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First Home? New Home? Dream Home?

Whatever stage you're at in life, we have money to lend to make your dreams come true.

Mortgage Loans

Successful Homeownership Begins With Responsible Lending.

At American Bank and Trust Company, we want our clients to be successful homeowners.



We want them to feel the pride of turning a house into a home where they can raise their family and create a lifetime of memories. We want them to feel confident knowing that they have selected the mortgage loan that is just right for them. The first step to helping our clients achieve successful homeownership is responsible lending. We give our clients the opportunity to make clear, informed decisions about their mortgage loan, with no hidden fees and no surprises.


This philosophy has set us apart in the mortgage industry for over 40 years, and it is our commitment to you…that you will be 100% satisfied with your mortgage experience with us.


Our Goal: To make Home Ownership as Simple & Affordable as Possible

Buying a home is always a special occasion. Our goal is to make the experience as easy, affordable, rewarding and enjoyable as possible. We have programs available to assist every client, regardless of credit. Whether it’s your first home, a new home or your dream home, our Mortgage Consultants are available and ready to assist you with an honest, straight-forward and smart home loan strategy that’s designed to save you time, money and make your life less stressful.


Expert Advice. Extraordinary Service.

Whether short or long term, fixed or adjustable rate financing, our Mortgage Consultants will help you achieve the loan type and payment that fits your budget and lifestyle. Rather than sell you an off the shelf product, with a “one-size-fits-all” approach, we take the time to meet with you and custom tailor a solution to your specific situation. Our home buyers assistance provides pre-qualification and pre-approval services, so you know exactly how much home you can comfortably afford before you start shopping.


Complimentary Annual Mortgage Review

Because life changes and your home is one of the largest assets that you will own and manage, let us help you prepare for whatever challenges lie ahead with our Complimentary Annual Mortgage Review program. At your convenience, you can meet with one of our Mortgage Consultants once each year to discuss what is happening in your life…a career change, family addition, job relocation, unexpected illness, wedding, college education, remodeling project, etc., and devise a common sense strategy to help pay for it. In many instances, your mortgage and the equity in your home is a great place to find extra cash flow and the benefits may be tax deductible (consult your tax advisor for specific details).


Mortgage Under Management™ Program

Your home is one of the most valuable assets that you will own. Are you prepared to manage it correctly? Our Mortgage Consultants are available to help with our Mortgage Under Management program. With this unique offering, one of our qualified associates will monitor your loan & market conditions while maintaining regular contact with you to make certain that your mortgage always makes sense, both personally and economically. It’s the ultimate peace of mind, and…it’s Free!


We offer:


  • Ability to provide same day approvals
  • Pre-qualification services
  • Competitive closing costs
  • Easy refinance to a lower monthly payment or to cash-out
  • Second home and investment property loans
  • Fixed or adjustable rate mortgages
  • Complimentary Annual Mortgage Review program
  • Mortgage Under Management™ Program


Talk with a Mortgage Consultant today and get pre-qualified. With a pre-qualification, you know exactly how much you can afford before you start looking for your perfect home. You can negotiate the purchase of your new home with confidence when you present the seller with proof that you qualify for financing.


You will be able to achieve your home ownership dreams, thanks to affordable, homebuyer programs from American Bank and Trust Company. From lower down payments to flexible financing options, terms and lending criteria, our loan professionals can draw on a number of tools to help you get into your new home including:


  • Federal Home Loan Mortgage Corporation (the Freddie Mac Foundation)
  • Federal National Mortgage Association (the Fannie Mae Foundation)
  • Iowa Mortgage Credit Certificate Program
  • Iowa Finance Authority (IFA's) First-time Home Buyers Program
  • IFA's Down Payment/closing Cost Grant Program
  • Illinois Housing Development Authority Program (IHDA)
  • New Construction Loans
  • Bridge Loans
  • Ameridream(r) Downpayment Gift Program
  • Downpayment Plus(r) Affordable Housing Program


To inquire about an American Bank and Trust Company mortgage loan, simply call any of our convenient locations to speak with a mortgage loan specialist or contact us online.