Did you receive a notice via email, text or a phone call implying that a debit will be occuring to your account? If you are not expecting the charge, call Union State Bank at 515-462-2161 before using any contact information provided in the notice. We will be able to confirm if the charge is in fact deducting from your account. Never give your bank information, online or mobile app credentials or access to your computer or phone to anyone. Especially unverified contact information in an email, text or phone call. If you are asked for this information hang up and call us. Place your TRUST in USB, Your Hometown Financial Advantage!
mortgage

Mortgage

USB offers many options to help you buy your next home or refinance your existing home. Maybe you have just enough money for a small down payment, want to save some money with a better rate, or you just want to explore the possibilities! USB is committed to helping your dream come true with quality service and competitive interest rates.

APR, Rate and payment information accurate as of July 22, 2024.

                       15 YEAR        20 YEAR       30 YEAR
        APR:        6.574%          7.288%          6.747%
      RATE:        6.375%          7.125%          6.625%

       PMT:      $1,728.50      $1,565.64       $1,280.62

* 15, 20  & 30 Year Conventional Rates - The Annual Percentage Rate (APR) is based on a loan amount of $200,000.00 with a 20% down payment, a 1% origination fee and common and customary closing costs. Monthly payments for a 15 year loan at 6.375% would be 180 payments of $1,728.50 (principal and interest). Monthly payments for a 20 year loan at 7.125% would be 240 payments of $1,565.64 (principal and interest). Monthly payments for a 30 year loan at 6.625% would be 360 payments of $1,280.62 (principal and interest). Rates are not guaranteed until lock-in. Monthly payment does not include taxes and insurance; actual payment will be greater.

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MORTGAGE RATE RELIEF PROGRAM (Household income is limited to qualify!)                                                                                           

                       30 YEAR
        APR:        4.864%
      RATE:        4.75%

            PMT:  $834.64

 * 30 Year Conventional Rate - The Annual Percentage Rate (APR) is based on a loan amount of $160,000.00 with a 20% down payment, a 1% origination fee and common and customary closing costs. Monthly payments for a 30 year loan at 4.75% would be 360 payments of $834.64 (principal and interest).  Mortgage Rate Relief Program loans must be funded by 12-31-2024 and funds for this program may be exhausted prior to 12-31-2024.  Rates are not guaranteed until lock-in. Monthly payment does not include taxes and insurance; actual payment will be greater.       

 Per SAFE Act (Secure & Fair Enforcement for Mortgage Licensing Act), Union State Bank's MLO (Mortgage Loan Originator) Indentifier Numbers are as follows:

Contact

WINTERSET WEST DES MOINES

Jeffrey J Nolan, President & CEO
                           NMLS #852704

Jeffrey J Gray, Senior VP & Loan Officer
                         NMLS #413222

Charles D Gordon, VP & Loan Officer
                                NMLS #471740

Matthew T Olson, VP & Loan Officer
                              NMLS #1519708

 Union State Bank  NMLS #435185

Christopher A Coy, VP & Commercial Loan Officer 
                                NMLS #1472318

Lucas G Nolan, AVP & Mortgage Loan Officer
                           NMLS #2504741