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Home Loans

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We're excited to start this process with you! We've got great loan options available, but if you're unsure which one is the right fit or what kind of home you can afford, just contact any of our local lenders. Don't worry; you don't need to be a financial guru to talk to us. We're happy to walk you through all your options.

Mortgage Services

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Fixed-Rate Mortgage

This is our most popular mortgage option. The fixed rate ensures your principal and interest payments won't increase over time.

  • As little as 3% down
  • Competitive interest rates
  • Loan terms of 10, 15, 20, or 30 years
  • Great option for buyers interested in refinancing

Apply Online

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Adjustable-Rate Mortgage

An adjustable-rate mortgage may be the right fit if you expect to be in your home less than 5 years.

  • As little as 3% down
  • Competitive interest rates
  • Loan terms of 10, 15, 20, or 30 years

Apply Online

Couple touring home under construction

Construction Loans

If you're ready to build your custom, dream home, we're ready to help. Our experienced lenders will work with you every step of the way to bring your vision to life.

  • As little as 20% down
  • Competitive interest rates

Apply Online

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Specialty Loans

Certain buyers may qualify for loan services available through various government agencies. These include:

  • FHA Loans
  • VA Home Loans
  • USDA Rural Development Loans

Apply Online

Home Equity Loans & Lines

Home equity loans and lines of credit allow you to borrow against the equity you've built up in your home. Equity is the fair market value of your home minus any debt on the home. They can be used for a variety of purposes including renovation projects, major expenses such as a child's wedding, or consolidation of debt.

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Home Equity Loans

Home equity loans allow you to receive a lump-sum of money to finance projects, cover major expenses, or consolidate high-interest debt.

Up to 90% combined loan-to-value financing is available.

Apply Online

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Home Equity Lines of Credit

HELOCs function somewhat like credit cards. You can borrow as little or as much as you need, up to your credit limit. You only pay principal and interest on your outstanding balance. 

Up to 90% combined loan-to-value financing is available.

Apply Online

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Have Questions?

If you've got a question, just ask! Anything from "how much home can I afford?" to "how much would my down payment be?"

Even if you're in the early stages of deciding whether or not a purchase is right for you, we're happy to answer your questions. It's what we're here for!

Ask a Lender

Contact a Local Lender

Denise Fosse



Story City


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Nathan Dykstra





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Damon Quandt





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Justin Reding





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Looking to finish an existing application or check your loan's status?

Property insurance is required on all mortgages.

Frequently Asked Questions

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