Federal Housing Authority (FHA) Loans

These popular home 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 homeownership 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 in Iowa.

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


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