My Trusted Des Moines Mortgage Lender
Moving to Des Moines?
Searching through listings and tracking down the perfect property that will suit your needs, wants, and dreams can be difficult enough, but when you’re relocating or don’t know much about the area you’re moving into, it can seem all the more daunting.
It doesn't matter whether it's your first home, second home, final dream home, or a property that will help you earn some extra income, searching for that new address is a chore in and of itself, albeit a fun one.
There's so much to consider when deciding whether or not a property is THE ONE for you.
I will work diligently to ensure that regardless of whether you're a first time home buyer, are looking to refinance, are interested in purchasing a rental property, are interested in VA Loans, or are finally ready to hunt down your Des Moines dream home, I can help make your goals become a reality.
Have a couple of questions? That’s perfectly fine! Most folks do and I encourage you to ask as many questions as you can think up. I'm here to answer all your questions and to ensure that you're comfortable with the decisions you're making about your lending options.
Read on to learn more or skip to the chase and click the button below to begin your loan application!
Interested to find out if you qualify for a VA Loan?
Are you a United States Veteran? Are you currently serving in the United States military and have been for at least six months? If so, it's possible that you may qualify for a VA Loan!
Is this a new concept to you? Or have you only begun to learn about VA Loans? Maybe you're not even sure what the benefits of a VA Home Loan are. If that's the case, let's go over some of the benefits of qualifying for a VA Home Loan:
In most cases, there is no down payment required! (As opposed to the 3% or 5% that other types of loans require)
There is no monthly mortgage insurance premium included in your payment, which lowers your monthly payment!
The VA Loan limits buyer’s closing costs, reducing your out of pocket expense on closing day.
The VA Loan has a lower average interest rates than other loan types. It currently has the lowest interest rate out of all the loan options.
There are no prepayment penalties. You can pay off your home loan early with no financial repercussion.
Plus several more!
If you believe you qualify for a VA loan or would like to learn more about them and how they may benefit you, fill out the form below and I’ll be happy to discuss your options with you!
If you are:
US Military Veteran
Currently Serving in the US Military and have been for at least 6 months
Then you may qualify for a VA loan and should absolutely talk with someone about it prior to applying for a home loan! You can also Click Here to get more information.
I can also help you get your Certificate of Eligibility! Contact Me today to learn more.
I'll work with you to determine if this is the best course for you to take or if there's another loan that might suit your needs better. It's my job to ensure that you find the best home loan to fit you and your current situation!
Ready to Get Started?
Maybe you find yourself in a slightly different situation than the one outline above. Maybe this isn’t your first home purchase or maybe you’re looking at purchasing a rental property. In that case, it’s a fair assumption that you’ve already done quite a bit of research and that you have an idea of what type of loan you’re looking for. If you believe you've already explored all your options, have the perfect property picked out, and understand the various types of mortgages available, you may be anxious to move forward.
So let’s fast track this:
Can you answer yes to any, or all, of the following questions?
Have you already spent some time reviewing home loans and the lingo that goes with it?
Have you been through this before and know exactly what you're looking for in a home loan?
Are you done researching and feel ready to take the next step?
Have you already found a property that you're interested in?
Have you evaluated several lenders and feel like you've found the one that best suits you?
In that case, what are you waiting for?
Simply click the button below to fill out your loan application and I'll be in touch with you in as little as 24-48 hours! We’ll go over your application together and I’ll let you know if there’s any additional information I need to get you moving in the right direction.
Frequently Asked Questions
+ Q: Why does my realtor say I need pre-approval? Is that different than pre-qualification?
A: Pre-qualification is used by a lender to help you determine how much of a loan you can afford. This is beneficial to you when house hunting so that you don’t fall in love with a house that you can’t afford. Pre-approval is saying that you are conditionally qualified for a loan. This is, of course, subject to the review of your completed application, verification of your income, assets, employment history, credit check, etc. Having pre-approval makes the home buying process go much smoother when you’re ready to submit an offer on a home.
+ Q: Is there a fee to submit my application online?
A: No, submitting your application is absolutely free. And you’re under no obligation once you submit your application.
+ Q: What kinds of documentation will I need to provide?
A: This varies based on the loan program. While there are several programs that require income statements and past tax filings, others don’t require any documentation at all. Once we determine what type of loan is best for you, I’ll be able to give you a complete list of the documents needed to proceed.
+ Q: Once I’ve submitted my application online, when will I find out if I’ve been pre-qualified?
A: Once I receive your application, I’ll review it to see if any additional information is needed. Either way, I will be in touch with you within 24 - 48 hours.
+ Q: Is there any way I can avoid paying a down payment?..
A: There are several loan programs that don’t require down payments depending on your credit score, employment history, location, etc. Once you fill out an application, we can determine whether or not this is an option for you.
+ Q: What is Mortgage Insurance and why is it required?
A: Mortgage insurance protects the lender against taking a financial loss in the event that the lendee defaults on the loan (stops making payments). It is required on mortgage programs that require little or no down payment, such as a FHA or First Time Home Buyers loan. There are several ways in which mortgage insurance can be avoided, and we can explore those once we have your application on file.
+ Q: What if I’ve filed bankruptcy recently? Can I still qualify for a mortgage loan?
A: Yes, it's possible. Depending on several factors, including whether you filed Chapter 7 or Chapter 13, there may be a brief waiting period of 2-4 years before you can get approval for another mortgage loan. I’m more than happy to schedule a call with you to discuss your options based on your current situation.
+ Q: What are some of the benefits of Government loans (FHA, VA, USDA Rural Housing)?
A: Government backed loans have quickly become a great option for applicants. They are easy to qualify for and have low interest rates which are incredibly attractive to buyers. Many of these programs have incentives such as little to no down payments, no pre-payment penalties, and fewer fees and charges for establishing the loan. I will be happy to go over them all with you in detail to determine which is the best for you.
+ Q: What is a physician loan?
A: This is a special home mortgage, available only to MDs and DOs, with attractive terms and unique qualities not found with other traditional loans. It includes benefits such as a lower, if any, down payment needed and no mortgage insurance.
+ Q: How is my ARM rate determined?
A: Your Adjusted Rate Mortgages have variable interest rates. These rates can change on a monthly basis depending on the current market conditions. They are determined by adding a margin to an index on a specific date.
+ Q: What is a balloon loan?
A: This is a short term loan that includes payments that gradually reduce the total initial cost over a longer period of time. These payments won’t pay off the loan within the term, so the remaining balance (aka the balloon payment) is due in full at maturity of the note.
+ Q: What is the difference between the interest rate and the annual percentage rate (APR)?
A: The interest rate is the rate you agree to pay for your mortgage loan. It is used to determine the interest portion of your monthly payment. The annual percentage rate (APR) includes your interest rate and prepaid finance charges to give you an average yearly rate.
+ Q: What is an escrow account and why do I need one?
A: This is set up on your behalf to collect money for property tax payments and homeowners insurance in equal amounts over the course of the year. Your escrow account will pay your homeowners insurance and property taxes automatically so you don’t have to worry about it when the time comes.
What should you expect from your Mortgage Lender?
Most lenders would say that you should look for a lender who offers you the best possible rate, is willing to take the time to thoroughly answer your questions, and works tirelessly to get you into your dream home.
Most lenders know how to talk the talk, but when it comes down to it, they don't always meet their own professed criteria.
I prefer to EXCEED expectations.
That's why I:
Work at your pace
Take the time to completely and thoroughly answer all your questions
Will work diligently to make sure you're never confused or overwhelmed
Will explore every option to make sure you're getting the best loan for you
Am not happy until you're happy
To me, it's simple. You deserve to understand every aspect of your loan and you deserve to feel comfortable and confident with your future home ownership.
You also deserve a lender who is willing to take the time to understand your life and financial situation so that they are able to match you up with the perfect loan for you. One that won't frustrate you, confuse you, or leave you in an overwhelming situation that leaves you feeling buried with no hope of digging yourself out.
You deserve someone who truly cares that you're happy with the loan you receive and that you completely understand the details and its functionality.
I take extra steps to ensure that you receive all of this and more.
But, you absolutely don't have to take my word for it.
Fill out the form above to reach out and I'll be happy to start answering your questions. If, after talking and discussing your lending needs, you feel that I'm not the appropriate lender for you, it's no problem! You're under no obligation to proceed. You can take the information I've given you and use it to help you find a more appropriate lender for you.