Ideal Home Loans & Refinance

Find the right solution for you

Whether looking to purchase or refinance, Ideal Credit Union is here to help you from start to finish. Find the right solution for you. Need some help? Call us at 651-747-4663 or make an appointment to meet with an Ideal Mortgage Loan Officer.

Apply Now & Meet the Team

To begin your application, please select the branch that is most convenient for you below.

Doug Dotseth

Doug has over a decade of mortgage lending experience and helps members find the right home financing solutions. He strives to make the process smooth and stress-free. In his free time, he enjoys golfing, fishing and cheering on Minnesota sports teams.

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• Phone: 651-773-2824
• NMLS#: 1857285

North St. Paul Hugo Stillwater

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Cynthia Stewart

Cynthia has been with Ideal CU since 1991, working in the cash services, member service, and mortgage areas. With years of experience, Cynthia is dedicated to understanding members' unique needs and ensuring they have the best financial solutions.

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• Phone: 651-773-2843
• NMLS#: 446884

Woodbury Eagan Inver Grove Heights

Start Up First-Time Homebuyers Program

Ready to buy your first home or get back into homeownership after a few years? Ideal Credit Union’s Start Up First-Time Homebuyers Program is here to help you make it happen. If you've never owned a home, or if it’s been more than three years since you last owned one, you might qualify as a first-time homebuyer.

Start your journey today—apply now and take the first step toward owning your dream home! Learn More

Conventional Mortgage Loan

A conventional fixed-rate mortgage offers stability with consistent payments over the life of the loan. As the most popular home loan option, it’s ideal for buyers looking for predictable monthly payments. Apply Now

• Competitive fixed rate
• Up to 30-year terms*
• Available for purchase or refinance
• As low as 3% down payment options

Adjustable-Rate Mortgage (ARM) Loan^**

An ARM loan provides initial savings with lower rates and built-in protections to limit future rate changes, making it a smart option for flexible buyers. Apply Now

• 10/5, 10/1, 7/1 and 5/1 terms available
• Lower monthly payment
• Select the term that's best for you

FHA Mortgage Loan

An FHA mortgage loan provides flexible credit requirements and lower down payments, making it ideal for borrowers with limited funds looking to buy a home. Apply Now

• Fixed and adjustable-rate options
• Available for purchase or refinance
• As low as 3.5% down payment options

Jumbo Mortgage Loan

For buyers considering higher-priced properties, a jumbo mortgage loan covers amounts beyond the $806,500 conforming limit, offering the flexibility to buy your dream home. Apply Now

• Competitive fixed-rate options
• Available for purchase or refinance
• As low as 5% down payment options

VA Mortgage Loan

VA guaranteed mortgage loans offer eligible military veterans, active-duty service members and their surviving spouses a path to homeownership with added benefits and flexibility. Apply Now

• 0% Down Payment
• No Private Mortgage Insurance (PMI) required
• Competitive fixed-rate options

Out of State Lending

Our partnership with Servion allows us to offer home loans in 42 states, with financing up to $806,500. Available on primary residences, second homes or investment properties, these loans can be used to purchase or refinance an out of state home. Apply Now

Meet the Ideal Mortgage Team