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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.

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Find 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.

Home Mortgage Loans in Iowa City

Low down payment options

State Housing Finance Agency Loans in Iowa (IFA,) Minnesota (MHFA,) Wisconsin (WHEDA,) and Colorado (CHFA.)

Affordable home loans in Iowa City Learn More

Government loans

You may benefit from special government loan programs through the Veteran Administration, Federal Housing Administration or US Department of Agriculture.

Government Loans Learn More

Portfolio or in-house loans

Not all loans qualify for the secondary market – that’s where our in-house loans come in. 

MidWestOne offers home mortgages for every need.

Construction and renovation loans

Our one-time or single close construction program makes construction or renovation financing easy.

Build your dream home with a MidWestOne Construction Loan

Lot and land loans

Simple, convenient and flexible – our lot and land loans are for your future build or recreational land.

Lots and Land Loans

Bridge loans

Bridge loans provide the interim financing needed to help you transition from one home to the next.

Bridge Loans

Jumbo loans

These are perfect for borrowers who need a loan amount greater than the current conforming loan limit.

Jumbo Loans

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.

Piggyback Loans

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.

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Home 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.

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Happy family enjoying their home purchased with a mortgage from MidWestOne Bank.