State Savings Bank
State Savings Bank State Savings Bank

Home Mortgage

Photo of a beautiful home that could be yours with a home mortgage.Buying a new home is both an exciting and scary experience. Whether you’re a first-time homebuyer or have been through the process before, understanding the mortgage process can be confusing. We understand this struggle and have employees in Baxter and West Des Moines to help guide you throughout every step of the process. We offer comprehensive financial services including our First-time Homebuyer Savings Accounts, home mortgage services, and home construction loans.
State Savings Bank offers a variety of options for consumers looking to purchase or refinance their mortgage. We strive to make to process as clear and understandable as possible, that’s why we provide financial resources such as:

  • Financial calculators to give you an estimate of monthly mortgage payments, closing costs, mortgage rates, etc
  • SSB Home Buying Timeline which breaks down the homebuying process into clear, easy to follow steps
  • Loan calculators to help you figure out how much you will really pay for your personal loans, home loans, or any other type of loan you may take out.

The SSB Difference

When you do business with us, we start with you! Every person, every family, and every circumstance is different and so we start by listening to you to understand your specific goals. This allows us to offer the personalized guidance, advice, and solutions that are best suited to you. Our staff is experienced, knowledgeable, and available to answer all of your financial questions.

First-time Homebuyer Programs

If you've never owned a home, you probably have lots of questions. We've put together a First-time Homebuyer Guide 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, learn about our tax-advantaged First-time Homebuyer Savings Account!

From mortgage calculators to home loans to step-by-step personalized guidance, State Savings Bank has got you covered. Trust SSB to provide you with the financial support you need to move into your dream home!

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, 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 Us

© 2024 State Savings Bank. All rights reserved.
Open/Close Chat Box