Residential Lending Tailored for You
Discover the vision, values, and stories that make IFB your trusted partner in the financial world.
Flexible Solutions for Homebuyers and Homeowners
ARM Loans & Home Equity Solutions
Why Choose an ARM?
- Lower your monthly payments in the early years
- Build equity faster with more affordable upfront payments
- Free up cash for renovations, savings, or investments
- Take advantage of rate caps and adjustment limits
ARMs are a smart option if you plan to sell, refinance, or pay down your mortgage before the fixed-rate period ends.
Home Purchase
Finance your primary residence, second home, or investment property with flexible ARM solutions and personalized, concierge-level service.
Home Refinance
Take advantage by lowering your current mortgage rate, tapping into your equity, or adjusting your loan term to fit your goals. Flexible options available for rate/term and cash-out refinances.
Construction to Permanent Financing
Domestic borrowers only
- Single-family residences, planned unit developments (PUDs), and warrantable condominiums.
- No investment properties allowed.
- Variable rate tied to the Wall Street Journal Prime + margin.
- HELOC not available for international clients.
- Closing costs will apply.*
Why Choose an ARM?
ARMs are a smart option if you plan to sell, refinance, or pay down your mortgage before the fixed-rate period ends.
Lower your monthly payments in the early years
Build equity faster with more affordable upfront payments
Free up cash for renovations, savings, or investments
Take advantage of rate caps and adjustment limits
Helping Our Community Achieve Homeownership
Lending Solutions We Offer
Flexible ARM Options
ARMs are a smart option if you plan to sell, refinance, or pay down your mortgage before the fixed-rate period ends.
- Lower your monthly payments in the early years.
- Build equity faster with more affordable upfront payments.
- Free up cash for renovations, savings, or investments.
Home Purchase
Finance your primary residence, second home, or investment property with flexible ARM solutions and personalized, concierge-level service.
Home Refinance
Take advantage by lowering your current mortgage rate, tapping into your equity, or adjusting your loan term to fit your goals. Flexible options available for rate/term and cash-out refinances.
Home Equity Line of Credit (HELOC) – Florida Only
Access your home’s equity with a flexible line of credit ideal for home improvements or major expenses.
- Single-family residences, planned unit developments (PUDs), and warrantable condominiums.
- No investment properties allowed.
- Variable rate tied to the Wall Street Journal Prime + margin.
- HELOC not available for international clients.
- Closing costs will apply.*
Disclaimers
Rates may be adjusted based on several factors, including, but not limited to, loan type, occupancy type, property type, loan to value, and your credit score.
Closing costs apply.
Hazard insurance required, windstorm insurance and flood insurance required, if applicable.
Credit and Collateral subject to approval.
Terms and conditions apply.
Programs, rates, terms and conditions subject to change without notice.
Home Equity Line of Credit (HELOC) – Florida Only
Access your home’s equity with a flexible line of credit ideal for home improvements or major expenses.
- Single-family residences, planned unit developments (PUDs), and warrantable condominiums.
- No investment properties allowed.
- HELOC not available for international clients.
Disclaimers
Bank will apply a credit in the amount of up to $1,000 toward the closing costs to be reflected in the closing statement.
For all HELOCS paid off and closed within 24 months of opening date, the borrower will be required to reimburse the bank for the closing costs that were paid on their behalf.
Estimated third party costs and fees may range between $850-$10,000. Other fees may apply.
Final rates may be adjusted based on several factors, including, but not limited to, loan type, occupancy type, property type, loan to value, and your credit score.
Hazard insurance required, windstorm insurance and flood insurance required, if applicable interest.
Speak with your tax advisor regarding the deductibility of interest.
HELOC program only for Domestic Borrowers (U.S. Citizens and U.S. Residents) with properties located in the State of Florida.
Credit and Collateral subject to approval. Terms and conditions apply. Programs, rates, terms and conditions subject to change without notice.
Construction to Permanent Financing
Domestic borrowers only
- Flexible ARM Options available.
- One-time close without second set of closing costs.
- Available for primary residences and second home.
- No prepayment penalty.
- Interest paid on funds as drawn during construction.
- Maximum Debt-to-Income 43%.
Disclaimers
Final rates may be adjusted based on several factors, including, but not limited to, loan type, occupancy type, property type, loan to value, and your credit score.
Closing costs apply.
Hazard insurance required, windstorm insurance and flood insurance required, if applicable Credit and Collateral subject to approval.
Terms and conditions apply.
Programs, rates, terms and conditions subject to change without notice.
Helping Our Community Achieve Homeownership
Lending Solutions We Offer
Home Equity Line of Credit (HELOC) – Florida Only
Access your home’s equity with a flexible line of credit ideal for home improvements or major expenses.
- Single-family residences, planned unit developments (PUDs), and warrantable condominiums.
- No investment properties allowed.
- HELOC not available for international clients.
Professionals Program
Exclusive Home Financing for Top-Tier Professionals
Exclusively for high-achieving professionals purchasing or refinancing (rate and term only) a primary residence.
Eligible Professionals
Exclusively for high-achieving professionals purchasing or refinancing (rate and term only) a primary residence.
Licensed Attorneys
CPAs
Medical Doctors
(including Dentists, Oral Surgeons, Veterinarians)
C-Level Executives
- Professionals Program Disclaimer: Max Debt-to-Income Ratio: 43%. No cash-out refinances.
Licensed Attorneys
CPAs
Medical Doctors
(including Dentists, Oral Surgeons, Veterinarians)
C-Level Executives
High-Value Loans, Flexible Terms, and Personalized Service
Why Borrow with Us?
Can borrow up to $10 million.
Flexible ARM Options available.
Online Banking Access for loan payments.
Trusted, reliable customer service.
Personalized attention to meet your financial needs.
Hold Title in the name of a Trust or Limited Liability Corporation.
We are currently lending in the state of Florida and NY Metropolitan area
We Solve your Doubts
Frequently Asked Questions
What is an Adjustable-Rate Mortgage (ARM)?
An ARM is a home loan with an interest rate that is fixed for an initial period and then adjusts periodically based on market conditions. This usually means lower initial payments compared to a traditional fixed-rate loan, making it a great option if you plan to sell, refinance, or pay off your loan before the fixed-rate period ends.
Who can qualify for your residential lending products?
We offer residential lending solutions to U.S. citizens, residents, and non-resident alien (NRA) clients for primary residences, second homes, and investment properties in Florida and the NY metropolitan area. Certain restrictions apply to HELOCs and the professionals program.
What types of properties are eligible?
• Single-family homes.
• Warrantable condominiums.
• 2–4 unit residences (case by case).
• Planned Unit Development (PUDs).
• Co-ops (in NY Metropolitan areas only).
Note: HELOCs are not available for investment properties or foreign clients.
Can I refinance my current mortgage with you?
Yes. We offer rate/term refinances to adjust your interest rate or loan term, as well as cash-out refinances (except in the Professionals Program).
What is a HELOC and who can apply?
A Home Equity Line of Credit (HELOC) allows you to borrow against your home’s equity through a revolving line of credit.
- Available only in Florida.
- Variable rate tied to Wall Street Journal Prime + margin. Rates are subject to change based on the Wall Street Journal Prime.
- For single-family homes, Planned Unit Developments (PUDs), and warrantable condos only.
- Not available for investment properties or foreign clients.