Buying a home can be a confusing process. At Hiawatha National Bank, we believe financing it shouldn’t be. Whatever your situation, our local mortgage lenders can help you choose the right loan program for you.

We offer a variety of mortgage programs so you can find the loan program that works best for your unique situation.

 Conventional Fixed Rate

If you’re looking for a set monthly mortgage payment, a Conventional Fixed Rate Mortgage may be right for you.

Conventional Fixed Rate Mortgage loans mean that your loan’s interest rate is locked for the life of the loan. Whether you choose a 10 to 30-year fixed rate mortgage, you’ll always know the cost of your monthly payment.

With a Conventional Fixed Rate Loan, homebuyers may finance up to 95%* of their home purchase, or finance 80% without mortgage insurance. These attractive fixed rate programs may be available for your primary residence or your year-round second home. Fixed rate mortgages are also available on investment properties.

*Subject to credit approval.

Conventional Adjustable Rate

If you’re looking for a low initial monthly payment and are willing to accept the uncertainty of future rates and payments, an ARM may be right for you.

Adjustable-rate mortgages typically offer a lower initial interest rate than fixed-rate loans. That’s because the loan’s initial interest rate is only fixed for a set period of time. After that, the rate will adjust periodically, and so will your monthly mortgage payment.

VA Loans

Federal loans specially designed for our nation’s veterans.

The Federal V.A. Loan program offers veterans many benefits, including 100% financing and reduced down payments as determined by V.A. eligibility.


Building a new home can be an overwhelming process and confusing as to where to start.  By working with a Mortgage Professional from Hiawatha National Bank, the mortgage process is simplified with our one-time-close option.  Our construction-to-permanent loan program offer interest-only payments for six months, then converts to a mortgage - saving you time and money.



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