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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 are building your dream home, we have financing options for you. With local decisions, you can rely on us for competitive rates, one-on-one relationship management and our commitment to provide exceptional service. Apply below or stop in today and visit with one of our real estate professionals.

Construction Loan Information

CONSTRUCTION LOAN SPECIAL*

RELIANCE STATE BANK IS CURRENTLY OFFERING A $500 CREDIT TO BE APPLIED TOWARD CLOSING COSTS FOR NEW HOME CONSTRUCTION LOANS!

* Certain restrictions may apply. Reliance State Bank will give the lender closing cost credit of $500 at the time of closing. Offer valid for real estate home construction loans only. Loan-to-value restrictions will apply. This is a limited time offer and may be withdrawn at any time.

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Finish Existing Application


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Property insurance is required on all mortgages.
In some cases, interest paid on mortgage loans is tax deductible.  Consult your tax advisor regarding tax advantages.


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
Denise Fosse, Assistant Vice President: 515-733-4396 or email Denise.Fosse@RSBiowa.com   744780


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

Additional Resources:

Mortgage Calculators 

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