Mortgage Home Loans | GreenState Credit Union

Home Loans

GreenState Credit Union is the #1 home loan lender in Iowa¹.

That’s because we offer low fixed rates, low fees, and up to 100% financing, and local processing and underwriting. Whether purchasing, refinancing, or constructing a new home, our experienced professionals are here to assist you.

You can reach our mortgage department at 877-527-3510

Lender Directory
Select a lender to get started.

What makes GreenState the #1 choice¹ 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.

Mortgage Calculators

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

Mortgage Qualification
The mortgage qualifier calculator walks you through the steps for determining how much you can borrow for a home loan.

Mortgage Loan Payment
Determine your monthly payment and generate an amortization schedule for a mortgage.

Mortgage Refinance
Find out how long it will take to break even on a mortgage refinance and if refinancing is a good financial decision for you.

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 &
Adjustable-Rate Loans

GreenState offers fixed-rate and adjustable-rate mortgage loans through several vendors so we can lock in the lowest rate possible for you. We even have programs for first time homebuyers.”

Learn More: Fixed-Rate Loans

Learn More: Adjustable-Rate Mortgages

Find the mortgage that's right for you.

Fixed Rate Mortgage

Adjustable Rate Mortgage

Fixed Rate Mortgage

Adjustable Rate Mortgage

Main benefit

Locked rate and consistent payment for duration of loan.

Lower starting rate. Rate can change after initial fixed term.

Fixed Rate Mortgage

Adjustable Rate Mortgage

A good choice if...

You live in your house for 10 or more years

You plan to move or relocate in the future.

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.