Mortgages & Home Loans at IDB Global Federal Credit Union
IDB Global Federal Credit Union (IDB Global FCU) offers a diverse range of mortgage solutions tailored for both domestic and international members. Whether you're purchasing your first home, refinancing to lower your monthly payment, tapping into your home equity, or investing in a U.S. property while working abroad— even if you don’t have a U.S. Social Security Number—our mission is to make homeownership attainable.
We provide competitive rates, low fees, member-focused service, and expert guidance to ensure a seamless, supportive, and transparent process. Our flexible underwriting approach is designed to accommodate members with both U.S. credit history and those without traditional credit, reflecting the global nature of our membership. We are committed to simplifying the mortgage process for our IDB community every step of the way.
Why Choose IDB Global FCU for Your Mortgage?
Great Rates & Low Fees: Our not-for-profit structure allows us to pass on savings directly to members. Our rates are consistently competitive, and our fees are often significantly lower than those at traditional banks.
Personalized Service: Our experienced lending team provides one-on-one guidance and quick answers. We pride ourselves on a personal touch rather than a one-size-fits-all approach.
Flexible Eligibility for International Members: We support members with or without U.S. credit history. Whether you’re on assignment overseas, live and work in a country office in the region, hold a G4 visa, or use an ITIN, we work with your unique situation.
Tailored Solutions: Our team understands international employment and compensation structures, including housing allowances and tax exemptions, and can count these toward qualifications.
Fast Processing & Direct Access: We pride ourselves on responsive service, with approvals often issued within days and closings in 30 days or less. You’ll work directly with a dedicated mortgage expert.
Wide Array of Products: Our mortgage products cover virtually every scenario, from primary residence mortgages to investment property financing.
Servicing: Our loans are portfolio loans serviced by Midwest Loans Services, our servicing partner. This ensures continuity in service and assistance. If you need help after closing, you can contact us or Midwest Loan Services.