Farmers and Merchants State Bank - Nationwide Branches

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Branch	Address	View Lobby Hours
Motor Branch	722 North First Street, Winterset, IA 50273	View Lobby Hours
Orient Branch	114 South Broad Street, Orient, IA 50858	View Lobby Hours
St Charles Branch	317 East Main Street, Saint Charles, IA 50240	View Lobby Hours
Farmers And Merchants State Bank	101 West Jefferson, Winterset, IA 50273	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2024

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 1025894	6.956%	6.875% 0.63 points $2,642 fees	$2,103	Learn More
NMLS ID: 1907	7.080%	7.000% 0.88 points $2,602 fees	$2,129	Learn More
NMLS ID: 3030	7.225%	7.125% 1.00 points $3,200 fees	$2,156	Learn More
NMLS ID: 491986		points fees		Learn More

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Featured - Home Equity Line Of Credit Rates 2024

Lender	APR (%)^?	Monthly Payment^?	Learn More
Third Federal Savings and Loan See Table	Intro APR 7.240 % After Intro: 7.240 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Achieve Loans See Table	Intro APR 10.625 % After Intro: 10.625 %	$0	Learn More More Info
All terms are estimates until underwriting is complete. Offer shown includes a .50% discount for automatic payment enrollment (autopay enrollment is not a condition of loan approval). 10, 15, 20, and 30-year terms available (20 and 30 year terms only available for cash out requests). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (2.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied and combined loan-to-value ratio may not exceed 80%, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. Offers are only valid in states where Achieve is licensed. Loans are not available to residents of all states and available loan terms and fees may vary by state where offered. Contact Achieve Loans for further details. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 640

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