Mortgage Loans
No matter where you are in the homebuying process, you can find a mortgage that fits your goals. If you’re ready, you can start a no cost, no obligation pre-approval online anytime. If you’d rather talk it through first, we’re here to help.
Prefer a conversation? Schedule time with a mortgage loan originator.
Schedule an appointmentReview today’s mortgage rates and decide whether pre-approval makes sense for you.
View ratesNot sure where to start? No worries, read more about mortgage options and the process.
Get started with pre-approval
- What it is:
Pre-approval is a quick review of your finances so you know what you may be able to borrow before you shop for a home. - Why it matters:
It helps you set a realistic budget and can strengthen your offer when you find the right home. - What to do next:
Start online or schedule an appointment to discuss your options.
Choose your next step
Use the option that fits where you are today.
Conventional fixed-rate mortgages
A fixed rate and predictable monthly principal and interest for the life of the loan. Good if you want steady payments and long term predictability.
Adjustable-rate mortgages (ARMs)
A lower starting rate that can change after the initial fixed period. A fit if you plan to move or refinance before the rate adjusts.
Veterans Affairs (VA) loans
Loans for eligible service members, veterans and surviving spouses with helpful terms based on eligibility.
Construction loans
Financing to cover building costs and convert to long term financing at completion.
Jumbo mortgages
Options for loan amounts above conventional limits. We’ll explain qualification details and down payment expectations.
Iowa Finance Authority (IFA) and Nebraska Investment Finance Authority (NIFA)
Programs that can support eligible homebuyers with education and potential assistance.
10 & Done loan
A shorter term option designed to help you pay off your home faster and reduce total interest over time.
What to expect when you get a mortgage
The process is straight forward, and we'll keep you updated along the way.
- Get pre-approved so you can shop with a clear budget.
- Find a home and make an offer with your pre-approval in hand.
- Complete your application and choose your mortgage terms.
- We verify details (income, assets, appraisal and more).
- Close and get your keys once everything is finalized.
You won’t be left guessing.
We’ll share updates as your loan moves forward, and you can reach out anytime you have questions.
Talk with a mortgage loan originator
Buying a home comes with a lot of decisions. You don’t have to make them alone. Our mortgage team will help you understand your options, stay on top of timelines and feel confident about your next step.
What you can expect:
- Clear answers in plain language
- Regular updates as your loan moves forward
- Support by phone, email or appointment when you need it
Get homebuying tips in your inbox
Want a little guidance as you shop? Sign up for a short email series with practical tips—how pre-approval works, what to budget for at closing and what to expect during the mortgage process.
Learn more before you apply
Tools and resources that make the process easier.
Home and mortgage calculators
Estimate payments, compare scenarios and run the numbers before you decide.
Mortgage checklist
Know what to gather for your first conversation and keep the process moving.
Credit score monitoring (SavvyMoney)
Videos for first time buyers
New to homebuying? Short videos walk through the steps from pre-approval to closing.
Mortgage FAQs
Pre-approval reviews your finances to estimate how much you may be able to borrow. It helps you shop with a clear budget and can strengthen your offer.
You can start a no cost, no obligation pre-approval online.
Timing varies with documents, but starting online helps you begin right away. If you want help, schedule an appointment and we’ll walk through what you need.
Most applications require proof of income, assets and employment, plus identification. Our checklist makes it easier.
We can offer first mortgages on properties in Iowa and surrounding states: Illinois, Minnesota, Missouri, Nebraska, South Dakota and Wisconsin.
What our members are saying
Real experiences from people who’ve worked with our mortgage team.
"It was by far the easiest loan application process I have ever been through."
"The loan officer at Veridian was with me all the way and kept in communication with me answering my questions throughout the process."
"The mortgage officer I worked with was great and the app made it easy to upload required documents."