Home Mortgage Loan

Purchase, refinance, remodel or build your dream home!

Our mortgage loan officers are ready to help you with your real estate needs.

Purchase, refinance, remodel or build your dream home! FSB can help you with all your real estate needs. We offer competitive rates, low closing costs and lightning-fast pre-approvals with all our home loans. Feel comfortable knowing you will have the same friendly loan officers from start to finish and take advantage of our flexible payment terms on in-house loans. Find a real estate loan in Waterloo or one of our other bank locations.

We can provide:

Plus get:

  • Flexible payment terms on in-house loans
  • Competitive rates
  • Low Closing Costs
  • Pre-Approvals
  • Home Loan Experts, at your service

Types of Loans

Fixed Rate Mortgage Loan from Farmers State Bank will help you purchase the home of your dreams without worrying about changes in your financing plan. Fixed payments, fixed terms and fixed rates allow for easy budgeting with a clear end in sight and peace of mind that your rate won’t change unexpectedly. To make it as convenient as possible, FSB allows for auto-pay options using your online banking account so you can be sure your payment is made on time, every time.

An Adjustable Rate Mortgage Loan works best for those planning a short-term stay in their new home, but need the loan to remain in place, just in case! Save money on fees associated with Private Mortgage Insurance (PMI) and the lowest available closing costs from FSB. Flexible underwriting and approval standards mean more people qualify for this type of loan and the changing rates will help you save money if interest levels decrease. This is a perfect solution for people interested in flipping houses and people who have struggled to qualify for other loans. We’re your Cedar Falls real estate loans solution – or call FSB or stop in today for more information on this type of loan in any of our bank locations.

Construction Loan is a temporary real estate loan for building projects to help finance building or adding onto your home and more. A borrower may make draws up to a predetermined limit to help with one of three types of construction projects: commercial loans, residential loans and agricultural loans. This is a convenient, safe and money-saving solution for a variety of construction projects.