Harlan, IA Mortgage Rates and Refinance Rates

Mortgages in Harlan, IA: Find the best Harlan, IA mortgage rates today from banks and credit unions. When results are displayed for mortgage rates in Harlan, 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 Harlan, IA. Another option is searching for Harlan, 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 Harlan, IA mortgage rates or refinance rates.

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Harlan, Iowa Conforming Mortgage Rates and Refinance Rates

Conforming home mortgage rates in Harlan, IA are the most popular type of mortgages rates you can find advertised for home buyers in Harlan, 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. Harlan, 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 Harlan, IA banks, mortgage companies and credit unions are able to resell home mortgage loans that they make. This process also makes Harlan, IA conforming mortgage rates and refi rates lower than Harlan, IA jumbo mortgage rates and jumbo refinance rates because the GSE's can’t purchase jumbo mortgages that are made by Harlan, IA home finance companies, credit unions and banks.

Jumbo Mortgage Rates and Refinance Rates in Harlan, Iowa

Jumbo mortgage rates in Harlan, 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 Harlan, IA and adjustable mortgage rates in Harlan, IA. Interest rates are higher because third party investors buy the home loans credit unions, banks and mortgage companies in Harlan, IA make.

Harlan, Iowa Fixed Mortgage Rates and Fixed Refinance Rates

Harlan, 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.

Harlan, Iowa Adjustable Mortgage Rates

Adjustable Harlan, 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 Harlan, 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 Harlan, IA. Most adjustable mortgages in Harlan, IA have yearly caps and life time maximum caps on how high the interest rate can fluctuate.



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Harlan FDIC Insured Banks

Bank Name

FDIC Cert Number

Address

Bank of the West

3514 712 Durant Street, Harlan, IA 51537

Farmers Trust & Savings Bank

8510 1901 Chatburn Avenue, Harlan, IA 51537

Midstates Bank, National Association

4465 812 Durant Street, Harlan, IA 51537

The Shelby County State Bank

1553 2010 23rd Street, Harlan, IA 51537

The Shelby County State Bank

1553 2104 12th Street, Harlan, IA 51537

The Shelby County State Bank

1553 508 Court Street, Harlan, IA 51537

United Bank of Iowa

958 1802 23rd Street, Harlan, IA 51537