FHA Loans

These popular loans have unlocked thousands of doors.

  • As little as 3.5% down
  • Qualify with less-than-perfect credit
  • Use gift money from family or friends

There's no reason to put your dreams on hold.

It can take years to save the small fortune needed to qualify for many traditional mortgages. And it can take just as long to push your credit score into near-perfect territory. But there's a more direct path to the American dream. The FHA Loan program - with its lower down payments and relaxed credit guidelines - can eliminate the long wait, get you over the hurdles and into a place of your own.

  • Designed for first-time homebuyers or other borrowers with modest incomes
  • Down payments as low as 3.5%
  • Fixed-rate and adjustable-rate loans available
  • Flexible credit guidelines
  • Use gifts from family members or employers - or a government grant - to meet financial requirements
  • Fixed-rate or adjustable-rate loans available


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Lincoln Savings Bank is a full-service Central and Northeast Iowa bank dedicated to local customers and communities since 1902.