Home Loans

Solutions for Your Dream Home

When it comes to financing your home, you need a financial partner you can trust. We combine our expertise in home lending, knowledge of the area and dedication to top-tier service for an unbeatable experience.

• Numerous programs to choose from, including long-term fixed rate mortgage loans, first-time home buyer loans and home equity loans
• Local decision making means you get a quicker decision on your mortgage loan approval
• Local servicing means your loan stays at the bank after closing
• Competitive, low rates
• We work with you to structure your monthly payments to be manageable with your budget

Apply Online in Minutes! Be sure to check out our Frequently Asked Questions!

Contact any of our mortgage lenders for more information on how we can help!

We get asked some common questions that you may have too

What is your interest rate?

Interest rates depend on the type of product that suits an individual’s needs. ISB offers competitive long term interest rates, fixed rates, balloon rates, and variable rates. In today’s market the long term fixed rates are the most popular and give the customer the benefit that their rate will never change. ISB will help the borrower determine what product best suits their needs and will also be the most affordable.

What are the closing costs?

ISB requires the standard closing items such as: appraisal work, abstracting, attorney’s opinion, credit reports, documentation recording fees, underwriting fee and an origination fee. Iowa State Bank will take care of processing all the necessary paperwork – simplifying the process for our borrowers.

I am “shopping” for my mortgage, why should I choose ISB?

1. We keep “the servicing” of your loan. What that means to you, the borrower, is that you make all your payments to ISB – not a third party. We have all your loan information at our fingertips: your paperwork, your loan balance, when you made your last payment, etc. You talk to “US” – not an automated phone service after waiting 10 minutes “on hold”.
2. ISB knows you, your situation and is able to offer personal customer service – not only with your loan, but with all your banking needs. You meet and visit with people you know – from your community. We are friendly and dedicated to serving you.

Can you help me calculate what I can afford?

ISB can help you determine what price range works best for you. It only takes a few minutes and we can give you suggestions to consider. You can also use any of our mortgage calculators to give you a better idea about how large of a loan you can afford, as well as a few other mortgage-related steps you can take.

Mortgage Qualification Calculator Mortgage Amortization Schedule Calculator Early Mortgage Payoff Calculator