Darla Stegeman - NMLS# 525950 - Central Bank

06/04/2026

A buydown is not one-size-fits-all.

A permanent buydown may help lower the interest rate for the life of the loan, while a temporary buydown may help lower the payment for the first few years before it adjusts to the full note rate.

In some situations, a seller or builder may be able to contribute toward the cost, depending on the loan program, contract terms, and guidelines.

The best option depends on your budget, timeline, and overall goals. Before choosing, make sure you understand both the upfront cost and the long-term impact.

For informational purposes only. Not a commitment to lend. Loan approval, terms, rates, costs, discount points, and concession limits are subject to borrower qualifications, credit approval, program guidelines, property eligibility, contract terms, and underwriting.

Member FDIC | NMLS # 407985 | Equal Housing Lender

06/02/2026

Imagine hosting your friends and family this summer in your own backyard, enjoying barbecues, pool parties, and late-night bonfires!

I specialize in helping you find the perfect mortgage to turn your summer party dreams into reality. No matter your budget or needs, I’m here to guide you every step of the way. 🏡

Ready to make unforgettable memories? Check out these tips for hosting summer parties on a budget: https://www.centralbank.net/learning-center/budget-and-save/easy-budgeting/hosting-summer-parties-on-a-budget/
Member FDIC | NMLS # 407985 | Equal Housing Lender

05/28/2026

Not every homebuyer has the same plan—and not every mortgage should be one-size-fits-all. For some buyers, an Adjustable-Rate Mortgage (ARM) may offer a lower initial rate and lower payments during the early years of the loan.

That can be worth exploring for buyers with shorter-term goals or those who may not plan to keep the loan long-term. The right fit always depends on your full financial picture and future plans.

Reach out today to explore your options!

Member FDIC | NMLS # 407985 | Equal Housing Lender

05/26/2026

Bradley, wow, I can’t thank you enough for sharing your experience! It truly makes me so happy to have been able to help you again! Wishing you all the best!🌟

05/26/2026

Did you know electronics like your coffee maker or phone charger can drive up your electricity bill even when they’re turned off? Those small costs really add up. The easy fix? Start by unplugging devices when you aren’t using them to keep that extra cash in your pocket!

Which appliance are you always forgetting to unplug?

For more ways to save visit our Learning Center: https://www.centralbank.net/learning-center/budget-and-save/easy-budgeting/seven-ways-to-save-on-your-electric-bill/

Member FDIC | NMLS # 407985 | Equal Housing Lender

05/25/2026

Today, we remember the courageous men and women who made the ultimate sacrifice for our country.

05/22/2026

Congratulations to the Earls family! ❤️🏠 So thankful I could play a part in helping get this one closed quickly. Beth, thank you for the kind words and for always going above and beyond for your clients!

Darla Stegeman | VP, Mortgage Loan Officer| NMLS # 525950
Member FDIC | NMLS # 407985 | Equal Housing Lender

Earls family you did it!!!

You successfully moved while at the tail end of school & survived some bumps in the road at the end of what was supposed to be “cash no drama”!!

Thank you for your trust in me to represent you!!

I’ll always make lemonade out lemons…so while I always pray for the calmest of seas for all my clients, I am happy to have served you well in the midst of surprises and among what felt like chaos.
I knew all would work out well in the end and hope you were always able to say “man that girl had my back the whole time”.

Also BIG shout out to our local title company Midwest Title & Escrow for staying in tight communication with the out of state closing holding things up.
Thank you to Darla Stegeman - NMLS # 525950 - Central Bank for staying on her tip toes to give one of the quickest closings I’ve seen in a minute. 😏😘

Earls family you are exceptional and deserve only the best! I hope that’s exactly what you received!!

Now enjoy your new home and hopefully the best summer break of your lives!! 😘❤️🏠

05/21/2026

A changing market calls for creative solutions. One option some buyers are exploring is a temporary rate buydown—designed to lower the interest rate for an introductory period on eligible loans.

In certain transactions, seller or builder concessions may be used toward the buydown cost, subject to guidelines and approval.

Every scenario is different, which is why personalized guidance matters.

Member FDIC | NMLS # 407985 | Equal Housing Lender

05/20/2026

Jacob, thank you so much! I’m really glad I could help make the process feel smooth and easy to navigate.

It was a pleasure working with you both, and I appreciate you trusting me throughout the homebuying journey!💛