Real Estate Loans & Refinancing

Our real estate lending department is ready to move when you are. We offer a variety of real estate loans that will put you in the home of your choice.

Call Robin Bratvold at (641) 355-2218 in Clear Lake, Chip Thiedeman at (641) 923-3621 in Garner, or Paula Zimmerman at (641) 423-0369 in Mason City for our competitive interest rates and other important information on the following real estate loans:

  • Standard residential real estate loans - short & long term options available!
  • Construction Loans
  • FHA Loans
  • RD Loans
  • VA Loans
  • IFA/First Time Loans

At Clear Lake Bank & Trust, you get the "Big Bank" products with a home bank advantage.

What documentation do I need when I apply for a home loan?

To expediate youryour real estate loan processing, it is suggested that you bring the following items with you:

  • Your two most recent pay stubs with year-to-date earnings.  If you have had more than one job this year, also bring your final pay stub from any previous employers.
  • Your two most recent years W-2s.
  • Your two most recent federal tax returns.
  • Your two most recent bank statements; if cash to close comes from another source, provide documentation of the source.
  • Your residence history for the last two years.  We need the name and address of the landlord and/or mortgage holder.
  • Your current loan and credit card information, including creditor name, address, and account number.
  • A list of your current assets and values (i.e. stocks, bonds, cash value of life insurance, etc.)
  • Any gift letters from relatives if any portion of the closing costs will be provided by someone other than yourself.
  • Construction contracts, plans, and specifications if applicable.
  • Any divorce decree/stipulatio if alimony, child support, or property settlement is involved (NOTICE:  alimony, child support, or separate mainteance income need not be revealed if you choose not to have it considered for repayment of the loan).
  • Your certificate of resident alien status or green card if applicable