

  • Type in the purchase price, number of payments (months), and annual percentage rate into the corresponding form fields.
  • Click on the button marked Calculate.
  • Your results will appear in the Results box.

Note: This calculator is provided only to give an estimate of your loan. Your monthly payment and total amount paid may vary. Talk to your loan representative for additional details.

Home Equity Discount

1% Discount available for Home Equity Loans that use the Assessed Value, PLUS no appraisal needed!

First Time Homebuyer’s Guide

*Rates based on credit. 1% discount available for qualifying loans. Discount may be discontinued at any time.


Important Notice: Regulation CC Funds Availability Change Effective July 1, 2025More Information