Home Loans

Personal Mortgage

Enjoy a seamless personal banking experience at IBC Bank. Offering you various financial products and services tailored to your financial needs.

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Purchase Loan

Find the perfect mortgage loan to purchase your dream home. Learn more about our competitive interest rates, flexible terms, and exceptional service.

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Refinance Loan

Lower your monthly payments or shorten the term of your loan with our home loan refinance options. Explore your possibilities.

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Foreign National Loan

Our home loan program is designed to help citizens of other countries purchase properties in the United States.

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Home Equity Loans and lines of credit

Unlock the equity in your home with a home equity loan or line of credit. Use it for home improvements, emergency cash, education, or other significant expenses.

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Lot Loan Program

Explore our home loan program created to purchase a lot of raw land up to 10 acres.

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Mortgage Loan Originators

Meet our team of experienced mortgage loan originators, who are ready to guide you through the loan process.

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IBC – NMLS Registry

Learn more about IBC's registration with the Nationwide Mortgage Licensing System (NMLS).

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Loan Servicing

Discover how IBC handles loan servicing and ensures a smooth experience throughout the life of your mortgage.

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Find the Right Mortgage Loan for Your Needs

Our experienced mortgage lenders are ready to assist you in choosing the best mortgage loan for your specific needs.

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Calculate Your Mortgage Payments Easily

Make informed financial decisions with our loan calculators, providing you with essential information about payments, affordability, refinancing, and more.

Use one of our Mortgage payment calculators
Use one of our Home Equity calculators
Rent vs Buy Calculator

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Get the Best Value of Your Home

Access the equity in your home with a home equity loan from IBC. Discover the benefits and possibilities of leveraging your property's value.

Flexible Financing Options
Competitive Interest Rates
Use Your Home's Equity Wisely

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Did you know? 71% of homeowners plan to tap into their home equity this year!

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Have more questions?

Mortgage FAQs

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How is mortgage loan interest calculated?

Mortgage loan interest is calculated based on the principal amount, the interest rate, and the loan term. It can calculate using simple or compound interest formulas. Learn more about mortgage loan interest calculation.

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Who benefits from a reverse mortgage?

Reverse mortgages are designed for homeowners aged 62 and older who want to access their home equity. They provide a source of income or funds for seniors to supplement retirement or cover expenses. Reach our loan officers for more information.

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What is a home equity line of credit (HELOC)?

A home equity line of credit (HELOC) is a revolving line of credit secured by the equity in your home. It allows you to borrow funds as needed, like a credit card, using your home as collateral. Learn more about HELOCs.

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Is a HELOC the same as a home equity loan?

While both use the equity in your home, a HELOC is a line of credit you can draw from as needed, whereas a home equity loan provides a lump sum upfront. Explore the differences between HELOCs and home equity loans.

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What is the interest rate on a home equity loan?

The interest rate on a home equity loan can vary depending on factors such as creditworthiness, loan amount, and market conditions. It's typically fixed, but various factors can influence rates. Contact us to learn more about current interest rates.

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