Mortgage Loan Options

You Have Options

Our member-friendly mortgage options include great rates, low fees, and easy financing, all with home loan experts who can answer your questions and guide you toward the best option.

• FHA – Gift funds allowed
• Conventional 30, 25, 20, 15, 10 year fixed terms
• VA – No down payment required
• USDA – 100% financing
• First-time home buyers
• Mortgage Refinancing
• Not sure what to expect when you apply for a mortgage loan?  View & print our “Mortgage Applicant Information” document.
• Contact us for current rates, or call Mark at 515-867-2718 for details.
• Print an Information Sheet

Apply For A Mortgage Loan Now!

Home Buyer Education

The housing marketing is booming and it’s a seller’s market. Members who are planning to buy a home need to be financially prepared to make an offer.

• Video: 3 Things You Should Do Before Buying A Home
  
  Email Mark
• Video: 3 cosas que debes hacer antes de comprar una casa
  
  Email Sonia
  
• Not sure what to expect when you apply for a mortgage loan?  View & print our “Mortgage Applicant Information” document.

New Home Search Checklist

Before searching for a new home, there are some steps you should take to make the process simpler, and to ensure you’re ready to buy.

• 1) Visit www.annualcreditreport.com to pull & review a copy of your credit report.
  Contact us if you would like help reviewing your report, or for resources to assist you in cleaning-up any issues or discrepancies on your report.
• 2) Get pre-qualified for a mortgage loan.
  You’ll need to gather some documents prior to your prequalification:
  • 2 years’ worth of tax returns
  • proof of income
  • proof of assets
• 3) Schedule an appointment with Mark Piper (NMLS #108354) or Sonia Lopez (NMLS #1581053) to get pre-qualified.
  Mark & Sonia, our Mortgage Loan Officers, will walk you through every step of your loan pre-qualification!
  Email Mark
  Email Sonia
• Once you’re pre-qualified, it’s time to begin your home search!