Conventional Mortgage Loans

Affordable mortgage rates put your finances in a good place

Most people are looking for a home in Iowa where they can feel safe, warm and happy for years to come. At Lincoln Savings Bank, we believe home loans should offer that same long-term comfort level. Our mortgages feature low interest rates, flexible loan repayment options and other features designed to fit your everyday finances and future plans.

Fixed Interest Rate Mortgages

Bring some certainty to your monthly budget. With a fixed-rate mortgage, your monthly loan payments will never go up, no matter how long you live in your house.

• Affordable rates and low closing costs
• Easy online loan application
• Personal service from our experienced mortgage lending team
• Ask your financial advisor about potential tax deductions for mortgage interest payments
• Mortgage refinancing options available

Adjustable Interest Rate Mortgage

Buying a home is a big investment. An adjustable-rate mortgage (ARM) can help you control some of the costs by offering lower monthly payments for a certain time period.

• Enjoy lower initial interest rates for a set number of years
• After the initial period expires, your monthly payments may change periodically
• Home loan caps limit the size of mortgage rate increases
• Good choice if you plan to move again in the near future, expect your monthly income to rise, or would like some extra time to rebuild your savings
• Get more details and personalized service from our experienced mortgage lending team
• Mortgage refinancing options available

Lincoln Savings Bank is a full-service Central and Northeast Iowa bank dedicated to local customers and communities since 1902.