Mortgage & Home Loan Services

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

Thinking about buying a home? Looking for a home improvement loan? Twin Cedars Bank is a local bank with community roots that is dedicated to helping you and your family live in the home of your dreams. We work hard every day to provide you with quality banking services to help you achieve your home ownership goals. From application to closing, our team of mortgage lending experts will be here for you every step of the way from finding the best home loan for you through the loan application process and beyond. 

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 the best mortgage lender in Iowa, we want to help you achieve your dream of home ownership. If this is your first time buying a home, 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. 

Home 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. From simple home repairs and energy efficiency improvements to major home repairs, complex renovations, and from-the-ground-up new construction, we’ve got you covered.

Jumbo Loans

You’ve got big dreams, and we’ve got the solutions to make those dreams come true. 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, 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 HUD.gov and rurdev.usda.gov.

Vacation 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.

Twin Cedars Bank is dedicated to providing our customers with the high-quality service you’d expect from a trusted local bank. Because our members live and work in the communities we serve, we are deeply invested in your success. We believe our culture of service and dedication make us the best local bank in Iowa. Whatever your mortgage and home loan needs, you can count on Twin Cedars Bank to get you the best loan for you with the home mortgage interest rates available. 

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