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5% Minimum Down Payment - That’s All!


  • 10 - 30 year fixed mortgage rates that are at an all-time low.
  • Close in as little as 30 - 45 days.
  • Offering up to $10,000 in down payment assistance for qualifying applicants.
  • Enjoy low closing costs.
  • We issue loans in all 50 states.
  • Welcoming Illinois Farm Bureau members.

Here's some of the different Home Loan options to choose from...

Photo of IAACU building with best Mortgage company for 2023 and 2024

Start a New Mortgage

With personalized service from start to finish for the life of the loan, you can't go wrong choosing IAA. Not to mention: Lower closing costs, down payment assistance & competitive rates.


Refinance an Existing Mortgage

Looking for a better rate or a more beneficial payment schedule? IAA will work to find a refinancing plan that fits your current situation. So let’s sit down and talk about your options!

Get a Home Equity Loan

Thinking about doing some major remodeling to your home? Do you have unwanted credit card debt? Need a little help financing your child’s education? 

Get Downpayment Assistance

We partnered with Federal Home Loan Bank to offer Downpayment Plus® Program*, you may be eligible for up to $10,000 in homebuying assistance.

  • Quick and easy loan processing. We appreciated how informative the representative was and the prompt service we received.
    Anonymous; Normal, IL
  • This was the easiest loan process ever!

    Teena G; Heyworth, IL
  • IAACU always has a we can make it happen attitude!

    Tonya A; Cooksville
  • All staff has always been helpful and pleasant. Justin Vest is actually what keeps IAACU as our first choice for loans.

    Karen B; Tinley Park

This is not an application for mortgage.  Mortgage prequalification helps to determine if you meet the minimum requirements for a loan and how much home you can afford.  If the qualifications are met for the purchase price and loan terms you have listed you will be presented a pre-approval letter.  If you’re confident in your finances and are ready to apply now, you should complete a full application instead.

Continue to Pre-Qualify Now