Making Iowa Your Home - The Best Iowa Mortgage Rates, Resources & Information

Are you considering buying or refinancing a home in Iowa? Or tapping into your home equity to consolidate high interest debt?  If so you've found the right place.

Our information will help you learn about all types of Iowa home loans and our helpful list of specific IA Mortgage Resources & services is specifically tailored for our state. Having some knowledge of how mortgage loans work wherever you live in Iowa can help you select a home and keep it for years to come.

Whether you're looking for a Des Moines new home loan or a Cedar Rapids mortgage refinance, it pays to do your homework.

Getting the Best Iowa Mortgage Rates

Also compare competing quotes from our lender database of reputable Iowa mortgage lenders by filling the form to the right.

For most of us, buying a home is the largest investment we'll make in our lives, so take the time to speak to different lenders and see what offers are available to you. 

Getting several competing quotes and getting the best offer can save you thousands over the course of your loan.

Residents looking for their first Iowa mortgage loan or refinancing can find help through state, local and federal programs for homebuyers and homeowners. Homebuyer programs assist first time buyers by providing low interest rates and low cost loans to help in covering down payment and closing costs.

Do some research before looking at homes or contacting Iowa mortgage lenders. Using mortgage calculator tools can help you compare mortgage rates, refinancing terms, and evaluate multiple mortgage loan options.

Matching Iowa Mortgage Options to Your Needs

Getting the best deal on interest rates is only one aspect of choosing a mortgage loan; a mortgage rate calculator for comparing interest rates can help you focus on affordable mortgage options. First time homebuyers may qualify for programs through Iowa Finance Authority (IFA). This agency provides a variety of Iowa mortgage related programs including down payment assistance and a program for military veterans who've served on active duty since September 11, 2001.

Selecting a home mortgage or refinancing can depend on how long you plan to keep your home, and when you want to be mortgage free. Using an amortization calculator can assist in comparing mortgage loans, payment amounts, and repayment terms. The refinance calculator can help you identify favorable refinancing terms or decide when to refinance.

Iowa Mortgage Foreclosure Information

Iowa residents facing foreclosure should immediately seek help from a HUD approved housing counseling agency ; contact your lender and discuss your situation and what you can do to bring your mortgage payments current. Most Iowa foreclosures are done through the courts with a typical time frame of about five months. Iowa does not permit redemption of foreclosed properties, nor does it allow deficiency judgments. Iowa does provide a unique alternative to foreclosure; borrowers and lenders can agree to execute certain documents that convey title to the property to the lender.