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Osceola, IA (641) 342-2175
Lamoni, IA (641) 784-3120
Winterset, IA (515) 462-5090

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Home Loan Products & Services

Purchasing your first home?

Refinancing your mortgage?

Building your dream home? 


Our experienced loan officers will take good care you. They are here to answer all of your mortgage questions and quote our current competitive rates.

Osceola Location

Connie Siefkas
641.342.2175 (ext. 310)

Marilyn Penick
641.342.2175 (ext. 311)


Fixed Rate Mortgage Loans

ASB offers competitive fixed rate mortgage loans.
With a fixed-rate mortgage loan, you know exactly what your mortgage payment will be each month for the entire term because interest rates and repayment terms are fixed. A fixed-rate mortgage loan might be a good choice for you if you plan to stay in your house for many years, prefer the predictability of a fixed interest rate, or think interest rates could rise in the future.

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Adjustable Rate Mortgage Loans

ASB Offers Adjustable Rate Mortgages (ARMs)
Compared to typical fixed-rate mortgages, adjustable rate mortgages (ARMs) can offer lower closing costs and more flexible terms. Also, ASB has no Private Mortgage Insurance (PMI) requirements for ARMs. An ARM might be a good choice for you if you are planning to move in the next few years, expect your income to rise, require more flexible underwriting, or think interest rates may fall in the future.

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Home Equity Loan

Home equity loans provide financing behind the first mortgage for a short term at a fixed rate. Loan proceeds may be used for most any purpose, and the interest may be tax deductible.*

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Home Equity Line of Credit

The Home Equity Line of Credit is a pre-approved line of credit secured by your home’s equity. Funds are available up to an approved amount whenever needed. Payments are based upon the revolving balance and loan maturity. Interest may be tax deductible.*

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*Consult a tax advisor regarding your deductibility of loan interest.

 

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Customer Testimonials

testimonial-scroller-diane "We are most pleased with the friendly, professional service..."

- Diane Baxter Templeton Insurance

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"I switched to ASB because of their friendly and professional service."

Jeanie Sutton, Owner Quilt Country Family Restaurant

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America State Bank is by far the best place I have ever banked."


- Debbie Kepple-Mamros, Owner,
Let Them Eat Cake

  

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“I’ve always enjoyed the convenience of banking at the American State Bank downtown branch office.”

- Debbie Lynn

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"We’ve watched Connie grow up... twenty years later, we trust her with our finances.”

- Rick & Janet Easter