Loans & Mortgages

Whatever you have in mind, from home improvements to bill consolidation, our personal loans work as hard as you do. Let us help you with fast answers and affordable monthly payments.

  • Personal Loans
  • Mortgage Loans
  • Mortgage Team

Vehicle Loans

Pioneer Bank offers lending programs to purchase or refinance a new or used vehicle including cars, trucks, pickups, sport utility vehicles, recreational vehicles, and more.

Personal Loans

When you need extra cash for whatever reason, a personal loan may be for you. Collateral for these loans can be Pioneer Bank certificates of deposit, real estate, or other personal property.

Home Equity Loans

Home Equity loans can be used for many purposes, including purchasing a new or used vehicle, college tuition, home improvement, debt consolidation, and more. Collateral for these loans can include a first or second lien on your primary or second home.
Contact a loan officer at any Pioneer Bank location to apply.

Home Equity Lines of Credit

†When you need extra cash, but donít need it all at once, a home equity line of credit (HELOC) may be the loan for you. Proceeds can be used for home improvement or a variety of other purposes, such as a vacation or college tuition. Collateral for these loans can include a first or second lien on your primary or second home.

For questions on the type of loan that fits your needs, contact a Loan Officer at any Pioneer Bank location.

There are many styles of home architecture and many ways to finance it. We are here to help you buy, build, or remodel the home of your dreams.

Conventional Fixed Rate Loans

With a fixed-rate home loan, our interest rate remains the same for the life of the loan. The payment is split into equal monthly payments for the duration of the loan.

Adjustable Rate Loans

The initial interest rate is fixed for a designated period of time. The interest rate may fluctuate throughout the remainder of the loan term.

FHA Loans

Loans insured by the government, offering lower down payment options and more lenient underwriting guidelines.

First-Time Home Buyers

Programs specifically designed to assist those buying for the first time, offering low down payments.

Construction Loans

Finance the construction of your new home.

Bridge Loans

Loans designed for those wanting to purchase a new home, by using equity in their current home to complete the purchase before selling.

Other Financing Options

Didn't find what you were looking for? Contact one of our experienced lenders for more information and options on how we can meet your unique loan request.

Buying a home is one of the most important purchases many people make in their lives. We'd like to help you make this purchase a reality. Our experienced mortgage team is ready to answer your questions and help you on the path to home ownership.

As a customer of Pioneer Bank, you receive the following services:

  • Free pre-qualification
  • Free rate quotes
  • Homebuyer seminars
  • Quick approval time
  • Local processing

Visit the Pioneer Bank Mortgage Center for competitive rates and terms.

Itís easy to apply for a Pioneer Bank Mortgage:
Contact a member of our Mortgage Team or visit the Pioneer Bank Mortgage Center to apply online 24 hours a day. You can also apply by: calling us at 712-244-5543 or 1-800-332-2396.
Victor Hendriks, Mortgage Center Manager -  NMLS# 663111
(712) 244-5543
(712) 259-1763
(712) 277-2545

15 years of real estate and mortgage lending experience
Doris Severson, Mortgage Processor
(712) 244-5556
(712) 277-2545

19 years of mortgage processing and closing experience