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Home Buying Tips

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Ready to take the next big step in your life? Buying a home is the single largest investment most of us ever make. Here are a few tips for when you begin the search!

Know the Expenses of Homeownership

  • Home Insurance
  • Utilities
  • Payments
  • Repairs & Maintenance
  • Real Estate Taxes
  • Homeowners Fees

Down Payment

  • Save and determine what you can personally afford for a down payment. Usually 10- 20% is an ideal down payment.

Know Your Credit Score

  • Check your credit score and make sure that your credit history is healthy.
  • By law, you are entitled to a free credit report from each credit reporting agency every 12 months. View your credit report at

Find a Mortgage Lender

Start House Hunting

  • Find a knowledgeable realtor in your area.
  • Compare prices in your area.
  • Have a home inspection done prior to your purchase.

Additional Resources

Iowa State Savings Bank Mortgage Services
Mortgage Loan Calculator

Contact us to learn more.

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