NMHL Mortgage Lending
Mortgage Lender in Des Moines, IA
Local expertise and competitive rates for Des Moines homebuyers.
Des Moines, Iowa's capital city, offers an attractive blend of affordability, strong employment opportunities, and a high quality of life, making it an ideal location for homebuyers. The median home price of $220,000 provides a great entry point into the housing market. At National Mortgage Home Loans (NMHL), we understand the unique needs of Des Moines borrowers and offer a range of mortgage programs tailored to their requirements, including options for first-time homebuyers, those with bad credit, and self-employed individuals.
The Des Moines housing market is characterized by a mix of older and newer homes, with neighborhoods like East Village, Sherman Hill, and Beaverdale offering a range of architectural styles and community atmospheres. As a leading mortgage lender in Des Moines, NMHL is well-positioned to help borrowers navigate the local market and find the right mortgage solution for their needs.
With NMHL's expertise and knowledge of the Des Moines market, borrowers can access a range of mortgage options, including our 'Pathfinder' program for first-time homebuyers and our 'Recovery' program for those rebuilding their credit. Our team is dedicated to providing personalized service and guidance throughout the mortgage process.
Des Moines Housing Market Overview
Des Moines is Iowa's capital and a top-ranked insurance and financial services hub. The city consistently ranks among the best places for young professionals and families due to affordable housing, strong jobs, and excellent quality of life.
Des Moines Neighborhoods
Popular areas for homebuyers in Des Moines, IA
ZIP Codes We Serve in Des Moines
Mortgage lending available in these Des Moines ZIP codes
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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 Des Moines
Explore mortgage options tailored to Des Moines 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 the Des Moines Housing Market
The Des Moines housing market is characterized by a mix of older and newer homes, with a median home price of $220,000. The market is influenced by the local economy, which is driven by industries like insurance, finance, and healthcare. NMHL's mortgage experts have in-depth knowledge of the Des Moines market and can help borrowers navigate the complexities of homebuying.
- The Des Moines housing market is relatively affordable compared to other major US cities.
- The market is influenced by the local economy, with industries like insurance and finance driving demand for housing.
- NMHL's mortgage programs are designed to help borrowers access the housing market, regardless of their credit score or financial situation.
NMHL's 'Pathfinder' program is a great option for first-time homebuyers in Des Moines, offering competitive interest rates and low down payment requirements.
Des Moines Neighborhoods: A Guide for Homebuyers
Des Moines has a range of unique neighborhoods, each with its own character and charm. From the trendy East Village to the family-friendly Beaverdale, there's something for everyone. NMHL's mortgage experts can help borrowers understand the different neighborhoods and find the right fit for their needs.
Some of the most popular neighborhoods in Des Moines include:
- East Village: A trendy, urban neighborhood with a mix of old and new homes.
- Sherman Hill: A historic neighborhood with charming Victorian homes.
- Beaverdale: A family-friendly neighborhood with a village atmosphere.
NMHL's local market knowledge can help borrowers navigate the different neighborhoods and find the right mortgage solution for their needs.
Mortgage Options for Des Moines Borrowers
At NMHL, we offer a range of mortgage options designed to meet the unique needs of Des Moines borrowers. From conventional loans to FHA and VA loans, we have a program to suit every borrower's needs.
Some of our most popular mortgage programs include:
- 'Pathfinder': A first-time homebuyer program with competitive interest rates and low down payment requirements.
- 'Recovery': A mortgage program designed for borrowers rebuilding their credit.
- 'Self-Employed': A mortgage program designed for self-employed borrowers, with flexible income verification and alternative credit scoring.
NMHL's mortgage experts can help borrowers navigate the different mortgage options and find the right fit for their needs.
Down Payment Assistance Programs in Des Moines
Down payment assistance programs can help Des Moines borrowers access the housing market with more ease. NMHL offers a range of down payment assistance options, including the 'Pathfinder' program, which provides up to 4% in down payment assistance.
Some of the most popular down payment assistance programs in Des Moines include:
- Iowa Finance Authority's FirstHome program: Offers up to $7,500 in down payment assistance.
- NMHL's 'Pathfinder' program: Offers up to 4% in down payment assistance for first-time homebuyers.
NMHL's down payment assistance programs can help borrowers access the housing market with more ease.
Frequently Asked Questions
The average property tax rate in Des Moines is 1.52%, which is a significant consideration for homebuyers. This rate can impact monthly mortgage payments and overall affordability. NMHL's mortgage experts can help borrowers understand how property taxes factor into their mortgage costs.
School districts play a crucial role in determining home values in Des Moines. The Des Moines Public Schools district serves many areas of the city, and highly-rated schools like Roosevelt High School and Hoover Elementary can positively impact property values. NMHL's local market knowledge can help borrowers understand how school districts influence home prices.
Des Moines borrowers can access several down payment assistance programs, including the Iowa Finance Authority's FirstHome program, which offers up to $7,500 in assistance. NMHL also offers its own down payment assistance options, such as the 'Pathfinder' program, which can help first-time homebuyers with down payment and closing costs.
Yes, NMHL offers mortgage options for borrowers with bad credit. Our 'Recovery' program is designed for individuals rebuilding their credit, and we consider alternative credit scoring models to help borrowers qualify. We also provide guidance on improving credit scores and managing debt.
Neighborhoods like Beaverdale, Ingersoll, and East Village are popular among first-time homebuyers due to their affordability, community atmosphere, and access to amenities. NMHL's mortgage experts can help borrowers navigate these neighborhoods and find the right mortgage solution for their needs.
Getting pre-approved for a mortgage in Des Moines is a straightforward process with NMHL. Simply contact our team or visit our website to start your pre-approval application. We'll review your financial information and provide a pre-approval letter to help you navigate the homebuying process with confidence.
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