Home Mortgage

We offer a wide range of mortgages to choose from, whether you are purchasing or refinancing a home. At Zaynab United Bank, we also provide you with competitive rates and personal assistance each step of the way, from the day you apply to the day you close.

Loan Programs

First Time Home Buyer

When you are ready to purchase your first home, let your neighbors at Zaynab United Bank guide you through the loan process and expertly explain every aspect of owning your first home. From principal amounts to interest rates, our loan experts can answer any questions you have while you are financing your first home.

Guaranteed Rural Housing

Achieve your dream of owning your rural home with a Guaranteed Rural Housing loan. This loan gives individuals the assets to not only purchase a home, but also have the funds to safely and securely repair or rebuild a rural home they will be proud to call their own.

Rural Living

No matter if you are refinancing your current country home or are looking to buy your first rural home, Zaynab United Bank understands the benefits of country living and has options to fit all your needs. A rural living loan will help you develop your property and further enjoy the advantages of spacious, country living.

Loan Types

Home Purchase
First Time Home Buyers
Home Refinance
Cash-Out Refinance
Home Construction
Short Term Bridge Loans

Learn more about Home Loans

Home Equity

The equity in your home can be used to fund home improvements, college expenses, large personal purchases, or to consolidate debt. We offer a variety of fixed and adjustable rate home equity loans and lines of credit. Some of these loans might also offer a tax advantage for you.

Loan Types

Home Equity Closed End
Home Equity Open End

Apply Now

Personal Lending

Our personal lending services are designed to help you feel confident reaching your goals. Whether you are renovating your home, buying a new car, or planning a dream vacation, we will help you find the financial solution to make it happen.

Loan Types

Home
Auto and Recreational Vehicles
CD Loans
Unsecured Loans

Download Our Consumer Loan Application

Agricultural Lending

Many of our agricultural lenders grew up on the farm and still enjoy farming interests today. Our team has knowledgeable, hard working lenders that are excited about serving agriculture customers, and we want to be part of your team so you can achieve optimum success. Local ownership, local knowledge, and local decisions are how we achieve this success together.

Loan Programs

Farm Service Agency

The Farm Service Agency (FSA) is a division of the U.S. Department of Agriculture and assists all farmers, ranchers, and agricultural partners. Loans through the FSA offer financial solutions for those looking to establish, further improve, or expand their ranch or farm.

Beginning Farmer

This loan program is offered through the FSA for a designated “beginner farmer”

Iowa Agricultural Development Division

Iowa Agricultural Development Division (IADD), formally known as the Iowa Ag Development Authority, is geared towards beginning farmers to help with initial expenses and opportunities for growth

Small Business Administration

The U.S. Small Business Administration’s (SBA) loan program is designed to help small business owners

Loan Types

Operating Loans
Livestock Loans
Machinery and Equipment Loans
Real Estate Loans
Farm Service Agency (FSA) Guaranteed Loan Programs
Iowa Agriculture Development Division (IADD) Beginning Farmer Loans

Get started with Agricultural Lending

Contact Us

Commercial Lending

With local decision-making and our solution-driven approach sets us apart from other banks. The Zaynab United Bank team of lenders understand your specific needs and develop strategies to help your current and future endeavors succeed.

Loan Programs

Small Business Administration

The U.S Small Business Administration (SBA) Loan Program offers many loan options designed to assist your small businesses with your unique needs. The SBA is an independent agency of the federal government established to counsel, assist, and protect the specific interests of small businesses.

US Department of Agriculture

The United States Department of Agriculture Loan Program (USDA) was created to encourage the further development or rural communities and is committed to growing these areas sustainably and responsibly.