NMHL Mortgage Lending
Mortgage Lender in Ankeny, IA
Local expertise and competitive rates for Ankeny homebuyers.
Ankeny Housing Market Overview
Explore mortgage options in Ankeny, IA with NMHL. Our local expertise helps you navigate the Ankeny real estate market with competitive rates and personalized service.
See What You Qualify For
Takes about 5 minutes. No obligation. No credit check until you are ready.
Your Local Mortgage Partner
We understand the local market dynamics that affect your home purchase. Our team provides personalized loan options based on local property values and regulations.
Available Loan Programs in Ankeny
Explore mortgage options tailored to Ankeny homebuyers
First Time Home Buyer Mortgages
Special loan programs helping newcomers purchase their first home with favorable terms and support.
Learn MoreRefi-Shield
Learn MoreAdjustable-Rate Mortgage (ARM)
Financial flexibility and optimal rates with an Adjustable-Rate Mortgage – Your key to a dynamic homeownership journey
Learn MoreHigh-Value Appraisal Program
Learn MoreInterest Only Mortgages
Interest-only mortgages allow borrowers to pay only the interest for a set period, reducing initial monthly payments.
Learn MoreHome Equity Loans
Access the equity in your home with a fixed-rate home equity loan. Get a lump sum with predictable monthly payments for ...
Learn MoreFHA Loans
Federal Housing Administration (FHA) loans are government-backed mortgages designed to help first-time homebuyers and th...
Learn MoreFixed-Rate Mortgage
Lock in your interest rate for the life of the loan with a fixed-rate mortgage. Predictable monthly payments make budget...
Learn MoreBridge Loans
Bridge the gap between buying your new home and selling your current one. Short-term financing that gives you the flexib...
Learn MoreVA Loans
VA loans are a benefit earned by veterans, active-duty service members, and eligible surviving spouses. Backed by the De...
Learn MoreConventional Loans
Conventional loans are not backed by government agencies and typically offer the most flexibility for qualified borrower...
Learn MoreITIN Loans
Purchase a home using your Individual Taxpayer Identification Number (ITIN) without a Social Security Number. NMHL is co...
Learn MoreJumbo Loans
Jumbo loans exceed conforming loan limits and are designed for luxury properties and homes in high-cost areas. With comp...
Learn MoreDSCR Investment Loans
Debt Service Coverage Ratio (DSCR) loans qualify based on rental income rather than personal income. Perfect for real es...
Learn MoreBank Statement Loans
Bank statement loans are designed for self-employed borrowers and business owners who have difficulty documenting income...
Learn MoreReverse Mortgages
For homeowners 62 and older, reverse mortgages allow you to access your home equity without monthly payments. Stay in yo...
Learn MoreUSDA Mortgages
USDA Rural Development loans help moderate-income buyers purchase homes in eligible rural and suburban areas. With no do...
Learn MoreHeloc
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Understanding Ankeny's Housing Market
Ankeny's housing market is characterized by steady growth, driven by its strong economy, excellent schools, and family-friendly atmosphere. The median home price is $243,000, with a range of housing options available, from starter homes to luxury properties. NMHL's local market expertise can help you navigate this competitive landscape and find the best mortgage options.
Some of Ankeny's most desirable neighborhoods include:
- Otter Creek: Known for its new construction and family-friendly amenities
- Prairie Trail: Offers a mix of housing styles and community events
- Ankeny's Historic District: Features charming older homes and a sense of community
NMHL's local expertise can help you navigate Ankeny's competitive housing market and find the best mortgage options.
NMHL Mortgage Programs for Ankeny Borrowers
At NMHL, we offer a range of mortgage programs tailored to Ankeny borrowers' needs, including:
- FHA loans: Ideal for first-time homebuyers or those with lower credit scores
- VA loans: Available to eligible veterans and service members
- USDA loans: Suitable for borrowers purchasing homes in rural areas
- Conventional loans: Offer competitive rates and terms for qualified borrowers
Our mortgage experts can help you determine the best program for your situation and guide you through the application process.
Contact NMHL today to explore your mortgage options and get pre-approved for your Ankeny home purchase.
First-Time Homebuyer Programs in Iowa
Iowa offers several programs to support first-time homebuyers, including the Iowa Finance Authority's FirstHome program. This program provides 3.5% down payment assistance and competitive interest rates. NMHL can help you navigate these programs and determine your eligibility.
To qualify, you'll need to meet income limits, complete a homebuyer education course, and occupy the property as your primary residence. NMHL's experienced mortgage professionals can guide you through the application process and help you achieve your homeownership goals.
NMHL can help you explore first-time homebuyer programs and find the best mortgage options for your situation.
Down Payment Assistance in Ankeny, IA
Ankeny borrowers can access down payment assistance programs, such as the Iowa Finance Authority's Down Payment Assistance Program. This program provides up to 5% of the home's purchase price to help with down payment and closing costs.
NMHL can help you explore these options and determine your eligibility. Our mortgage experts will work with you to create a personalized plan and guide you through the application process.
Contact NMHL today to learn more about down payment assistance programs in Ankeny, IA, and get pre-approved for your mortgage.
Frequently Asked Questions
Ankeny's popular neighborhoods include Otter Creek, Prairie Trail, and Ankeny's Historic District. These areas offer a mix of new construction, family-friendly amenities, and community events. NMHL's local expertise can help you navigate these neighborhoods and find the best mortgage options.
Property taxes in Ankeny are calculated based on the property's assessed value and local tax rates. The average effective property tax rate in Ankeny is 1.53%. NMHL can help you factor property taxes into your mortgage planning and explore options for tax-advantaged mortgage products.
Iowa offers several first-time homebuyer programs, including the Iowa Finance Authority's FirstHome program, which provides 3.5% down payment assistance and competitive interest rates. NMHL can help you navigate these programs and determine your eligibility.
Yes, NMHL offers mortgage options for borrowers with less-than-perfect credit. Our bad credit mortgage programs can help you achieve homeownership even with a credit score as low as 580. Contact us to discuss your options and create a personalized plan.
Ankeny is served by the Ankeny Community School District, which is highly rated and can positively impact home values. Homes located within top-rated school districts tend to retain their value and appreciate over time. NMHL's local market expertise can help you understand how school districts affect home prices in Ankeny.
Ankeny borrowers can access down payment assistance programs, such as the Iowa Finance Authority's Down Payment Assistance Program, which provides up to 5% of the home's purchase price. NMHL can help you explore these options and determine your eligibility.
Related Resources
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