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Real Estate Loans

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Our experienced real estate and home loan officers have the knowledge to help you navigate through all your growing processes—whether you’re buying a starter home, renovating a fixer-upper or refinancing your dream home. A mortgage is a big deal - so if you're considering buying a home in the near future, here are some things to think about. Your credit is crucial and is the foundation of the home loan process. Know your credit score and work to build sound credit. Understand your debt to income ratio and how your payments are relative to your income. Feel free to run your own mortgage calculations to understand what you might be able to afford.

Our real estate and home loan offerings are designed to offer you flexible terms and competitive costs. We service all our home loans, which means we’re with you every step of the way—from the time you fill out your loan application to the very last mortgage payment you make.

Types of Mortgage Loans

Conventional, fixed rate loans

  • 15, 20 and 30 year terms
  • As little as 3% down payment (restrictions apply)
  • First-time homebuyer programs available for eligible borrowers

Government loans

  • FHA, VA and Rural Development loans

In-house loans

  • 10 year, fully amortized loans
  • Balloon loans (up to 30 year amortization)
  • Home construction loans

Loan Officers

Photo Name Job Title Location Phone Email NMLS ID
Lenny Daniel Vice President Carroll 712-792-9772 Email 780922
Brad Woodard Loan Officer Coon Rapids 712-999-2271 Email 1610693
Amanda Riesberg Vice President Carroll 712-792-9772 Email 754423
Dan Kratoska Vice President Carroll 712-792-9772 Email 780926
Diane Halbur Teller Glidden 712-659-2372 Email  
Linda Schuknecht Assistant Office Manager Lake City 712-464-3153 Email