Twin Cedars Bank

Mortgage & Home Loan Services

Helping Your Family Enjoy The Home Of Your Dreams With Home Loan Options Suited To Your Unique Needs & Goals

Home Loan Bank - Twin Cedars BankConsidering purchasing a home or in need of a home improvement loan? Twin Cedars Bank, a local institution deeply rooted in the community, is committed to assisting you and your family in realizing the dream of homeownership. Our dedicated team strives to deliver high-quality banking services, guiding you seamlessly through the entire process – from loan application to closing. 

Count on our team of mortgage lending experts to support you at every stage, ensuring you find the best home loan tailored to your needs and providing ongoing assistance beyond the application process.

Learn more about our home loan options below or contact your local Twin Cedars personal banker for more information.

Fixed Rate Loans & Adjustable Rate Loans

Fixed-rate mortgages (FRM) and adjustable-rate mortgages (ARMs) are available in varying term lengths and are popular for buying or refinancing a home. A fixed-rate loan offers stability while an adjustable-rate loan generally offers a lower initial mortgage loan rate that adjusts periodically throughout the life of the loan.

First-Time Homebuyer Loans

As a top mortgage lender in Iowa, we want to help you achieve your dream of home ownership. If this is your first time buying a home, there’s no need for a mortgage broker. Our Loan Officers are here to guide you through the proper steps to buying a home. They will help you determine what you can afford and review your financing options, including down payment resources, types of home loans, and assistance programs. Our friendly and knowledgeable Loan Officers will take the stress out of getting a loan approved, so you can move into your house more quickly and start your new life!   

Home Loan Bank - Twin Cedars BankHome Construction Loans & Home Renovation Loans

Create your perfect home with one of our construction or renovation loans that feature project and permanent financing with a single closing. Whether you're undertaking simple home repairs, enhancing energy efficiency, tackling major renovations, or starting from scratch with new construction, we have the solutions to meet your needs.

Jumbo Loans

We stand ready with solutions to turn your dreams into tangible, achievable outcomes. We offer fixed and adjustable-rate program options with higher-than-conventional loan limits. Whether you’re purchasing a home, refinancing your home, renovating, or building a home, we have home loan options with jumbo loan limits for your unique financing needs.

Home Loans For Veterans

Federal and Iowa veterans' home loan programs offer fixed-rate conventional and jumbo loans for active duty personnel, reservists, and veterans. Both purchase loans and refinancing loans offer up to 100% financing with great mortgage rates. Learn more about veteran home loans at the Federal VA website.

Physician Loans

Whether you’re a new medical resident or a long-time attending physician applying for a mortgage, we understand your unique home financing needs and have a program designed to fit. Twin Cedars Bank offers fixed- and adjustable-rate options for conventional and jumbo-limit Physician Loans. 

Low Down-Payment Options

If you’re a first-time homebuyer or seeking a low down payment, let’s explore your FHA loan options. These low-down-payment loan options are offered through Federal Housing Authority, USDA home loans, and various state bond programs. Learn more at and

Home Loan Bank - Twin Cedars BankVacation Home Loans & Loans For Investment Properties

Thinking about buying a second home or investing in real estate? Twin Cedars Bank offers real estate loan financing for conventional and jumbo limits, including many construction and renovation loan program options. Our expert loan officers are here to help you with any second home or investment property loans that you may need. 

Bridge Loans

A bridge loan is a temporary financing option that is designed to help you “bridge” the gap between selling your current home and the purchase of a new home. You can use the equity in your current home for the down payment on your next property while you wait for your home to sell.

At Twin Cedars Bank, we're here to give you the excellent service you'd expect from a local bank you can trust. Our team lives and works in the same communities we serve, so we're genuinely invested in your success. We believe our focus on service makes us one of the best local banks in Iowa. Count on us for your mortgage and home loan needs, and we'll make sure to get you the best loan with the home mortgage interest rates available. 

Make Twin Cedars Bank Your Home For Residential Loans

Contact Us

Request an Appointment to Apply for a Loan

Meet Our Team

Contact Carri Vande Ree, Vice President, Home Mortgage and Wealth Banking

NMLS # 526334

201 Cornerstone Dr
Oskaloosa IA  52577

P: (641) 672-9863  

Apply with Carri today

Contact Michelle Sampson, AVP, Private Banking and Business Administration

201 Cornerstone Dr
Oskaloosa IA  52577

P: (641) 672-9863 


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