Iowa State Savings Bank

Refinance Your Home

Rural House

Adjust your current loan based on where you are today

Refinancing allows you to revisit your current loan and make changes. We will walk through your existing loan, your goals, and what options make the most sense.

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Contact a banker


Start with a conversation

We begin by understanding your current loan and what you would like to change.

  • Your current rate and monthly payment 
  • How long you plan to stay in your home 
  • What you would like to improve or adjust 

From there, we will outline options and next steps based on your situation.

What we will work through together

As you move forward, we will walk through the decisions that shape your refinance.

  • Updated loan amount and term 
  • Monthly payment options 
  • Rate structure 
  • Whether accessing equity makes sense 

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How your loan is handled

Your loan stays with us, which allows us to work through details directly as your needs change.

  • Options for different rate types and loan terms 
  • Flexibility to adjust based on your goals 
  • One lender guiding the process from start to finish 

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When it fits

This option is often a good fit if:

  • You want to lower your rate or monthly payment 
  • You want to change your loan term 
  • You want to access equity in your home 
  • You want to revisit your loan based on current needs 

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Get started

You do not need to have everything figured out to begin. We can walk through your current loan and help you understand what changes make sense.

Get started

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Schedule a meeting

NMLS #421412

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