Home Mortgage Rates
Rates effective 9/18/2025
15-Year Fixed*
| Amortization | Rate | APR |
|---|---|---|
| 15-Years | 5.96% | 6.03% |
| 30-Years | 6.10% | 6.16% |
Adjusted Rate Mortgage**
| Fixed Term | Rate | APR |
|---|---|---|
| 3-Year | 6.25% | 6.29% |
| 5-Year | 6.35% | 6.40% |
Contact a lender to lock in your rate
Our loan decisions are made locally and your loan stays at Iowa State Savings Bank. Contact a lender to lock in your rate.
Customer Testimonials
Read what our customers are saying about their mortgage experience with ISSB
All interest rates are subject to change at any time. NMLS #421412
*Financing Example: 15% down payment, $100,000.00 loan. 6.40% interest rate (6.49% Annual Percentage Rate (APR)). 15-year loan with 180 monthly payments. The monthly principal and interest payment would be $865.79. If applicable, taxes and insurance may make payments higher. $80,000 minimum loan amount. Minimum credit score of 700. Standard underwriting applies. Owner occupied only. First lien only.
**Financing Example: 15% down payment, $100,000 loan. 6.75% interest rate (6.398% Annual Percentage Rate (APR)). 3-year loan with monthly payments amortized over 30 years. The monthly principal and interest payment would be 36 payments of $648.63 followed by 323 monthly payments of $615.36 at 6.21%. ARM based on 3-year treasury rate 3.46% plus a margin of 2.75%
