State Savings Bank

Home Mortgage

Photo of a beautiful home that could be yours with a home mortgage.Buying a home is exciting, and no matter if it is your first home or next home, the excitement can be mixed with fear of the mortgage process and the worry that something is going to go wrong. We understand this struggle and have employees in Baxter and West Des Moines to help you with our First-time Homebuyer Savings Accounts, home mortgage services, and home construction loans.

State Savings Bank has a variety of options for consumers looking to purchase or refinance their mortgage. Read on to learn about our approach to working with customers, meet our mortgage experts, check out our financial calculators for an estimate of monthly payments, closing costs, etc., and take a look at our SSB Home Buying Timeline.

The SSB Difference

When you do business with us, we start with you! Every person and every circumstance is different and so we start by listening to you and understanding your goals so that we can offer guidance, advice and solutions that fit your specific needs. Our staff is experienced, knowledgeable and available to answer your financial questions.

First-time Homebuyers

If you've never owned a home, you probably have lots of questions. We've put together a First-time Homebuyer Guide just for you to help you understand everything from the terminology lenders use to the mortgage application and closing processes.   

If you are a first-time homebuyer or are interested in helping someone you know save for a first home, click here to learn about our tax-advantaged First-time Homebuyer Savings Account.

Get to Know our Home Mortgage Staff

West Des Moines  515-457-9533

Photo of loan officer, Aaron Spooner.

Aaron Spooner

Loan Officer
NMLS #1265467
West Des Moines, IA

Aaron is a graduate of  AIB College of Business in Des Moines and has been with State Savings Bank for eight years. Aaron has experience in both the Mortgage and Operations departments works with customers to give them the best banking experience possible - from start to finish.

In his spare time, you will find Aaron spending time at the local dog park with his Golden Retriever or cheering on his favorite sports teams. Aaron serves on the Rotary Club of Waukee Board and has attended the IBA Consumer Credit School, as well as, the Graduate School of Banking at the University of Wisconsin - Madison.

Photo of loan officer, Ryan Newton.Jenni Pierce

Loan Officer
NMLS #1261675
West Des Moines, IA

A finance graduate of Iowa State University, Jenni has over 18 years of retail and commercial banking experience. Her goal is to educate clients on the purchase and/or construction loan process so they can be confident current and future home buyers! 

Jenni is an active member of PWB (Professional Women in Building), CREW Iowa (Commercial Real Estate Women), a board member of the Waukee Leadership Institute and a member of the Iowa Central Iowa Chapter of the American Business Women’s Association.  

In her free time you may catch her cheering on her kids at their sporting and dance activities, wearing out her running shoes on the local bike trails and perfecting her real estate photos. 

Baxter 641-227-3161

Photo of loan officer, Danielle Brannen.

Danielle Brannen

Loan Officer
NMLS #861345
Baxter, IA

Danielle, born and raised in Baxter, Iowa, has been with State Savings Bank for 17 years. Coming from a small community, she values the small town banking experience as much as she values the customer relationships. Danielle has a wide variety of banking knowledge, but specializes in Residential Real Estate and Consumer lending.



Your dream home is waiting for you.

Contact a home mortgage officer

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