Council Bluffs, IA Mortgage Rates and Refinance Rates

Mortgages in Council Bluffs, IA: Find the best Council Bluffs, IA mortgage rates today from banks and credit unions. When results are displayed for mortgage rates in Council Bluffs, IA, you can easily sort your search results by lender, rate, APR and points so you can easily compare results. Whether you’re looking for conforming, jumbo, adjustable or interest-only mortgage rates in Council Bluffs, IA. Another option is searching for Council Bluffs, IA refinance rates if you're looking to refinance a loan. Best of all you don't have to provide any personal information to see a list of Council Bluffs, IA mortgage rates or refinance rates.

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Council Bluffs, Iowa Conforming Mortgage Rates and Refinance Rates

Conforming home mortgage rates in Council Bluffs, IA are the most popular type of mortgages rates you can find advertised for home buyers in Council Bluffs, IA. Conforming mortgages, also known as conventional mortgages, are mortgages that meet certain criteria set out by Federal Housing Finance Agency (FHFA). There is a loan limit set for each county in the United States. Higher mortgage loan limits are set for high housing cost areas. Council Bluffs, IA mortgages that 'conform' to the standards set out by the Federal Housing Finance Agency can be purchased by government sponsored entities (GSE) like Freddie Mac and Fannie Mae. This process guarantees Council Bluffs, IA banks, mortgage companies and credit unions are able to resell home mortgage loans that they make. This process also makes Council Bluffs, IA conforming mortgage rates and refi rates lower than Council Bluffs, IA jumbo mortgage rates and jumbo refinance rates because the GSE's can’t purchase jumbo mortgages that are made by Council Bluffs, IA home finance companies, credit unions and banks.

Jumbo Mortgage Rates and Refinance Rates in Council Bluffs, Iowa

Jumbo mortgage rates in Council Bluffs, IA are advertised for home loans that have a dollar amount that is higher than conventional loan amounts. Jumbo mortgage rates and jumbo refinance rates are always higher than conventional mortgage rates for both fixed mortgage rates in Council Bluffs, IA and adjustable mortgage rates in Council Bluffs, IA. Interest rates are higher because third party investors buy the home loans credit unions, banks and mortgage companies in Council Bluffs, IA make.

Council Bluffs, Iowa Fixed Mortgage Rates and Fixed Refinance Rates

Council Bluffs, IA fixed rate mortgages are the most common mortgage available to borrowers. With a fixed mortgage the interest rate stays the same for the entire loan period. Fixed mortgages are available in 40 years, 30 years, 20 years, 15 years and 10 years. The longer the mortgage term the lower the monthly mortgage payment will be.

Council Bluffs, Iowa Adjustable Mortgage Rates

Adjustable Council Bluffs, IA mortgage rates are fixed for a period of time and then the mortgage rate adjusts every year after. The most common adjustable mortgages terms available in Council Bluffs, IA are 1 year, 3 year, 5year and 7 year. Adjustable rate mortgages are advertised as 1 year, 3/1, 5/1 and 7/1. Adjustable mortgages are available for conforming dollar amounts and jumbo dollar amounts in Council Bluffs, IA. Most adjustable mortgages in Council Bluffs, IA have yearly caps and life time maximum caps on how high the interest rate can fluctuate.



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Council Bluffs FDIC Insured Banks

Bank Name

FDIC Cert Number

Address

American National Bank

19300 1600 West Broadway, Council Bluffs, IA 51501

American National Bank

19300 201 Bennett Avenue, Council Bluffs, IA 51503

American National Bank

19300 333 West Broadway, Council Bluffs, IA 51503

Bank of the West

3514 531 30th Avenue, Council Bluffs, IA 51501

Carroll County State Bank

11771 117 Pearl Street, Council Bluffs, IA 51503

Carroll County State Bank

11771 1751 Madison Avenue, Council Bluffs, IA 51503

Carroll County State Bank

11771 1751 Madison Avenue, Suite 3004, Council Bluffs, IA 51503

First National Bank of Omaha

5452 3815 Denmark Drive, Council Bluffs, IA 51501

Frontier Savings Bank

35432 509 23rd Avenue, Council Bluffs, IA 51501

Frontier Savings Bank

35432 940 Valley View Drive, Council Bluffs, IA 51503

Great Western Bank

15289 1707 Madison Ave, Council Bluffs, IA 51503

Great Western Bank

15289 3201 West Broadway, Council Bluffs, IA 51501

Great Western Bank

15289 509 W. Broadway, Council Bluffs, IA 51503

Midstates Bank, National Association

4465 1851 Madison Avenue, Suite 17, Council Bluffs, IA 51503

Midstates Bank, National Association

4465 35 Main Place, Suite 50, Council Bluffs, IA 51503

Treynor State Bank

14812 1745 Madison Avenue, Council Bluffs, IA 51503

U.S. Bank National Association

6548 1745 Madison Avenue, Council Bluffs, IA 51503

U.S. Bank National Association

6548 2901 West Broadway, Council Bluffs, IA 51501

U.S. Bank National Association

6548 350 - 34th Avenue, Council Bluffs, IA 51501

U.S. Bank National Association

6548 421 West Broadway, Council Bluffs, IA 51503