At Security National Bank, we put thoughtful care and attention into helping you find your place. Because at the end of the day, we understand that home matters.
Buying a home is one of the most important decisions you’ll ever make, which is why our local mortgage lenders treat even the smallest details with thoughtful care and attention. Whether you’re buying, building or refinancing in the Sioux City or Northwest Iowa area, our mortgage rates are always competitive and our service is second-to-none. Just what you’d expect from your friendly, hometown bank!
Our mortgage lenders are experts when it comes to finding the right loan for you:
Conventional Fixed Rate Home Loans
With a fixed rate home loan, your interest rate remains the same for the life of the loan. The payment is split into equal monthly payments for the duration of the mortgage.
To learn about our current fixed mortgage rates, contact our home loan experts:
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Conventional Adjustable Rate Mortgage
An Adjustable Rate Mortgage (ARM) loan generally offers a lower initial rate, fixed for a designated period of time (10 years, for example). After the designated time period is up, the interest rate may fluctuate throughout the remainder of the home loan.
To learn about our current adjustable mortgage loan rates, contact our lending experts:
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Jumbo Mortgage Loans
We provide fixed and adjustable rate jumbo mortgage options, if you plan on borrowing in excess of the conforming loan limit (set at $647,200 in 2022).
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FHA Home Loan
What is an FHA Home Loan?
An FHA home loan (insured by the Federal Housing Administration) allows for a lower down payment and credit score than other traditional mortgage loans. Only an FHA-approved lender like Security National Bank can issue this type of mortgage.
To find out if you qualify, contact our home loan experts:
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VA Loan
What is a VA Mortgage?
A VA home loan is a type of mortgage backed by the U.S. Department of Veterans Affairs. It allows for zero or low down payment and no private mortgage insurance (PMI), along with other benefits for veterans, current service members and surviving spouses.
For more information on our current rates and other VA home loan benefits, contact our lending experts:
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First-Time Home Buyer
Are you a first time home buyer? We have programs designed specifically to help people who are buying a house for the first time. They feature low down payments, grant funds exploration, tax credits and subsidized interest rates; not to mention our caring experts will be here every step of the way, helping you through the entire mortgage process.
For more information on first time home buyer rates, contact our lending professionals:
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Construction Loans
Building a home? Close once, not twice.
When you build a home, most lenders make you take out two loans - one for construction, and another for the permanent loan. Not at Security National Bank!
Combine your lot, construction and permanent loan into a single, all-in-one mortgage. That means you only close once, saving you time and money.
Learn more at CloseOnce.com »
Bridge Loans
Moving from one home to another? A bridge loan allows you to purchase a new home using the equity in your current one, so you can complete the purchase before selling.
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Physician's Loans
If you're a physician, dentist or other medical professional, you have unique needs when buying or building a new home. We're here to help.
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Lower your mortgage rate or monthly payment, pay off your home sooner or get a lump sum of money to use for something else. See if you qualify for mortgage & home loan refinancing »