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Mortgages

GreenState is the #1 home loan lender in Iowa. We offer low fixed rates, low fees, up to 100% financing, and local processing and underwriting.

What makes GreenState the #1 choice for home loans?


Professional Local Service

GreenState has a strong culture of service and dedication to our members.
Meet our GreenState Mortgage Team and find out what we're all about!

Great Rates and Great Programs

GreenState offers a variety of loan programs including fixed-rate and adjustable loans to meet your needs.  We have programs for first time home buyers and even offer ways to avoid Private Mortgage Insurance (PMI).  

Up to 100% Financing

Well qualified buyers may be eligible for 0% down loans in select loan programs.  

Extended Rate-Locks Available

Whether you need time for new construction to be completed or just need the certainty of locking in your interest rate range for you new home search, extended rate-lock options up to 360 days are available. 

Mortgage Calculators

Should you rent or buy your home?
Rent vs. Buy

Find out how much you can afford.
Mortgage Qualification

Calculate a monthly payment.
Mortgage Loan Payment

Prospective borrowers can reach our mortgage department at 877-527-3510

First Mortgage Loan Programs

We offer fixed and adjustable rate loans, plus programs for first time homebuyers and more.

Fixed-Rate Loans

GreenState offers fixed-rate mortgage loans through several vendors so we can lock in the lowest rate possible for you. We have programs for first time homebuyers and even offer ways to avoid Private Mortgage Insurance (PMI).

Learn More: Fixed-Rate Loans

Adjustable-Rate Mortgages

GreenState offers in-house adjustable-rate products if you need 100% financing or don’t plan to stay in your home long-term. We even offer ways to avoid Private Mortgage Insurance (PMI).

Learn More: Adjustable-Rate Mortgages

Find the mortgage that's right for you. 

Additional Loan Programs

USDA Rural Development

This program provides loans for low to moderate income families in rural Iowa achieve their dream of home ownership. Up to 100% financing is available.

Learn More: USDA Guaranteed Rural Housing Loan

Visit: USDA Rural Development, Iowa

Veterans Affairs (VA) Loans

We’re proud to offer VA Loans for American Veterans and eligible surviving spouses.

Learn More: VA Loans

Visit: Department of Veterans Affairs, VA Home Loans

FHA Loans

The Federal Housing Administration has helped low to moderate income buyers become homeowners since 1934.  FHA loans are insured by the federal government which helps you get a better deal including down payments as low as 3.5%, low closing costs and easier credit qualifications.  

Learn more about FHA Loans.

Jumbo Mortgage Loans

For borrowers needing a loan amount greater than $484,350 GreenState offers Jumbo Mortgage loans with a low fixed rate and no 1% origination fee.

Financial Protection for Your Peace of Mind

GreenState is much more than a great place for your loans and deposits. We also offer insurance products through our wholly owned subsidiary, GreenState Insurance.

GreenState Insurance logo

Auto, Home, Life, AD&D, and Business Insurance

The professionals at GreenState Insurance will shop multiple carriers to find you the best value for your auto, home, life or business.

Request a Quote

Request a free, no-obligation quote for the type of insurance coverage that fits your needs.