Mortgage Loan Options

Deciding on the right type of mortgage for your home is a big decision – and we’re here to help you every step of the way!

You Have Options

Our member-friendly mortgage options include great rates, low fees, and easy financing, all with home loan experts who can answer your questions and guide you toward the best option.

  • FHA – Gift funds allowed
  • Conventional 30, 25, 20, 15, 10 year fixed terms
  • VA – No down payment required
  • USDA – 100% financing
  • First-time home buyers
  • Mortgage Refinancing
  • Not sure what to expect when you apply for a mortgage loan?  View & print our “Mortgage Applicant Information” document.
  • Contact us for current rates, or call Mark at 515-867-2718 for details.
  • Print an Information Sheet

Apply For A Mortgage Loan Now!

Home Buyer Education

The housing marketing is booming and it’s a seller’s market. Members who are planning to buy a home need to be financially prepared to make an offer.

  • Video: 3 Things You Should Do Before Buying A Home

    Email Mark
  • Video: 3 cosas que debes hacer antes de comprar una casa

    Email Sonia
  • Not sure what to expect when you apply for a mortgage loan?  View & print our “Mortgage Applicant Information” document.

New Home Search Checklist

Before searching for a new home, there are some steps you should take to make the process simpler, and to ensure you’re ready to buy.

  • 1) Visit www.annualcreditreport.com to pull & review a copy of your credit report.
    Contact us if you would like help reviewing your report, or for resources to assist you in cleaning-up any issues or discrepancies on your report.
  • 2) Get pre-qualified for a mortgage loan.
    You’ll need to gather some documents prior to your prequalification:
    • 2 years’ worth of tax returns
    • proof of income
    • proof of assets
  • 3) Schedule an appointment with Mark Piper (NMLS #108354) or Sonia Lopez (NMLS #1581053) to get pre-qualified.
    Mark & Sonia, our Mortgage Loan Officers, will walk you through every step of your loan pre-qualification!
    Email Mark
    Email Sonia
  • Once you’re pre-qualified, it’s time to begin your home search!
Refinance to our lower mortgage loan rates and enjoy a similar payment.

Have less than 20 years left on your mortgage loan?

You may be able to refinance to our 10 or 15 year loan
with a similar payment.

Call or stop in for a free quote!