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Mortgage Options for First Time and Experienced Homebuyers

Owning a home has always been a part of the American Dream. Some prefer a two-story house in the suburbs, while others may choose a ranch-style home outside of town. Whatever your vision is of the perfect home, Central Bank is here to help you make it yours by offering mortgage loans from our own portfolio and the secondary mortgage market.

Our mortgage services are more than the loans themselves. Central Bank’s mortgage lenders work with you to learn about your financial situation, what you want and what you can afford before we make mortgage recommendations. This ensures the emphasis is on your needs, not our bottom line.

Online Mortgage Center … view current rates, compare loan programs and calculate payments.

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Central Bank offers numerous mortgage options from our own portfolio, as well as in the secondary mortgage market. From our own portfolio, Central Bank offers the following mortgage options:

  • Adjustable-rate mortgages
  • Construction-permanent adjustable-rate mortgages

Central Bank offers the following mortgage options in the secondary market:

  • Fixed-rate mortgages
  • Adjustable-rate mortgages
  • FHA loans
  • VA loans
  • USDA Rural Development - a variety of loan programs to help low and moderate income individuals and families to own homes in approved rural areas.
  • Home Ready - a specific mortgage offered through Fannie Mae® to help low to moderate-income borrowers get the financing to purchase a home.

You can find more information about our mortgage offerings, rates and apply online in our Mortgage Center. If you’re not ready to apply yet, fill out our online Mortgage Inquiry Form and one of our mortgage lenders will get in touch with you to go over your needs.

Standard credit qualifications apply.

View our Featured Rates.

What is an adjustable-rate mortgage?

An adjustable-rate mortgage, or ARM, is a mortgage in which the interest rate may fluctuate based on market conditions.

What is a fixed-rate mortgage?

A fixed-rate mortgage is a mortgage with an interest that is locked in for the entire life of the loan.

Amber Lampe's Image

Amber Lampe

Assistant Vice President, Mortgage Loan Officer | NMLS#408908

Location: Urbandale Main Office

Work Phone: (515) 254-9000

Chad Harris's Image

Chad Harris

Mortgage Loan Officer | NLMS#501594

Location: Urbandale Main Office

Work Phone: (515) 254-9000

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

Assistant Vice President, Mortgage Loan Officer | NMLS#493730

Location: Cherokee Main Office

Work Phone: (712) 225-2546

Christopher Krueger's Image

Christopher Krueger

Assistant 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

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

Location: Sioux City Morningside Branch

Work Phone: (712) 276-3135

Haley Greenwood's Image

Haley Greenwood

Mortgage Loan Officer | NMLS #1426798

Location: Ankeny Main Office

Work Phone: (515) 473-7033

Karen Benecke-Renken's Image

Karen Benecke-Renken

Mortgage Loan Officer | NMLS#400191

Location: West Des Moines Mills Civic Branch

Work Phone: (515) 222-1144

Laurie Beardsley's Image

Laurie Beardsley

Mortgage Loan Officer | NMLS#441062

Location: Sioux City Hamilton Branch

Work Phone: (712) 276-3135

Vicki Davis's Image

Vicki Davis

Vice President, Managing Mortgage Loan Officer | NMLS#406039

Location: Waukee Main Office

Work Phone: (515) 987-2299

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