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Whether you are buying a home, building a dream home or refinancing your existing one, West Bank is here to open a decidedly different door to the American dream. When you’re ready for home ownership, our experienced local mortgage representatives can help you realize the American Dream. We offer competitive rates while providing our clients with extensive personal service and attention often lacking in larger banks. Keeping your costs low and your satisfaction at a premium is very important to us.

With fixed rate, adjustable rate, governmental, construction and jumbo mortgage loan options available, it is easy to see why West Bank is the mortgage lender of choice for more and more home buyers. To speak to a mortgage representative, call (515) 224-6360.

West Bank has a wide variety of products and rate options. Please visit our Rates page to view current interest rates.

Click here for our Rates.

Fixed Rate Mortgages

A fixed rate loan may be a good choice for people who expect to live in a home for an extended period or who seek to plan and budget without factoring potential interest rate fluctuations. As the most popular mortgage program for homebuyers, a fixed rate mortgage offers the stability and consistency of predictable monthly principal and interest payments for the life of the loan. West Bank offers standard 10 to 30- year repayment terms with a variety of down payment options.

Government Loans

First time home buyers may consider an FHA or VA mortgage. Available to most first-time homebuyers, FHA mortgages allow you to move into your new home with less out-of-pocket cash than required with most conventional loans.

With no down payment and some of the easiest qualifying requirements of any home loan, veterans of the armed services, active-duty personnel, reservists and their spouses may consider a VA mortgage.

Pre-Qualification

A pre-qualification is the process in which the mortgage representative reviews the income, debt, assets, credit history and monies available for down payment and closing costs. From this information, the mortgage representative is able to confirm the amount and type of loan available to the borrower. The borrower receives a pre-qualification letter, which provides you with an understanding of your lending capabilities.

Please complete our pre-qualification form and fax to us at (515) 224-6462

Mortgage Calculator

Use our convenient Mortgage Calculator to determine the monthly payment for your loan.

Variable Rate Mortgages

An Adjustable Rate Mortgage (ARM) may be a good choice for homeowners who anticipate an increase in their income during the life of the loan or who plan on moving within 5-7 years. With a typically lower initial mortgage rate and payment, ARMs are an increasingly popular alternative for home buyers. Lifetime interest rate caps can protect you and help keep your interest rate and payments within your reach. West Bank offers 1, 3/1, 7/1 and 10/1 ARMs with terms of 10-30 years.

Construction Loans

Building your own home is the American dream. West Bank can help make your dream a reality by providing you with a flexible mortgage loan. West Bank offers construction mortgage loans to meet progress payments without paying interest on un-disbursed funds. After your home is built, the construction loan converts to a standard fixed or adjustable rate mortgage without the need for a separate closing.

Jumbo Mortgage Loans

With mortgage programs of up to $1 million, West Bank can help you secure a fixed or adjustable rate mortgage to finance your dream home.