Top 3 Mortgage Lenders in Montezuma

Hills Bank has been serving Iowa communities for over a century with deep roots in rural and small-town markets. While headquartered in Hills, they maintain a strong presence throughout central Iowa including Montezuma. Their mortgage team receives exceptional ratings for personalized service, competitive rural lending programs, and expertise with agricultural properties common in the Montezuma area. They offer specialized USDA loans perfect for the rural character of Montezuma and provide local underwriting decisions.

As Montezuma's local community bank, Peoples Savings Bank has the distinct advantage of being physically located in the community they serve. They understand the local real estate market intimately and have built strong relationships with area realtors and builders. Their mortgage team excels at personalized service and offers competitive rates with local decision-making. They specialize in rural property financing and construction loans, making them ideal for Montezuma residents and the surrounding agricultural community.

Guild Mortgage maintains a strong Iowa presence with dedicated loan officers serving rural communities like Montezuma. They receive high marks for their extensive loan product selection and competitive rates, particularly for government-backed loans including USDA programs that benefit Montezuma homebuyers. Their digital mortgage process is complemented by local expertise, and they have specific programs for first-time homebuyers that work well in moderate-income rural markets. Their long track record and national resources combined with local service make them a top choice.