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Mortgage Loans

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At Reliance State Bank we understand the value of home ownership. Our knowledgeable lenders welcome the opportunity to visit with you about the possibility of your new home becoming a reality. From the initial application to the final closing papers, you can rely on us for guidance throughout the entire mortgage process.  

Fixed-Rate Mortgages

If you are planning to stay in your new home for more than five years, a Fixed-Rate Mortgage may be the right option for you. A fixed rate mortgage helps ensure your principal and interest payments will not increase over time.

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Adjustable-Rate Mortgages

A Reliance State Bank Adjustable-Rate Mortgage may be the right choice if you expect to be in your home for less than five years, or you expect that mortgage rates will decline over time.  With an Adjustable-Rate Mortgage, monthly payments could be lower than a Fixed-Rate Mortgage for the first few years.  Please contact us if you are interested in an adjustable-rate mortgage.

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Finish Existing Application

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.

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Finish Existing Application

Contact a Mortgage Specialist

Reliance State Bank Story City Branch

Story City Lenders

Sheryl Phipps, Vice President

Denise Fosse, Assistant Vice President

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Reliance State Bank Garner Branch

Garner Lenders

Nathan Dykstra, Vice President

Damon Quandt, Vice President

Justin Reding, Loan Officer

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If you would like to request a paper application, please stop by or call us at 515-733-4396 in Story City or 641-923-2801 in Garner.

In some cases, interest paid on mortgage loans is tax deductible. Consult your tax advisor regarding tax advantages.

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