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FSB Mortgage Rates

Current Home Loan Rates in Iowa


Explore FSB's competitive mortgage rates and see how the FSB Mortgage team can help you throughout the homebuying process. Take the first step towards your dream home!

See Mortgage Rates Get Pre-Approved

Must be 18 or older to apply. All loans are subject to credit approval.

Today's Mortgage Rates - Iowa Home Loans

term/type of loanInterest RateANNUAL PERCENTAGE RATEnumber of monthly paymentspayment per $1,000 borrowed*

15-Year Fixed

6.000% 6.079% 180 $8.44

30-Year Fixed

6.375% 6.413% 360 $6.24


6.125% 6.280% 360 $6.08
IFA IFA rates and income limits can be found on the IFA website

For information regarding USDA and FHA loans or additional assistance completing your mortgage application, contact an FSB Mortgage Lender today!

Get Pre-Approved with FSB

All rates are subject to change without notice. Actual rate may be higher based on credit history, occupancy, LTV and loan type. The rates provided assume the purpose of the loan is to purchase a single family residence that will be used as a primary residence. FSB is not responsible for typographical errors or omissions.
APR reflects waiver of an FSB Origination fee. Subject to change without notice.
*Amount with a loan amount of $120,000 and a purchase price/property value of $130,000. In addition, the rate is based on a 30 day lock, a credit score of 740, an escrow account, and qualifying for Fannie Mae’s Homeready program. Payments calculated do not include amount for taxes, insurance, and PMI premiums.

Call For More Information 319-730-6990.


Take Your Money to the Next Level

New checking account customers can earn a $250 cash bonus1 by opening an eligible checking account with direct deposit. Plus, enjoy up to $350 off closing costs1 with an FSB Mortgage.

Offer Details

1Qualifications and restrictions apply - click button for full disclosure.

Streamlined Pre-Approval Process with FSB

Why Get Pre-Approved?

Getting pre-approval provides a clear understanding of your budget and puts you in a position to make an offer if the perfect home hits the market. You want to get pre-approved before you start shopping!

The Pre-Approval Process

  • Start Your Journey - Choose between: 
  • Personalized Assistance - Following your application, an FSB Mortgage lender will contact you to discuss your application further, determine how much home you can afford, answer any questions, and outline next steps
  • Financial Analysis - FSB goes the extra mile, evaluating your potential mortgage payment, property taxes, private mortgage insurance (if applicable), escrow payments, and other expenses to ensure you're comfortable with your potential monthly payment
  • Customized Mortgage Solutions - Once approved, your FSB lender will work with you to identify the best mortgage option and explore eligibility for specialized grants or loans

Ready to Begin Your Journey?

Online Application

Online Mortgage Application

Before starting your application, you'll need your last two bank statements, proof of income, a W2 or 1099 form, and the signed tax returns for the past two years.

This preparation ensures a smooth application process!

Apply Online

Inquiry Form

Contact a Mortgage Lender for Additional Support

For additional assistance with your mortgage application or to contact a lender, please complete FSB's brief inquiry form.

After submitting, a lender will reach out to help you through the application process and further discuss your mortgage needs!

Get Personalized Guidance

Must be 18 or older to apply. All loans are subject to credit approval.

Additional Mortgage Resources

Visit the FSB Mortgage page for additional information about mortgage loans with FSB.

Visit FSB's Financial Resource Center for educational resources about the homebuying process.

Visit the First-Time Homebuyer page for information regarding first-time homebuyer events.


“Throughout the homebuying process, Tammy and the FSB Mortgage team made the home-buying process easy and stress-free. They helped us find the right mortgage loan option with the best possible rate, helping us focus on what truly mattered – finding our dream home. We are now proud homeowners, all thanks to the FSB Mortgage team!”

Hunter & Brittany
FSB Mortgage Customers

All FSB Branches will be closed on Monday, May 27, in observance of Memorial Day.

For your banking needs, log in through online banking or use FSB's mobile banking app, FSB Now.

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