Mortgage Loans
Buying or refinancing is a major financial decision. We're here to simplify the process.
Still deciding? Why choose us?
- Low closing costs.
- Grant opportunities for qualified borrowers.
- Local servicing.
- Jumbo loans available.
Contact a lender for details on grants and jumbo loan program guidelines.
Find the Right Home Loan with Clear Lake Bank & Trust
Buying a home is a big step, and Clear Lake Bank & Trust simplifies the process with home loans featuring competitive rates, flexible terms, and personalized service. Serving Clear Lake, Mason City, and Garner, IA, we provide expert financial planning for a home loan to help you make the best decision for your future.
Whether you're a first-time homebuyer or refinancing, we’re here to guide you every step of the way.
Contact us today or explore our mortgage options online for a seamless home financing experience!
Meet Our Real Estate Team
Cheryl Kurtzleben
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Kevin Hennessy
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Brigitte Wilkins
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Home Ready Mortgage
- Down payment as low as 3%
- Lower mortgage insurance premiums
Government Loans
- FHA: Available with as little as 3.5% down
- VA: 100% financing available
- Rural Development/USDA: 100% financing available
- IFA grant opportunities
Jumbo Loans
- For borrowers with higher loan amount needs
- Competitive pricing available
For Borrowers with Low Credit
- In-house loan options
- Government loan options with minimum 620-640 credit score
Construction Loans
- Competitive, in-house rates available
- Streamlined processing for contractor payments
Home Equity Loans
- Fixed home equity loans
- Home equity lines of credit
Go for your dream home!
Turn your dream home into a reality with our bank's home loan. We offer competitive rates, flexible terms, and a quick, easy application process. Let us help you every step of the way - apply today and start the journey to homeownership!
