Mortgage Loans

We are a full-service mortgage provider and offer a variety of loans that will fit any of your purchase, refinance, or home improvement needs.

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First Mortgage

Incenta offers both 15- and 30-year fixed rate mortgage loans. We will refinance up to 80 percent of the purchase or appraisal price (whichever is lower). We make the process quick and easy by allowing members to get prequalified or apply directly online. For current rate information please see our Rates page.

To help those members who are looking for additional financing, we also offer mortgage services through myCUmortgage, a credit union service organization that provides mortgage solutions. This product allows members to take advantage of 97 percent financing with flexible underwriting, reduced PMI, and great rates. For more information or to apply, click here to learn more about our mortgage programs through myCUmortgage.

Second Mortgages:

Second mortgages are closed-end loans with a fixed rate of interest. Upon loan approval, the entire disbursement is provided to the member in one lump sum. The home will be used as collateral for the second mortgage. With a minimum balance of $5,000, no closing costs are associated with this loan. We will finance up to 90% of the appraised value less the first mortgage balance.

Home Equity Loans:

With the Home Equity Line-of-Credit, homeowners can finance large purchases such as automobiles, trucks, recreational vehicles, education tuition, and remodeling and/or home repairs. Use the home equity LOC to your benefit because the interest on this loan maybe tax deductible; however, please verify with your tax advisor. Our Home Equity loans have no closing costs and a minimum balance of $5,000. We will finance up to 90 percent of the appraised value less the first mortgage balance.

Vehicle Loans

Our competitive auto loan rates are just what you’re looking for to save on your monthly payments!

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We provide low, fixed rate loans on the following vehicles:

• New Cars/Trucks (with up to 100 percent loan-to-value!)
• Used Cars/Trucks
• Recreational Vehicles: Boats, and RVs

We also provide specialized loans for additional recreational vehicles, such as: ATV, snowmobiles, personal watercraft, motorcycles, camping and travel trailers, and motor homes.

Discounted loan rates will be given to members who sign up for payroll deduction or automatic payments on their auto loan.

Signature Loans

We understand that life happens and sometimes you just need a little help. Our signature loan is designed to do just that.

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Use the signature loan for any personal reason:

• Consolidate bills
• Pay taxes
• Purchase new furniture
• Take that much needed vacation
• Car repairs

Contact your local loan officer today for more information on taking advantage of our useful signature loan.

Secured Loans

If you're looking for a lower interest rate on a loan, you may consider a secured loan. With our secured loans, you can pledge collateral, such as your share account or stocks, to secure the loan.

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What's the benefit of a secured loan? Since you are willing to guarantee payback based on your own collateral, interest rates on the secured loan are typically significantly lower than unsecured options.

Share Secured Loans

Share Secured loans provide some of the lowest interest rates available. You can pledge your share savings account or share certificate for collateral. Generally, the interest rate for this type of loan can be figured by adding three percent to the dividend rate on the savings account. The loan can be granted for up to five years.

Stock Secured loans

Stock Secured loans are available to you if you pledge your personal stock (any company listed on Wall Street) as collateral. You may borrow 50 or 75 percent of the market value of the stock.

Incenta Cash

Incenta Cash is a credit rebuilding loan, which allows a member to borrow up to $500 without pulling a new credit bureau report. Direct deposit is required for Incenta Cash payments.