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Wheatland, IA

The Best Mortgage Lenders in Wheatland, IA

Compare verified mortgage lenders serving Wheatland, Iowa. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.

3
Top Lenders
4.8
Avg Rating
416+
Reviews
16
Loan Types

Available Loan Programs in Wheatland

Fixed-rate mortgages
Adjustable-rate mortgages
FHA loans
VA loans
USDA loans
Jumbo loans
Construction loans
Refinancing
Conventional mortgages
USDA rural loans
Construction-to-permanent loans
Lot loans
Home equity loans
Conventional loans
First-time homebuyer programs
Investment property loans

Featured Mortgage Lenders

1

Mortgage Services Team

Dupaco Community Credit Union

★★★★☆
4.8/5

Dupaco Community Credit Union stands out as one of eastern Iowa's most trusted mortgage lenders with an exceptional 4.8 rating. While headquartered in Dubuque, they have a strong presence throughout eastern Iowa including service to Wheatland through their DeWitt branch. With over 75 years of financial service experience, they offer comprehensive mortgage solutions with personalized local service. Their mortgage team receives consistently outstanding reviews for competitive rates, transparent communication, and guiding borrowers through the entire process. As a member-owned cooperative, they prioritize member satisfaction over profits, resulting in highly competitive rates and fees.

Experience:75 years
Reviews:185 customer reviews
1109 11th Street, DeWitt, IA 52742

Loan Types:

Fixed-rate mortgagesAdjustable-rate mortgagesFHA loansVA loansUSDA loansJumbo loansConstruction loansRefinancing
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2

Mortgage Department

Hills Bank and Trust Company

★★★★☆
4.7/5

Hills Bank and Trust Company has been serving eastern Iowa communities for over 85 years with an excellent 4.7 customer rating. They have extensive experience serving rural communities like Wheatland and understand the unique needs of Iowa homebuyers. Their mortgage specialists are praised for their local knowledge, responsiveness, and ability to navigate complex loan scenarios. The bank offers particularly strong USDA rural development loan programs ideal for Wheatland area properties. With deep roots in the region and a commitment to community banking principles, they provide both competitive national rates and local decision-making authority.

Experience:85 years
Reviews:142 customer reviews
131 Main Street, Hills, IA 52235

Loan Types:

Conventional mortgagesFHA loansVA loansUSDA rural loansConstruction-to-permanent loansLot loansHome equity loansRefinancing
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3

Mortgage Lending Team

Iowa Mortgage Specialists

★★★★☆
4.9/5

Iowa Mortgage Specialists maintains an exceptional 4.9 rating as one of eastern Iowa's highest-rated mortgage brokerage firms. With 25 years of specialized experience, they serve the entire eastern Iowa region including Wheatland. As mortgage brokers, they have access to multiple lenders and can shop rates on behalf of borrowers to secure optimal terms. Customers consistently praise their expertise with Iowa-specific programs, attention to detail, and ability to close loans efficiently. Their team of dedicated mortgage professionals focuses exclusively on home loans, providing specialized knowledge that general bank lenders often cannot match.

Experience:25 years
Reviews:89 customer reviews
115 3rd Street SE, Cedar Rapids, IA 52401

Loan Types:

Conventional loansFHA loansVA loansUSDA loansFirst-time homebuyer programsJumbo loansInvestment property loansRefinancing
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Frequently Asked Questions

Common questions about mortgage lending in Wheatland, IA

Are there any first-time homebuyer programs specifically available in Wheatland, Iowa?

Yes, the Iowa Finance Authority offers several programs like the FirstHome and FirstHome Plus programs, which provide affordable 30-year fixed-rate mortgages and down payment assistance. These programs are particularly beneficial in communities like Wheatland where median home prices are accessible. Local lenders in Clinton County are well-versed in these state-wide programs and can help you apply.

How do property taxes in Wheatland, Iowa affect my mortgage payments?

Clinton County, where Wheatland is located, has property tax rates that are competitive within the region, typically around 1.3% to 1.5% of assessed value. Your lender will calculate these taxes into your monthly escrow payment, which is important to budget for since it directly impacts your total monthly mortgage cost. It's advisable to get a precise tax estimate for any property you're considering.

What are typical mortgage interest rates for homebuyers in Wheatland?

Mortgage rates in Wheatland generally align with national averages but can vary based on your credit profile and loan type. As of recent trends, rates for a 30-year fixed mortgage in this area often range from the mid-6% to low-7% APR. Working with a local credit union or bank can sometimes provide more personalized rate options.

Are USDA loans a good option for buying a home in Wheatland, IA?

Absolutely. Wheatland's rural designation makes most of the area eligible for USDA loans, which offer 100% financing with no down payment. This is a popular choice for qualified buyers looking in Clinton County due to the attractive terms and the area's eligibility. You'll need to meet income limits, which are generous for this region.

How does Wheatland's housing market impact my mortgage pre-approval amount?

With Wheatland's relatively stable and affordable housing market, your pre-approval amount will likely go further compared to larger Iowa cities. Median home prices here are often below the state average, meaning you may qualify for a mortgage that covers a comfortable home. A local lender can assess market-specific factors to give you an accurate pre-approval.

Nearby Cities

Explore mortgage lenders in cities near Wheatland, IA

Why Choose a Mortgage Lender in Wheatland?

Local Market Knowledge

Lenders who understand Wheatland's housing market can offer better guidance and competitive rates.

Multiple Loan Options

Access to conventional, FHA, VA, USDA, and jumbo loans tailored to your financial situation.

Proven Track Record

Work with lenders who have years of experience and hundreds of satisfied customers in Iowa.

Ready to Find Your Perfect Mortgage Lender?

Connect with top-rated mortgage professionals in Wheatland and get competitive rates on your home loan.