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First-time Homebuyer Headquarters Photo First-time Homebuyer Headquarters

First-time Homebuyer Headquarters Photo

Central Bank is your first-time homebuyer headquarters. We offer numerous assistance and affordable housing programs to help with down payment and closing costs. Our mortgage lenders work with you to learn about your financial situation, what you want and what you can afford before we make mortgage recommendations.

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Programs include:

  • Home Central – Up to $1,000 in grant funds, flexible credit and down payment options, home improvement funds and more. Only available for properties located in select LMI tracts, and used in conjunction with Central Bank’s Affordable Housing Program.
  • Home$tart – Up to $5,000 in grant funds to qualifying homebuyers earning 80% or less of the area median income for the location of the residence being purchased.
  • Home$tart Plus – Up to $10,000 in grant funds for eligible homebuyers.
  • Home Ready & Home Possible – Conventional, low down payment (as little as 3%) mortgage for creditworthy low- to moderate-income borrowers.
  • USDA – For eligible rural homebuyers with low- to moderate-income.
  • FHA – Flexible qualification guidelines for first-time buyers and buyers who don’t have perfect credit or a lot of money to put down.
  • VA – Lower rates. No need for a down payment. Mortgage insurauce is not required.

Contact a Mortgage Loan Officer or complete our online Mortgage Inquiry Form and we will get in touch with you.

Contact a Mortgage Loan Officer or complete our online Mortgage Inquiry Form and we will get in touch with you.

Charlie Larson's Image

Charlie Larson

Vice President, Mortgage Loan Officer | NMLS#493731

Location: Storm Lake Main Office

Work Phone: (712) 732-2190

Chris Jenness's Image

Chris Jenness

Vice President, Mortgage Loan Officer | NMLS#493730

Location: Cherokee Main Office

Work Phone: (712) 225-2546

Christopher Krueger's Image

Christopher Krueger

Vice President, Mortgage Loan Officer | NMLS#728693

Location: Sioux City Main Office

Work Phone: (712) 293-2265

Cindy Mart's Image

Cindy Mart

Vice President, Mortgage Loan Officer | NMLS#493726

Location: Spirit Lake Main Office

Work Phone: (712) 336-4100

Dianna Menefee's Image

Dianna Menefee

Vice President, Branch Manager II, Mortgage Loan Officer | NMLS#493728

Location: Sioux City Morningside Branch

Work Phone: (712) 276-3135

Karen Benecke-Renken's Image

Karen Benecke-Renken

Mortgage Loan Officer | NMLS#400191

Location: Urbandale Main Office

Work Phone: (515) 254-9000

Laurie Beardsley's Image

Laurie Beardsley

Mortgage Loan Officer | NMLS#441062

Location: Dakota Dunes

Work Phone: (605) 540-4333

Todd Utter's Image

Todd Utter

Mortgage Loan Officer | NMLS#501454

Location: West Des Moines Mills Civic Branch

Work Phone: (515) 222-1144

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You are leaving the Central Bank website. We are not endorsing or guaranteeing the products, information or recommendations provided by the organizations linked to our website. We are not liable for any failure of products or services advertised on those sites. We are not responsible for the validity, collection, use or security of information by organizations that may be linked to our website. We encourage you to read the privacy policies of websites reached through the use of links from the Central Bank website.

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