Conventional Loans

We're always here to help our neighbors.

  • Fixed-rate and adjustable-rate loans
  • Choice of repayment terms
  • Personalized loan assistance

Affordable rates put your finances in a good place

Most people are looking for a home where they can feel safe, warm and happy for years to come. At Lincoln Savings Bank, we believe home loans should offer that same long-term comfort level. Our mortgages feature low rates, flexible repayment options and other features designed to fit your everyday finances and future plans.

Fixed-Rate Mortgages

Bring some certainty to your monthly budget. With a fixed-rate mortgage, your monthly loan payments will never go up, no matter how long you live in your house.

  • Affordable rates and low closing costs
  • Easy online application
  • Personal service from our experienced lending team
  • Ask your financial advisor about potential tax deductions for mortgage interest payments
  • Refinancing options available

Adjustable-Rate Mortgage

Buying a home is a big investment. An adjustable-rate mortgage (ARM) can help you control some of the costs by offering lower monthly payments for a certain time period.

  • Enjoy lower initial rates for a set number of years
  • After the initial period expires, your monthly payments may change periodically
  • Loan caps limit the size of mortgage rate increases
  • Good choice if you plan to move again in the near future, expect your monthly income to rise, or would like some extra time to rebuild your savings
  • Get more details and personalized service from our experienced lending team
  • Refinancing options available
Lincoln Savings Bank is a full-service Central and Northeast Iowa bank dedicated to local customers and communities since 1902.