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Federal Deposit Insurance Corporation FDIC Insured - Backed by the full faith and credit of the U.S. Government.

Get Pre-Approved with FSB

Get Into Your Next Home Faster

Get pre-approved with FSB to streamline your homebuying process and close sooner!

Apply Online

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

Local lending Support

Your Mortgage Journey Awaits

From application to closing day, FSB's local lenders are here for you every step of the way.

Get Personalized Guidance

Down Payment Assistance

Down Payment Assistance Available

FSB's Mortgage Lenders are here to help. Contact one today to discover the down payment assistance you may qualify for!

Contact a Lender

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FSB Loan OptionsGrant Information | Mortgage Rates | Discounted Rate Program

Mortgage Loans with FSB

Whether you are buying your first home, your dream home, or refinancing your existing home, our experienced and local lenders will be with you from application to closing day. Being a community bank means that your loan is processed in-house at FSB.

 Our lenders will:

  • Determine the size of loan you can afford
  • Assist you with your loan application
  • Answer your questions and provide advice on getting the best mortgage rate

Ready to Start the Home Loan Process?

Choose between the two options below to start the process:

Apply Online Mortgage Inquiry Form

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

Loan Options

Fixed Rate Mortgage

Fixed Rate Mortgage

Looking for a reliable and predictable mortgage payment?

A fixed-rate mortgage might be the right choice for you. Whether you're interested in a 15- or 30-year mortgage, this type of loan offers a fixed interest rate and steady monthly principal and interest payments throughout the loan term.

With a fixed-rate mortgage, you avoid fluctuations in interest rates and budget confidently for the future.

Adjustable Rate Mortgage (ARM)

Adjustable Rate Mortgage

Need an adjustable interest rate?

An ARM loan offers a fixed rate and payment for a specified duration, followed by an adjustable interest rate and payment for the remaining loan term.

This can be an advantage over a fixed rate mortgage if you plan to move or refinance before the adjustment period ends.

Jumbo Loans

Jumbo Loans

Looking for a sizeable mortgage loan?

FSB provides jumbo mortgage loans with adjustable terms to help fulfill your distinctive financing needs. 

If your loan amount exceeds $726,200, a jumbo loan is the answer.

Construction Loans

Construction Loans

Looking to build your dream home?

FSB offers short-term financing with interest-only payments to help make your construction process a breeze.

We'll disburse funds directly to the builder/contractors upon your approval of the bills, so you can focus on creating your ideal living space.

Once your home is completed, we will provide seamless transition into fixed financing.

Customizable Home Loans

Customizable Home Loans

Looking for more flexibility when financing your property?

Our in-house loans could be the solution you need. We offer this type of loan to accommodate unique situations and properties that may not fit the requirements of traditional loan programs.

Apply Now

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

Government Loans

Federal Housing Administration (FHA)/Veteran Affairs (VA)

The Federal Housing Administration (FHA) and U.S. Department of Veterans Affairs (VA) government-insured fixed-rate mortgages provide lower down payment requirements and flexible credit and income guidelines, making them excellent options for affordable home financing.

FHA Loan Features

  • Down payments as low as 3.5%
  • Gift money is acceptable for a down payment
  • Lower monthly mortgage insurance
  • No maximum income/earning limitations
  • Flexibility with less-than-perfect/limited credit

VA Loan Features

  • No down payment required
  • Flexible underwriting guidelines
  • No monthly mortgage insurance
  • 100% cash-out refinance
  • Subject to Veteran (and surviving spouse) eligibility

We offer a variety of loan terms to choose from, including 15- and 30-year fixed-rate mortgages.

VA Loans couple

Rural Housing (USDA)

Capitalize on the benefits of a Rural Housing Loan (USDA), which helps borrowers in qualifying rural areas become homeowners.

USDA Loan Features

  • No down payment required
  • Must be in a USDA-eligible location
  • Subject to income guidelines
  • Low monthly mortgage insurance
  • Not limited to first-time homebuyers 

Iowa Finance Authority Home Loans (IFA)

The Iowa Finance Authority (IFA) has touched the lives of countless Iowans through its 40-year history by offering affordable housing and down payment assistance to qualified buyers.

IFA Loan Features

  • Not limited to first-time homebuyers
  • Subject to income guidelines
  • Low or no monthly mortgage insurance
  • Grant money available
  • 640 minimum credit score

Apply Now

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

Resources for Homebuyers

Learn more about owning a home

What Are The Benefits of Homeownership?

Choosing the Right Mortgage Loan=

How to Choose the Right Mortgage Loan?

HELOC or Home Equity

HELOC or Home Equity Loan - Which Do You Need?

3% Down

How Much Do You Really Need To Put Down?

First-Time Homebuyer Programs:

If you're a first-time homebuyer, FSB offers several programs to help you achieve your dream of homeownership.

IFA FirstHome

This loan makes buying your first home more affordable. With this program, you could receive up to $5,000 in down payment and closing cost assistance, and have access to competitive interest rates.

IFA Homes for Iowans

Specifically designed for Iowa residents who are first-time homebuyers or who haven't owned a home in the last three years, this program offers a lower interest rate and down payment assistance to qualifying applicants.


HomeReady is a flexible and affordable option for first-time homebuyers with low-to-moderate income. This program allows for a low down payment and offers reduced private mortgage insurance premiums.

Our experienced lenders will help you determine which program is right for you based on your unique situation and needs.

Learn More About Available Grants

Mortgages Family at Dinner Table

Ready to get the process started?

When applying for a mortgage, you'll need:

  • Two most recent bank statements (checking, savings, investments, 401(k), etc.)
  • Proof of income (most recent pay stub covering a minimum of 30 days, retirement statements or award letters, contract for employment, etc.)
  • W2 or 1099 and complete signed tax returns for the last two years (personal and business)

Apply Online


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.


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