Collateral

FHLB Des Moines offers an extensive collateral menu which includes, but is not limited to, a variety of residential and commercial real estate loans, mortgage and business loans, government-guaranteed loans, securities and time certificates of deposit.

Since credit is only extended on a secured basis, we offer a wide variety of collateral options. Members and housing associates choose what, when and how to pledge in order to maintain sufficient eligible collateral.

Expiration of Adjusted Eligibility Guidelines for COVID-19 Relief

FHLB Des Moines is ending the temporary Adjusted Eligibility Guidelines for Pledged Collateral for COVID relief effective with collateral pledged as of June 30, 2022.

Read our recent news announcement for information on eligible collateral regarding loans granted forbearance, loan modifications and loan originations with electronic signatures

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Instructions for Reporting and Pledging Loans in Forbearance

Members need to verify the inclusion of pledged loans in forbearance on their quarterly Borrowing Base Certificate (BBC) in eAdvantage.

Instructions

Collateral Types Available for Pledging

FHLB Des Moines accepts various types of loans and securities as collateral. Explore your options and understand eligibility criteria for all collateral. Eligibility guidelines and checklists are provided here.

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Read details on pledging Paycheck Protection Program (PPP) loans as collateral. 

Pledging and Releasing Process

Pledging and releasing collateral can be accomplished easily by utilizing eAdvantage, the online portal for members. Prior to using eAdvantage, user authorizations should be set up. 

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