{"id":979,"date":"2022-09-12T14:43:03","date_gmt":"2022-09-12T20:43:03","guid":{"rendered":"https:\/\/www.iccu.com\/?page_id=979"},"modified":"2026-01-29T15:52:15","modified_gmt":"2026-01-29T22:52:15","slug":"first-time-homebuyer","status":"publish","type":"page","link":"https:\/\/www.iccu.com\/loans\/home-loans\/first-time-homebuyer\/","title":{"rendered":"First-Time Homebuyer Programs"},"content":{"rendered":"\n<div class=\"wp-block-group alignfull has-light-gray-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading has-green-color has-text-color\" id=\"h-unlock-the-door-to-homeownership\">Unlock the Door to Homeownership<\/h2>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<p class=\"has-lg-font-size\">Purchasing your first home is a big and exciting adventure. It\u2019s one of the largest purchases most will ever make. At the same time, a home is typically one of your best investments because home values tend to rise each year. Our First-Time Homebuyer Programs are created to help make the process easy and understandable.<\/p>\n\n\n\n<p class=\"has-lg-font-size\">We know buying a home for the first time can be a little intimidating. We\u2019re here to guide you every step of the way. Start the application process through our online Mortgage Portal or contact a knowledgeable Mortgage Loan Officer.<\/p>\n\n\n\n<div id=\"block_8d7fff46dc03305e35dc2a1106026bfc\" class=\"js-button-group is-horizontal justify-left \">\n  \n\n<button id=\"block_2e7af1db15a56dd3612f7c62ed6605d5\" class=\"js-button \" onclick=oao.open('%\/blend','MTG-MFTH')>Mortgage Portal<\/button>\n\n\n\n\n<button id=\"block_00ff6de2dedf8919ea898fa9459058ec\" class=\"js-button is-style-link\" onclick=oao.open('\/loans\/home-loans\/mortgage-loan-officers\/')>Contact Loan Officer<\/button>\n\n\n\n<\/div>\n\n\n\n\n\n\n<p class=\"has-black-color has-text-color has-link-color has-sm-font-size wp-elements-0cfd312e137cd2f18482be799201d69a\"><a onclick=\"oao.open('%\/blend','MTG-MFTH','continue')\"><u>Already started an application? Continue here.<\/u><\/a><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<h3 class=\"wp-block-heading has-green-color has-text-color has-md-font-size\" id=\"h-term-options\" style=\"font-style:normal;font-weight:400\">Term Options<\/h3>\n\n\n\n<p class=\"has-lg-font-size\"><strong>Up to 30 years<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-green-color has-text-color has-md-font-size\" id=\"h-down-payment\" style=\"font-style:normal;font-weight:400\">Down Payment<\/h3>\n\n\n\n<p class=\"has-lg-font-size\"><strong>As little as $0 depending on loan type and down payment assistance available<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-green-color has-text-color has-md-font-size\" id=\"h-eligible-properties\" style=\"font-style:normal;font-weight:400\">Eligible Properties<\/h3>\n\n\n\n<p class=\"has-lg-font-size\"><strong>Purchase, Primary&nbsp;Residence<\/strong><\/p>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group alignfull\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-arm-first-time-homebuyer-100-financed\">ARM First-Time Homebuyer 100% Financed<\/h2>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<p class=\"has-lg-font-size\">This loan is designed for lower household income first-time homebuyers with little down payment. Qualifying first-time buyers can secure 100% financing with no mortgage insurance. This first-time homebuyer ARM loan has a below-market fixed rate for a certain period. After the fixed period expires, the rate can adjust within a capped margin. This loan requires first-time homebuyer education. If you are buying a home in Idaho, you can use funds from your Idaho First-Time Homebuyer Savings account.<\/p>\n\n\n\n<p class=\"has-lg-font-size\">We know buying a home for the first time can be a little intimidating. We\u2019re here to guide you every step of the way. Start the application process through our online Mortgage Portal or contact a knowledgeable Mortgage Loan Officer.<\/p>\n\n\n\n<div id=\"block_8d7fff46dc03305e35dc2a1106026bfc\" class=\"js-button-group is-horizontal justify-left \">\n  \n\n<button id=\"block_2e7af1db15a56dd3612f7c62ed6605d5\" class=\"js-button \" onclick=oao.open('%\/blend','MTG-MFTH')>Mortgage Portal<\/button>\n\n\n\n\n<button id=\"block_00ff6de2dedf8919ea898fa9459058ec\" class=\"js-button is-style-link\" onclick=oao.open('\/loans\/home-loans\/mortgage-loan-officers\/')>Contact Loan Officer<\/button>\n\n\n\n<\/div>\n\n\n\n\n\n\n<p class=\"has-black-color has-text-color has-link-color has-sm-font-size wp-elements-0cfd312e137cd2f18482be799201d69a\"><a onclick=\"oao.open('%\/blend','MTG-MFTH','continue')\"><u>Already started an application? Continue here.<\/u><\/a><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<h3 class=\"wp-block-heading has-green-color has-text-color has-md-font-size\" id=\"h-term-options-0\" style=\"font-style:normal;font-weight:400\">Term Options<\/h3>\n\n\n\n<p class=\"has-lg-font-size\"><strong>5yr\/5yr<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-green-color has-text-color has-md-font-size\" id=\"h-down-payment-0\" style=\"font-style:normal;font-weight:400\">Down Payment<\/h3>\n\n\n\n<p class=\"has-lg-font-size\"><strong>As little as $1,000<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-green-color has-text-color has-md-font-size\" id=\"h-eligible-properties-0\" style=\"font-style:normal;font-weight:400\">Eligible Properties<\/h3>\n\n\n\n<p class=\"has-lg-font-size\"><strong>Purchase, Primary&nbsp;Residence<\/strong><\/p>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-light-gray-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading has-green-color has-text-color\" id=\"h-40-year-first-time-homebuyer-mortgage\"><strong>40-Year First-Time Homebuyer Mortgage<\/strong><\/h2>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<p class=\"has-lg-font-size\">Owning your first home is a thrilling milestone and a smart financial move. Our 40-Year Mortgage Option is tailored for low to middle-income families, offering lower monthly payments to make homeownership more attainable.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-key-benefits\">Key Benefits<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>100% Financing:<\/strong> No large down payment needed.<\/li>\n\n\n\n<li><strong>Low Minimum Contribution: <\/strong>Only $1,000 borrower required contribution.<\/li>\n\n\n\n<li><strong>Gift Funds Allowed: <\/strong>Use gift funds after the minimum contribution.<\/li>\n\n\n\n<li><strong>Extended Term:<\/strong> Lower monthly payments with a 40-year term.<\/li>\n\n\n\n<li><strong>Homebuyer Education:<\/strong> Learn the homebuying process and mortgage management.<\/li>\n\n\n\n<li><strong>Local Servicing: <\/strong>Personalized support from ICCU.<\/li>\n<\/ul>\n\n\n\n<p>We&#8217;re here to guide you every step of the way. Start your application through our online Mortgage Portal or contact a Mortgage Loan Officer today. Ready to own your dream home? Contact us to learn more!<\/p>\n\n\n\n<div id=\"block_8d7fff46dc03305e35dc2a1106026bfc\" class=\"js-button-group is-horizontal justify-left \">\n  \n\n<button id=\"block_2e7af1db15a56dd3612f7c62ed6605d5\" class=\"js-button \" onclick=oao.open('%\/blend','MTG-MFTH')>Mortgage Portal<\/button>\n\n\n\n\n<button id=\"block_00ff6de2dedf8919ea898fa9459058ec\" class=\"js-button is-style-link\" onclick=oao.open('\/loans\/home-loans\/mortgage-loan-officers\/')>Contact Loan Officer<\/button>\n\n\n\n<\/div>\n\n\n\n\n\n\n<p class=\"has-black-color has-text-color has-link-color has-sm-font-size wp-elements-0cfd312e137cd2f18482be799201d69a\"><a onclick=\"oao.open('%\/blend','MTG-MFTH','continue')\"><u>Already started an application? Continue here.<\/u><\/a><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<h3 class=\"wp-block-heading has-green-color has-text-color has-md-font-size\" id=\"h-term-options-1\" style=\"font-style:normal;font-weight:400\">Term Options<\/h3>\n\n\n\n<p class=\"has-lg-font-size\"><strong>Up to 40 years<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-green-color has-text-color has-md-font-size\" id=\"h-down-payment-1\" style=\"font-style:normal;font-weight:400\">Down Payment<\/h3>\n\n\n\n<p class=\"has-lg-font-size\"><strong>As little as $1000<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-green-color has-text-color has-md-font-size\" id=\"h-eligible-properties-1\" style=\"font-style:normal;font-weight:400\">Eligible Properties<\/h3>\n\n\n\n<p class=\"has-lg-font-size\"><strong><strong>Purchase, Single Family, Primary&nbsp;Residence<\/strong><\/strong><\/p>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-transparent-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-purchase-or-refinance-your-home-with-confidence\">Purchase or Refinance Your Home With Confidence<\/h2>\n\n\n\n<p class=\"has-lg-font-size\">We want to help you through the loan process and get you resting comfortably in your home as soon as possible. Our highly trained, friendly staff understands the housing market where you want to live. After all, we live here too. We\u2019re available to help during extended hours and on Saturdays.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-fast-local-decisions\">Fast, Local Decisions<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Local underwriting<\/li>\n\n\n\n<li>Fast approvals<\/li>\n\n\n\n<li>Fast closing, usually within 30 days<\/li>\n\n\n\n<li>Local servicing on most loans<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-save-money\">Save Money<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Low, affordable interest rates<\/li>\n\n\n\n<li>No initial loan application fees<\/li>\n\n\n\n<li>Low mortgage insurance premiums<\/li>\n\n\n\n<li>No origination fee loan options<\/li>\n\n\n\n<li>Extended rate lock options available from 90 to 360 days<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"486\" height=\"371\" src=\"https:\/\/www.iccu.com\/wp-content\/uploads\/2022\/11\/First-Time-Homebuyer_LoanBenefits.webp\" alt=\"Dad and toddler son looking at smart phone\" class=\"wp-image-1770\" style=\"width:410px;height:313px\"\/><\/figure>\n\n\n\n<div id=\"block_586e387c9962f31ce42879363c76e421\" class=\"js-button-group is-horizontal justify-center \">\n  \n\n<button id=\"block_34a98ebc539a36c895f49e48c4b3e18c\" class=\"js-button \" onclick=oao.open('%\/blend','MTG-MFTH')>Apply Now<\/button>\n\n\n\n\n<button id=\"block_00ff6de2dedf8919ea898fa9459058ec\" class=\"js-button is-style-link\" onclick=oao.open('\/loans\/home-loans\/mortgage-loan-officers\/')>Contact Loan Officer<\/button>\n\n\n\n<\/div>\n\n\n\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-light-green-background-color has-background\" id=\"rates\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading has-text-align-left has-black-color has-text-color\" id=\"h-personalized-rate-quote\">Personalized Rate Quote<\/h2>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-lg-font-size\">Tailored to your unique circumstances, our personalized mortgage rate quote tool asks you a few questions about your current financial situation. Based on your answers you will be given a list of rates that fit your needs. Get your personalized mortgage rate today.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/quickquote-consumer.optimalblue.com\/?mobile=true&amp;clientId=3833383237&amp;userId=363937373638&amp;formId=33333431&amp;embedded=false\" target=\"_blank\" rel=\"noreferrer noopener\"> Get My Personalized Rate Quote<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-transparent-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading has-green-color has-text-color has-link-color wp-elements-0dd316129af32b858dd8691491ed5375\">Mortgage Calculator<\/h2>\n\n\n\n<p class=\"has-text-align-left\">How much will your monthly mortgage payment be? Use this calculator to figure out your monthly payment, including your mortgage\u2019s principal and interest payments as well as insurance and taxes.<\/p>\n\n\n\n<div class='chimney_calc' data-guid='88a34a2b-0e33-4223-a196-2b1924117d96'><\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Unlock the Door to Homeownership Purchasing your first home is a big and exciting adventure. It\u2019s one of the largest [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":1769,"parent":665,"menu_order":30,"comment_status":"closed","ping_status":"closed","template":"product-detail-page.php","meta":{"_acf_changed":false,"_searchwp_excluded":"","footnotes":""},"class_list":["post-979","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.8 (Yoast SEO v26.9) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>First-Time Homebuyer Programs - ICCU<\/title>\n<meta name=\"description\" content=\"With as little as $0 down, depending on your loan type, and payment assistance available our First-Time Homebuyer Programs are created to help make the process of buying a home easy and understandable.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.iccu.com\/loans\/home-loans\/first-time-homebuyer\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"First-Time Homebuyer Programs\" \/>\n<meta property=\"og:description\" content=\"With as little as $0 down, depending on your loan type, and payment assistance available our First-Time Homebuyer Programs are created to help make the process of buying a home easy and understandable.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.iccu.com\/loans\/home-loans\/first-time-homebuyer\/\" \/>\n<meta property=\"og:site_name\" content=\"ICCU\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/IdahoCentralCreditUnion\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-29T22:52:15+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.iccu.com\/wp-content\/uploads\/2022\/11\/First-Time-Homebuyer_Hero.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"390\" \/>\n\t<meta property=\"og:image:height\" content=\"293\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@Idaho_Central\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.iccu.com\/loans\/home-loans\/first-time-homebuyer\/\",\"url\":\"https:\/\/www.iccu.com\/loans\/home-loans\/first-time-homebuyer\/\",\"name\":\"First-Time Homebuyer Programs - ICCU\",\"isPartOf\":{\"@id\":\"https:\/\/www.iccu.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.iccu.com\/loans\/home-loans\/first-time-homebuyer\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.iccu.com\/loans\/home-loans\/first-time-homebuyer\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.iccu.com\/wp-content\/uploads\/2022\/11\/First-Time-Homebuyer_Hero.webp\",\"datePublished\":\"2022-09-12T20:43:03+00:00\",\"dateModified\":\"2026-01-29T22:52:15+00:00\",\"description\":\"With as little as $0 down, depending on your loan type, and payment assistance available our First-Time Homebuyer Programs are created to help make the process of buying a home easy and understandable.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.iccu.com\/loans\/home-loans\/first-time-homebuyer\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.iccu.com\/loans\/home-loans\/first-time-homebuyer\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.iccu.com\/loans\/home-loans\/first-time-homebuyer\/#primaryimage\",\"url\":\"https:\/\/www.iccu.com\/wp-content\/uploads\/2022\/11\/First-Time-Homebuyer_Hero.webp\",\"contentUrl\":\"https:\/\/www.iccu.com\/wp-content\/uploads\/2022\/11\/First-Time-Homebuyer_Hero.webp\",\"width\":390,\"height\":293,\"caption\":\"Couple holding a house key\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.iccu.com\/loans\/home-loans\/first-time-homebuyer\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.iccu.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Loans\",\"item\":\"https:\/\/www.iccu.com\/loans\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Mortgages &#038; Home Loans\",\"item\":\"https:\/\/www.iccu.com\/loans\/home-loans\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"First-Time Homebuyer Programs\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.iccu.com\/#website\",\"url\":\"https:\/\/www.iccu.com\/\",\"name\":\"ICCU\",\"description\":\"Looking after your daily balance.\",\"publisher\":{\"@id\":\"https:\/\/www.iccu.com\/#organization\"},\"alternateName\":\"ICCU\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.iccu.com\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.iccu.com\/#organization\",\"name\":\"ICCU\",\"url\":\"https:\/\/www.iccu.com\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.iccu.com\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.iccu.com\/wp-content\/uploads\/2025\/03\/ICCU-logo-2color_696x696.png\",\"contentUrl\":\"https:\/\/www.iccu.com\/wp-content\/uploads\/2025\/03\/ICCU-logo-2color_696x696.png\",\"width\":696,\"height\":696,\"caption\":\"ICCU\"},\"image\":{\"@id\":\"https:\/\/www.iccu.com\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/IdahoCentralCreditUnion\",\"https:\/\/x.com\/Idaho_Central\",\"https:\/\/www.youtube.com\/idahocentralcu\",\"https:\/\/www.linkedin.com\/company\/idahocentralcreditunion\/\",\"https:\/\/www.instagram.com\/idahocentralcu\/\"],\"description\":\"ICCU is a state-chartered credit union in the western United States, headquartered in Chubbuck, Idaho. Whether you\u2019re banking in the branch or banking on the go, ICCU is looking after your daily balance. Get great rates on auto and home loans. Check out our Visa Rewards Cards. Discover more perks with Central Plus Checking. Bank your way with drive-thru, ATM, live video chat, mobile banking. Open Saturdays. We also offer investment, insurance, and business solutions. As a member of ICCU, you\u2019ll have a financial leader that\u2019s helping you achieve financial success. Routing Number: 324173626. NMLS ID: 433926.\",\"email\":\"memberservice@iccu.com\",\"telephone\":\"(800) 456-5067\",\"foundingDate\":\"1940-06-28\",\"taxID\":\"82-0217065\",\"duns\":\"108135278\",\"numberOfEmployees\":{\"@type\":\"QuantitativeValue\",\"minValue\":\"1001\",\"maxValue\":\"5000\"}}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"First-Time Homebuyer Programs - ICCU","description":"With as little as $0 down, depending on your loan type, and payment assistance available our First-Time Homebuyer Programs are created to help make the process of buying a home easy and understandable.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.iccu.com\/loans\/home-loans\/first-time-homebuyer\/","og_locale":"en_US","og_type":"article","og_title":"First-Time Homebuyer Programs","og_description":"With as little as $0 down, depending on your loan type, and payment assistance available our First-Time Homebuyer Programs are created to help make the process of buying a home easy and understandable.","og_url":"https:\/\/www.iccu.com\/loans\/home-loans\/first-time-homebuyer\/","og_site_name":"ICCU","article_publisher":"https:\/\/www.facebook.com\/IdahoCentralCreditUnion","article_modified_time":"2026-01-29T22:52:15+00:00","og_image":[{"width":390,"height":293,"url":"https:\/\/www.iccu.com\/wp-content\/uploads\/2022\/11\/First-Time-Homebuyer_Hero.webp","type":"image\/webp"}],"twitter_card":"summary_large_image","twitter_site":"@Idaho_Central","twitter_misc":{"Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.iccu.com\/loans\/home-loans\/first-time-homebuyer\/","url":"https:\/\/www.iccu.com\/loans\/home-loans\/first-time-homebuyer\/","name":"First-Time Homebuyer Programs - ICCU","isPartOf":{"@id":"https:\/\/www.iccu.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.iccu.com\/loans\/home-loans\/first-time-homebuyer\/#primaryimage"},"image":{"@id":"https:\/\/www.iccu.com\/loans\/home-loans\/first-time-homebuyer\/#primaryimage"},"thumbnailUrl":"https:\/\/www.iccu.com\/wp-content\/uploads\/2022\/11\/First-Time-Homebuyer_Hero.webp","datePublished":"2022-09-12T20:43:03+00:00","dateModified":"2026-01-29T22:52:15+00:00","description":"With as little as $0 down, depending on your loan type, and payment assistance available our First-Time Homebuyer Programs are created to help make the process of buying a home easy and understandable.","breadcrumb":{"@id":"https:\/\/www.iccu.com\/loans\/home-loans\/first-time-homebuyer\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.iccu.com\/loans\/home-loans\/first-time-homebuyer\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.iccu.com\/loans\/home-loans\/first-time-homebuyer\/#primaryimage","url":"https:\/\/www.iccu.com\/wp-content\/uploads\/2022\/11\/First-Time-Homebuyer_Hero.webp","contentUrl":"https:\/\/www.iccu.com\/wp-content\/uploads\/2022\/11\/First-Time-Homebuyer_Hero.webp","width":390,"height":293,"caption":"Couple holding a house key"},{"@type":"BreadcrumbList","@id":"https:\/\/www.iccu.com\/loans\/home-loans\/first-time-homebuyer\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.iccu.com\/"},{"@type":"ListItem","position":2,"name":"Loans","item":"https:\/\/www.iccu.com\/loans\/"},{"@type":"ListItem","position":3,"name":"Mortgages &#038; Home Loans","item":"https:\/\/www.iccu.com\/loans\/home-loans\/"},{"@type":"ListItem","position":4,"name":"First-Time Homebuyer Programs"}]},{"@type":"WebSite","@id":"https:\/\/www.iccu.com\/#website","url":"https:\/\/www.iccu.com\/","name":"ICCU","description":"Looking after your daily balance.","publisher":{"@id":"https:\/\/www.iccu.com\/#organization"},"alternateName":"ICCU","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.iccu.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.iccu.com\/#organization","name":"ICCU","url":"https:\/\/www.iccu.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.iccu.com\/#\/schema\/logo\/image\/","url":"https:\/\/www.iccu.com\/wp-content\/uploads\/2025\/03\/ICCU-logo-2color_696x696.png","contentUrl":"https:\/\/www.iccu.com\/wp-content\/uploads\/2025\/03\/ICCU-logo-2color_696x696.png","width":696,"height":696,"caption":"ICCU"},"image":{"@id":"https:\/\/www.iccu.com\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/IdahoCentralCreditUnion","https:\/\/x.com\/Idaho_Central","https:\/\/www.youtube.com\/idahocentralcu","https:\/\/www.linkedin.com\/company\/idahocentralcreditunion\/","https:\/\/www.instagram.com\/idahocentralcu\/"],"description":"ICCU is a state-chartered credit union in the western United States, headquartered in Chubbuck, Idaho. Whether you\u2019re banking in the branch or banking on the go, ICCU is looking after your daily balance. Get great rates on auto and home loans. Check out our Visa Rewards Cards. Discover more perks with Central Plus Checking. Bank your way with drive-thru, ATM, live video chat, mobile banking. Open Saturdays. We also offer investment, insurance, and business solutions. As a member of ICCU, you\u2019ll have a financial leader that\u2019s helping you achieve financial success. Routing Number: 324173626. NMLS ID: 433926.","email":"memberservice@iccu.com","telephone":"(800) 456-5067","foundingDate":"1940-06-28","taxID":"82-0217065","duns":"108135278","numberOfEmployees":{"@type":"QuantitativeValue","minValue":"1001","maxValue":"5000"}}]}},"_links":{"self":[{"href":"https:\/\/www.iccu.com\/wp-json\/wp\/v2\/pages\/979","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.iccu.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.iccu.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.iccu.com\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.iccu.com\/wp-json\/wp\/v2\/comments?post=979"}],"version-history":[{"count":64,"href":"https:\/\/www.iccu.com\/wp-json\/wp\/v2\/pages\/979\/revisions"}],"predecessor-version":[{"id":33552,"href":"https:\/\/www.iccu.com\/wp-json\/wp\/v2\/pages\/979\/revisions\/33552"}],"up":[{"embeddable":true,"href":"https:\/\/www.iccu.com\/wp-json\/wp\/v2\/pages\/665"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.iccu.com\/wp-json\/wp\/v2\/media\/1769"}],"wp:attachment":[{"href":"https:\/\/www.iccu.com\/wp-json\/wp\/v2\/media?parent=979"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}