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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.

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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.

Standard credit qualifications apply.

Central Bank Home Loans App

Calculate  monthly payments, compare lending scenarios, apply using your smartphone, and much more! Enter your cell phone number to download our home loans app: 

 

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.

Angie Van Otterloo's Image

Angie Van Otterloo

Mortgage Loan Officer | NMLS#402073

Location: Sioux City Mortgage Lending Office

Work Phone: (712) 226-5363

Cell Phone: (712) 251-7631

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, Managing 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 Koontz's Image

Dianna Koontz

Vice President, Mortgage Loan Officer | NMLS#493728

Location: Sioux City Main Office

Work Phone: (712) 293-2265

Jared Noteboom's Image

Jared Noteboom

Mortgage Loan Officer | NMLS#1207705

Location: Sioux City Hamilton Office

Work Phone: (712) 293-2265

JoAnn Linn's Image

JoAnn Linn

Assistant Vice President, Mortgage Loan Officer | NMLS #1254154

Location: Sioux Falls Minnesota Branch

Work Phone: (605) 782-1745

Karen Benecke-Renken's Image

Karen Benecke-Renken

Assistant Vice President, Mortgage Loan Officer | NMLS#400191

Location: Urbandale 100th St. Branch

Work Phone: (515) 254-9000

Laurie Beardsley's Image

Laurie Beardsley

Assistant Vice President, Mortgage Loan Officer | NMLS#441062

Location: Dakota Dunes Main Office

Work Phone: (605) 540-4333

Matthew Klein's Image

Matthew Klein

Vice President, Managing Mortgage Loan Officer | NMLS#446592

Location: Waukee Main Office

Work Phone: (515) 987-2299

Michael Gustafson's Image

Michael Gustafson

Mortgage Loan Officer | NMLS#248816

Location: Sioux Falls Minnesota Branch

Work Phone: (605) 782-0811

Peter Jenkins's Image

Peter Jenkins

Mortgage Loan Officer | NMLS #1136071

Location: Sioux Falls Minnesota Branch

Work Phone: (605) 782-1763

Shawn Brandt's Image

Shawn Brandt

Vice President, Mortgage Loan Officer | NMLS #472884

Location: Urbandale 86th St. Branch

Work Phone: (515) 309-5126

Sheila Zollman's Image

Sheila Zollman

Mortgage Loan Officer | NMLS#1284740

Location: Okoboji Mortgage Lending Office

Work Phone: (712) 337-9001

Todd Utter's Image

Todd Utter

Assistant Vice President, 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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