Due to construction, the drive up window at our West Des Moines location will be closed from Saturday, April 19th through Tuesday, April 22nd.

Our ATM and Live Banker service will be available by walk-up only
During this time, the lobby will be open regular business hours

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New Podcast!

Our new podcast "What to Expect as a First-Time Homebuyer," offers valuable insights for individuals embarking on their homeownership journey. This episode provides guidance to first-time buyers on the homebuying process!

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Small Business Week

We're committed to supporting their success every step of the way. Join us this week as we celebrate the entrepreneurs, innovators and dreamers who make our communities thrive. Visit, shop, or buy from your favorite small businesses.

Celebrate With Us!
- Afton
- Algona
- Ames
- Ankeny
- Arnolds Park
- Creston
- Estherville
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- Humboldt
- La Vista, NE
- Le Mars
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- West Des Moines

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Income Based Financing

Buying your new home might be easier than you think!

Income Based Programs

Our specialized mortgage programs provide flexible terms and lower payment options to fit your financial situation.

Reaching your homeownership goaIs is possible with Northwest Bank.

These programs provide flexible terms and lower payment options to fit your financial situation and help make homeownership more accessible.

It's always a good idea to get pre-qualified.

Apply online today, for a commitment-free, no-fee obligation and we'll help you determine your maximum purchase price. It's important to know this number before looking for a home in your price range.

Ready to become a homeowner? Let’s make it happen together.

Contact a Mortgage Banker Get Pre-Qualified. Apply Online

Dreaming of homeownership but worried about your income level?

Take comfort. We are truly committed to making homeownership dreams a reality and offering financing options to help home buyers who would otherwise qualify for a mortgage but may not have the resources for a larger down payment.

low to moderate-income

Home Possible Advantage

Home Possible Advantage^SM mortgage is designed for low to moderate-income homebuyers and offers financing for as low as 3% down. It is great for first-time home buyers.

IFA

Homes for Iowans

The Iowa Finance Authority (IFA) offers this program which provides borrowers with $2,500 for down payment and closing costs assistance to eligible first-time and repeat home buyers who are purchasing a primary residence in Iowa and meet household income and purchase price requirements. Optional grant or $5000 second mortgage with no monthly repayment.

IFA

First time Homebuyer Program

Financing option with a down payment as low as 3%. This will save significant money up front and throughout the years to come. Optional $2500 grant or $5000 second mortgage with no monthly repayment to assist with down payment and closing costs.

Home Financing

Low Down Payment Program (LMI)

Lower Down Payment Financing Options. The down payment can be used with approved grant funds and gifts for down payment assistance.
Income Restrictions Apply. To qualify for the Low-Down Payment Loan, your income cannot exceed 80% of the median family income of the purchase property. Send us a message and we'll can get you started on the best loan product for you as well as help determine if you qualify for our Low, Down Payment Loan.
Special Underwriting Terms for Lower Credit Scores. You must have a minimum credit score of 640.
Allowed for Primary Residences with a Long-Term Adjustable-Rate Mortgage Loan. The interest rate on this loan product is variable and may change based on an interest rate index.

First Time Homebuyer Savings Account
- Available for Qualifying Iowa Residents Towards the Purchase of a First Home
- Tax Benefits
- Earns Interest
- Deposit Money At Any Time - No Maximum Balance Amount
- $1 Minimum Balance to Open
Open Now! View Details
Let Us Watch Mortgage Rates For You

Sign-Up For Rate Watch

Are you interested in refinancing or purchasing a new home, but not sure if it is the right time? Sign-up for our Rate Watch and let us deliver the rates directly to your inbox.

Get Rates Delivered

Front Door Of A New Home

Try Our Mortgage Calculator

Buying a home is a big decision—make it easier with the right tools.

Take the guesswork out of home buying with our easy-to-use Mortgage Calculator. Whether you’re buying your first home, upgrading, or looking for a rural property, our tool helps you estimate payments and explore your options.

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Credit Sense

Staying On Top Of Your Credit Has Never Been Easier.

Want to keep an eye on your credit score and get personalized tips for improvement? With Credit Sense, you can monitor your credit anytime—for FREE! Access your credit score* and report in your Online and Mobile Banking.

Keeping Your Credit In Check

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