Buying a house is a big step, and VisionBank has over 100 years of banking experience to help you along the way. Our mortgage lenders have the experience required to help find the right loan for you. We are a locally owned community bank known for our excellent customer service and comprehensive home loan products.
Mortgage Lenders – VisionBank has a team of lenders with combined experience of 100+ years ready to assist you with your home lending needs. From 100% financing to low down payments and low rates, our team will find the loan that fits your needs best. Get to know our team and find a lender near you.
Prequalification –Get prequalified quickly with one of our home loan experts. Today’s housing market is ever changing but that doesn’t mean the process has to be complicated. A prequalification letter gives sellers confidence that you are approved and ready to purchase a new home. Prequalification starts with an application to determine eligibility.
Mortgage Loans – VisionBank offers a wide variety of loan products. We specialize in Conventional, VA, USDA and FHA loans. We also offer construction loans, Homes Equity Lines of Credit and 2nd mortgages. Our lenders will place you in a loan that meets your financial needs and personal preferences.
When you decide to purchase a new house, VisionBank will take you from the prequalification to loan closing with expertise and ease and make this process easy and affordable.
At VisionBank we are committed to a better future for you and the communities we serve. A refinance can provide you with a lower interest rate, debt consolidation or the ability to make home improvements. We offer a number of options for residential real estate loans with competitive rates and fees. Our dedicated mortgage professionals have a combined 100+ years of experience and will provide you with the service you deserve.
Mike Kentfield is our Vice President Mortgage and Consumer Lender / Metro Business Development Officer –He is an experienced mortgage lender that has been with the Bank since 2008. Mike is a graduate of THE University of Iowa with a degree in finance. Mike grew up in Fort Dodge and after college moved to Des Moines to start his career as a loan officer in 2001. In 2008, the Bank hired Mike to work as a loan officer for secondary market loans. In 2015 Mike became the Loan Production Manager for the secondary market and took over the construction and residential portfolio lending as well.
Outside of work, Mike enjoys going to the lake in the summers and hunting at his farm in Southern Iowa in the fall.
Contact details:
Mike Kentfield
Clive Branch
Phone (515) 276-7010
Fax (515) 276-7017
NLMSR # 644434
Jebb Rich is Vice President Mortgage Lender at VisionBank. Jebb attended the University of Iowa and began a career in consumer lending in 1991 and has worked throughout the Midwest, with the majority of his time in Iowa. Jebb has extensive experience in consumer mortgage lending and focuses primarily on purchase transactions. His experience ensures a smooth and stress free purchase experience for both the buyers and their agents. Away from the bank Jebb spends time with his family and cheering on the Iowa State Cyclones.
Contact details:
Jebb Rich
Clive Branch
Phone (515) 276-7010
Fax (515) 276-7017
NLMSR # 212235
Greg began his career in mortgage origination in 2012, and quickly set himself apart winning multiple awards for production and customer satisfaction in just his first few years in the industry. He has brought his track record of service to Legacy Bank where he has access to the products and programs to fit your specific needs. Legacy Bank has been around for over a century due to their excellent customer support and service. Legacy Bank’s mortgage division is built upon those same principals.
Greg was born and raised in central Iowa and has an absolute love for this beautiful state and the people here! Outside of work, he is an avid golfer and enjoys spending time with an amazing group of friends – living life to the fullest.
Contact details:
Greg Gibb
Altoona Branch
Phone (515) 967-9981
Fax (515) 967-9984
NLMSR # 1009280
While some customers prefer the convenience of purchasing an existing home, others dream about putting their own personal touches into a custom built home. Constructing your new home from the first shovel of dirt to the final touch can be both a challenging and rewarding experience. Whether you have the serene piece of family ground available, or are still looking for your future building lot, let VisionBank’s knowledgeable construction lenders help guide you through the process from start to finish.
Jon Albert is Chief Credit Officer. He graduated from Iowa State with degrees in Management, Finance and Design Studies. Jon joined Legacy Bank in 2018. He has 15 years of business banking experience from large national banks to community banks. Jon also has experience in residential construction, commercial insurance and government technology sales. In his spare time, he enjoys riding motorcycles on the street or track and rock climbing or skiing out west.
Contact details:
Jon Albert
Clive Branch
Phone (515) 226-3302
Fax (515) 226-3305
Brad Pfaltzgraff is Chief Operations Officer. He is an experienced Commercial lender who has been with Legacy Bank since 2004. Brad is a graduate of Bondurant-Farrar High School and has a degree in Business Administration from the University of Northern Iowa (Go Panthers!). Brad has been a lifelong resident of the Des Moines area. He has previous experience working in the financial and technology fields. During his tenure with Legacy Bank, Brad has experience in Consumer Loans, Secondary Market lending, Construction Loans, Commercial Lines of credit and Commercial Real Estate lending.
As someone who lives and works in the community, Brad has been an active member in many community organizations. Previously he has held positions as the President of the Bondurant Chamber of Commerce, School Board Member of the Bondurant Farrar Community School district, and currently is the President of Bondurant Development and a board member of the Bluejay Basketball Club. When Brad is not in the bank, there is a good chance you will find him on a field or in a gym as a coach for local Bondurant youth sports teams.
Contact details:
Brad Pfaltzgraff
Altoona Branch
Phone (515) 967-9981
Fax (515) 967-9984
NLMSR # 644539
Mike Kentfield is our Vice President Mortgage and Consumer Lender / Metro Business Development Officer –He is an experienced mortgage lender that has been with the Bank since 2008. Mike is a graduate of THE University of Iowa with a degree in finance. Mike grew up in Fort Dodge and after college moved to Des Moines to start his career as a loan officer in 2001. In 2008, the Bank hired Mike to work as a loan officer for secondary market loans. In 2015 Mike became the Loan Production Manager for the secondary market and took over the construction and residential portfolio lending as well.
Outside of work, Mike enjoys going to the lake in the summers and hunting at his farm in Southern Iowa in the fall.
Contact details:
Mike Kentfield
Clive Branch
Phone (515) 276-7010
Fax (515) 276-7017
NLMSR # 644434
A home equity loan is a loan secured by the equity in a home. Equity is the value left when you subtract the debt on your home from the fair market value of your home. In other words, the price you paid for your home minus the remaining mortgage you have.
With a Home Equity Loan, you can consolidate debt or pay for major expenses. Home equity loans give you the security of a fixed-rate payment on principal or interest for the life of the loan and a steady repayment schedule.
A home equity line of credit is a flexible credit line, with the benefit of anytime-spending possibilities. Whether you want to tackle that home improvement project, take a much-needed vacation, pay for your child’s braces, finance a college education or simply consolidate your debt, we can help you find the perfect home equity line to fit your needs.
Jon Albert is Chief Credit Officer. He graduated from Iowa State with degrees in Management, Finance and Design Studies. Jon joined Legacy Bank in 2018. He has 15 years of business banking experience from large national banks to community banks. Jon also has experience in residential construction, commercial insurance and government technology sales. In his spare time, he enjoys riding motorcycles on the street or track and rock climbing or skiing out west.
Contact details:
Jon Albert
Clive Branch
Phone (515) 226-3302
Fax (515) 226-3305
Josh Bryant is Senior Vice President – Loan Operations. He handles the majority of the Bank’s Ag Lending and leads the Loan Operations department. He has a degree in Agricultural Business form Iowa State University. Josh grew up on a family farm with 320 acres of row crop and a 1200 head feedlot. He also owned a small cow calf operations with his father. Josh has been in banking since 1997 with previous lending experience at an Ag Bank in Northern Iowa. He was hired by Legacy Bank in 2004. When not at the bank, Josh is a skilled BBQ pitmaster and often participates in competitive BBQ events.
Contact details:
Josh Bryant
Bondurant Branch
Phone (515) 967-4949
Fax (515) 967-5432
NLMSR # 644489
Scott Hoffman graduated from the University of Iowa with a BA in Interdepartmental Business Studies and an Entrepreneurial Certificate of Management. Scott joined the Bank in May of 2021 and has over seven years of experience in the financial services industry. He joined the Bank as a new Consumer and Commercial Loan Officer. Originally from Centerville, Iowa, Scott has lived in Des Moines for over a decade and resides in Beaverdale. When not at the bank, Scott spends his time with family and friends going riding on trails or boating at Saylorville Lake.
Contact details:
Scott Hoffman
Mitchellville Branch
Phone (515) 967-5141
Fax (515) 967-6091
NLMSR # 2156766
Brad Pfaltzgraff is Chief Operations Officer. He is an experienced Commercial lender who has been with Legacy Bank since 2004. Brad is a graduate of Bondurant-Farrar High School and has a degree in Business Administration from the University of Northern Iowa (Go Panthers!). Brad has been a lifelong resident of the Des Moines area. He has previous experience working in the financial and technology fields. During his tenure with Legacy Bank, Brad has experience in Consumer Loans, Secondary Market lending, Construction Loans, Commercial Lines of credit and Commercial Real Estate lending.
As someone who lives and works in the community, Brad has been an active member in many community organizations. Previously he has held positions as the President of the Bondurant Chamber of Commerce, School Board Member of the Bondurant Farrar Community School district, and currently is the President of Bondurant Development and a board member of the Bluejay Basketball Club. When Brad is not in the bank, there is a good chance you will find him on a field or in a gym as a coach for local Bondurant youth sports teams.
Contact details:
Brad Pfaltzgraff
Altoona Branch
Phone (515) 967-9981
Fax (515) 967-9984
NLMSR # 644539
Mike Kentfield is our Vice President Mortgage and Consumer Lender / Metro Business Development Officer –He is an experienced mortgage lender that has been with the Bank since 2008. Mike is a graduate of THE University of Iowa with a degree in finance. Mike grew up in Fort Dodge and after college moved to Des Moines to start his career as a loan officer in 2001. In 2008, the Bank hired Mike to work as a loan officer for secondary market loans. In 2015 Mike became the Loan Production Manager for the secondary market and took over the construction and residential portfolio lending as well.
Outside of work, Mike enjoys going to the lake in the summers and hunting at his farm in Southern Iowa in the fall.
Contact details:
Mike Kentfield
Clive Branch
Phone (515) 276-7010
Fax (515) 276-7017
NLMSR # 644434
Mike Kentfield is our Vice President Mortgage and Consumer Lender / Metro Business Development Officer –He is an experienced mortgage lender that has been with the Bank since 2008. Mike is a graduate of THE University of Iowa with a degree in finance. Mike grew up in Fort Dodge and after college moved to Des Moines to start his career as a loan officer in 2001. In 2008, the Bank hired Mike to work as a loan officer for secondary market loans. In 2015 Mike became the Loan Production Manager for the secondary market and took over the construction and residential portfolio lending as well.
Outside of work, Mike enjoys going to the lake in the summers and hunting at his farm in Southern Iowa in the fall.
Contact details:
Mike Kentfield
Clive Branch
Phone (515) 276-7010
Fax (515) 276-7017
NLMSR # 644434
Jebb Rich is Vice President Mortgage Lender at VisionBank. Jebb attended the University of Iowa and began a career in consumer lending in 1991 and has worked throughout the Midwest, with the majority of his time in Iowa. Jebb has extensive experience in consumer mortgage lending and focuses primarily on purchase transactions. His experience ensures a smooth and stress free purchase experience for both the buyers and their agents. Away from the bank Jebb spends time with his family and cheering on the Iowa State Cyclones.
Contact details:
Jebb Rich
Clive Branch
Phone (515) 276-7010
Fax (515) 276-7017
NLMSR # 212235
Greg began his career in mortgage origination in 2012, and quickly set himself apart winning multiple awards for production and customer satisfaction in just his first few years in the industry. He has brought his track record of service to Legacy Bank where he has access to the products and programs to fit your specific needs. Legacy Bank has been around for over a century due to their excellent customer support and service. Legacy Bank’s mortgage division is built upon those same principals.
Greg was born and raised in central Iowa and has an absolute love for this beautiful state and the people here! Outside of work, he is an avid golfer and enjoys spending time with an amazing group of friends – living life to the fullest.
Contact details:
Greg Gibb
Altoona Branch
Phone (515) 967-9981
Fax (515) 967-9984
NLMSR # 1009280
S.A.F.E Act Mortgage Loan Officer Registration Notice
In accordance with the Secure and Fair Enforcement of the Mortgage Licensing Act of 2008 (the S.A.F.E Act), the names and corresponding unique identifying numbers of mortgage loan officers for VisionBank are listed below:
| Organization ID | # 454070 |
|---|---|
| Joshua W. Bryant | # 644489 |
| Scott A. Hoffman | # 2156766 |
| Gregory R. Gibb | # 1009280 |
| Michael J. Kentfield | # 644434 |
| Brad D. Pfaltzgraff | # 644539 |
| Jebb D. Rich | # 212235 |
