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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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Property insurance is required on all mortgages.


Contact one of our Mortgage Specialists today!

Story City Office NMLS ID#
Sheryl Phipps, Vice President: 515-733-4396 or email Sheryl.Phipps@RSBiowa.com 580497
Shannon Bryan, Vice President:  515-733-4396 or email Shannon.Bryan@RSBiowa.com 580310


Garner Office NMLS ID#
Nathan B. Dykstra, Assistant Cashier & Loan Officer:  641-923-2801 or email Nathan.Dykstra@RSBiowa.com 1113589
Damon Quandt, Assistant Cashier & Loan Officer:  641-923-2801 or email Damon.Quandt@RSBiowa.com 1438196
Information on Mortgage Loan Originators
Additional Resources:

Mortgage Calculators 

Mortgage Glossary

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