All loan programs
Every Iowa home loan program, from multiple mortgage lenders.
As a broker we are not limited to one bank's menu. Here is every program we offer, what it is built for and where to learn more.
Programs for homebuyers
- Less Than
Perfect CreditPast mistakes do not have to cost you the American dream. We work with people in all situations.
- Grant
ProgramsGrants of up to 5% of the purchase price for closing costs, down payment and other upfront costs.
- 1% Down
ProgramYou put down 1%, the lender contributes 2%, and you start with 3% equity at closing.
- FHA
MortgageA flexible, federally insured loan with 3.5% down and room for imperfect credit.
- VA Mortgage
ProgramsZero money down and strong rates for the Veterans and service members who earned them.
- USDA Rural
Housing100% financing for homes in eligible rural and small town Iowa communities.
- Down Payment
AssistanceEvery way to buy with less cash, compared side by side in plain English.
For investors, seniors and business owners
- Investment Property LoansPurchase, refinance, bridge and blanket loans that qualify on the property's rent.Learn more
- Adjustable Rate MortgagesA lower starting rate for buyers who expect to move, sell or refinance within a few years.Learn more
- Reverse MortgagesA federally insured way for homeowners 62 and older to turn equity into income.Learn more
- Commercial and Business LoansFinancing for apartments, offices, retail space and working business capital.Learn more
Which program fits my situation?
A starting point, not a final answer. Most people qualify for more than one, and we compare them for you.
| Feature | Programs to look at first |
|---|---|
| Little saved for a down payment | IMS Homebuyer Grant, 1% Down, FHA with gift funds |
| Credit score under 620 | FHA (from 500 with 10% down, 580 with 3.5%), Less Than Perfect Credit options |
| Veteran or active duty | VA loan with 0 money down |
| Buying in a small town | USDA Rural Housing with 100% financing |
| Self-employed | Bank statement loans, investment loans that qualify on rent |
| Buying a rental | Investment property, bridge and blanket loans |
| Age 62 or older with equity | Reverse mortgage (HECM) |
| Planning to move within a few years | Adjustable rate mortgage |
Loan program questions
Start with four facts: your credit score, how much cash you have, where you are buying, and whether you have served in the military. Most buyers qualify for more than one program, and we price each so you can compare payment, cash to close and long-term cost.
Your keys are closer than you think.
One conversation tells you which programs you qualify for, what your payment could be and what to do next. No pressure and no cost.
