Real Estate Loans

Bank 1st offers financing options for new purchases, home equity loans, construction loans and refinancing of your current home loan.

Low, long term fixed interest rates are available. We also offer balloon and adjustable rate mortgage (ARM) loans with low closing costs and competitive interest rates.

We have an experienced lending staff. You know the people you're dealing with and you know the bank you will be making your payments to.

*All loans are subject to approval

Home Equity Line of Credit (HELOC)

  • You'll be surprised how much equity you have in your home to consolidate debt, buy a vehicle or make some home improvements.
  • We can help you decide how much equity you have available and you can decide how to spend the money.

*All loans are subject to approval

Apply Today!

To apply for a real estate or HELOC loan, complete the Home Mortgage Loan Application**.

** Section X. Information for Government Monitoring Purposes should only be completed when requesting credit to purchase or refinance a dwelling occupied or to be occupied by the applicant as a principal residence, where the extension of credit will be secured by the dwelling.

This application is in an editable PDF format and can be completed online and printed.  Please bring the completed form with you to the bank. Applications cannot be submitted electronically.

Nationwide Mortgage Licensing

The Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (S.A.F.E. Act) requires the registration of mortgage loan originators (MLO's).  The registration is done through the Nationwide Mortgage Licensing System (NMLS).  Each MLO is given a unique identifying number (NMLS ID).

You can obtain information about our company and our mortgage loan originators by accessing the NMLS free consumer site at this link Nationwide Mortgage Licensing System

Institution Registration

Bank 1st
115 North Vine
West Union, Iowa 52175
NMLS # 795257

Mortgage Loan Originator

Rhonda Schaufenbuel

Senior Real Estate Loan Officer
Main Bank
(563) 422-3883
NMLS #796754

Derek Heins

Senior Commercial/Ag Loan Officer
Main Bank
(563) 422-3883
NMLS # 796757

Brian Reichter

Executive Vice President/Senior Loan Officer
Main Bank
(563) 422-3883
NMLS # 796756

Brent Tapper

Senior Ag/Commercial Loan Officer
Main Bank
(563) 422-3883
NMLS # 796758

Carolyn Breuer

Assistant Real Estate/Consumer Loan Officer
Main Bank
(563) 422-3883
NMLS # 1583556