Twin Cedars Bank

1st Time Home Buyers

Achieve Your Dream of Homeownership with Twin Cedars Bank

As one of the premier banks for home loans in Iowa, Twin Cedars Bank is committed to making the process of buying a home a seamless and rewarding experience. With our deep roots in Bussey and the Des Moines community as well as a team of dedicated mortgage professionals, we're the local bank you can trust for all your home financing needs.

 At Twin Cedars Bank, we understand that navigating the home-buying process as a first-time homebuyer can be daunting. That's why we're here to guide you through every step, ensuring a smooth and stress-free experience. From conventional fixed-rate loans to adjustable-rate loans to specialty mortgages, we offer competitive interest rates and personalized guidance to help you find the perfect fit.

Learn more about our home loan options below or contact your local Twin Cedars personal banker for more information about how to apply for a loan today.

Loan Pre-Approval: The Key to Homebuying Success

Before you embark on your homebuying journey, it's essential to understand your financial standing and borrowing capacity. That's where our pre-approval process comes into play. Our mortgage experts will thoroughly evaluate your income, credit history, and financial obligations to determine the loan amount you qualify for, empowering you to make informed decisions and streamline the home search process.First time homebuyers celebrating a loan from Twin Cedars bank, the premier local bank in Bussey and Des Moines for home loans

A Wide Range of Mortgage Solutions

One of the most common concerns for first-time homebuyers is understanding the different loan options available. We’re an Iowa bank that offers a range of financing solutions tailored to your unique needs and financial situation, including these loan types:

  • Conventional Loans: With flexible down payment options and competitive interest rates, conventional loans are an excellent choice for borrowers with strong credit profiles.
  • FHA Loans: Designed for borrowers with lower credit scores or limited savings, FHA loans offer more lenient qualification criteria and down payments as low as 3.5%.
  • VA Loans: Active-duty military personnel, veterans, and their spouses can take advantage of our VA loan program, which allows for little or no down payment and no mortgage insurance premiums.
  • USDA Loans: If you are looking to purchase a home in eligible rural areas, our USDA loan program offers zero down payment options, low interest rates, and flexible credit requirements.

Personalized Guidance from Start to Finish

At Twin Cedars Bank, we understand that buying a house is a significant investment, both financially and emotionally. That's why our dedicated mortgage professionals are committed to providing personalized guidance throughout the process. From answering your questions and addressing your concerns to offering valuable insights and recommendations, we're here to ensure a smooth and stress-free homebuying experience.

Take the First Step Today

Whether you're a first-time homebuyer or an experienced investor, everyone is searching for the best banks for home loans. Twin Cedars Bank is your trusted partner in achieving your homeownership goals. Contact us today to schedule a consultation with one of our mortgage experts and take the first step toward your dream home.

Twin Cedars Bank is a member of the FDIC and an Equal Housing Lender.

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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