Buy a Home
Home loans made easy
To help you decide on the best home mortgage loan, we've got a wide range of options to choose from. From helping you determine your budget, through the application process, to unlocking your new front door, we’ll be with you every step of the way.
All loans subject to credit approval.
Contact a BankerFind the right home loan for you
Conventional loans
Get a great rate without having to pay a lot of added costs. Fixed rate loans offer rate and payment security, while Adjustable Rate Mortgages (ARMs) have more flexibility.
Low down payment options
State Housing Finance Agency Loans in Iowa (IFA,) Minnesota (MHFA,) Wisconsin (WHEDA,) and Colorado (CHFA.)
Learn MoreGovernment loans
You may benefit from special government loan programs through the Veteran Administration, Federal Housing Administration or US Department of Agriculture.
Learn MorePortfolio or in-house loans
Not all loans qualify for the secondary market – that’s where our in-house loans come in.
Construction and renovation loans
Our one-time or single close construction program makes construction or renovation financing easy.
Lot and land loans
Simple, convenient and flexible – our lot and land loans are for your future build or recreational land.
Bridge loans
Bridge loans provide the interim financing needed to help you transition from one home to the next.
Jumbo loans
These are perfect for borrowers who need a loan amount greater than the current conforming loan limit.
Piggyback or second mortgage loans
Don’t have the traditional 20% down payment and want to avoid paying mortgage insurance? These loans are for you.
All loans subject to credit approval.
Saving for a home?
The down payment is the one thing that separates many first-time homebuyers from making the leap and purchasing a home. That's no surprise. It can be challenging to save enough money for a down payment.
Thankfully, there are some smart ways to save for your first home that might even earn you a tax break (consult your tax professional for specifics). Reach out to your local MidWestOne banker to learn more.
All loans subject to credit approval.
Contact usHome loan process
From setting your budget to signing on the dotted line, we’ve laid out the steps we’ll go through to complete your home loan request. We’ve even included a document checklist.
All loans subject to credit approval.
Learn More