Des Moines Conventional Mortgage Programs

Rates effective as of January 22, 2019.

Des Moines Conventional Mortgage Programs

ProgramFee (Point)Interest RateAPR*
30-Yr Fixed 0 Points (ST) 4.250% 4.348%
30-Yr Fixed 0 Points (SL) 4.359% 4.444%
20-Yr Fixed 0 Points (ST) 4.125% 4.259%
20-Yr Fixed 0 Points (SL) 4.209% 4.325%
15-Yr Fixed 0 Points (ST) 3.750% 3.846%
15-Yr Fixed 0 Points (SL) 3.809% 3.882%
7/23 Balloon 0 Points (ST) by quote by quote
7/23 Balloon 0 Points (SL) by quote by quote
5/25 Balloon 0 Points (ST) by quote by quote
5/25 Balloon 0 Points (SL) by quote by quote

  • * Annual Percentage Rate
  • American Trust is an equal housing lender.
  • All rates quoted are subject to change. Variable rates may increase or decrease after consummation.
  • ST = Servicing Transferred (Must make four payments to refinance.) SL = Serviced Locally
  • American Trust lends only to customers who reside within a 100-mile radius of Des Moines.
  • Rates quoted (except First Time Home Buyer) are based upon a $110,000 loan with a 20% down payment, and a 30-year term.
  • Quoted interest rates are subject to meeting certain credit standards. Please contact one of our loan originators to determine if you qualify for the quoted interest rate.
  • Long term fixed rate mortgages are not available on manufactured homes.