How do I choose the best mortgage lender in Iowa?

Compare more than the rate. Look at the APR, the closing costs, whether the lender offers the program you need, how fast they respond, and how well they know the local market. A broker can compare several lenders side by side for you, which is the quickest way to see who is actually the best fit.

Do you offer FHA, VA and USDA loans in Iowa?

Yes. FHA loans start at 3.5% down with a 580 credit score. VA loans offer 0 money down for eligible Veterans and service members. USDA loans offer 100% financing for homes in eligible areas across rural Iowa.

Can first time home buyers in Iowa get help with a down payment?

Yes. The IMS Homebuyer Grant Program offers grants of up to 5% of the purchase price for buyers with a 620 or higher credit score, and our 1% Down Mortgage adds a 2% lender contribution. Both are open to first-time and repeat buyers.

Do you help with home refinance in Iowa?

Yes. We arrange rate and term refinances, cash-out refinances, debt consolidation, FHA Streamline and VA IRRRL loans for homeowners across Iowa.

I am looking for a mortgage broker near me. Where are you located?

If you searched for a mortgage broker or a mortgage lender near you, we serve homeowners in every part of Iowa by phone, online and in person. Our office is at 4403 1st Ave SE, #110, Cedar Rapids, Iowa 52402.

Can I get a mortgage in Iowa with bad credit?

Often, yes. FHA financing is available for credit scores as low as 500 with 10% down, and 580 with 3.5% down. We work with borrowers after bankruptcy, foreclosure and collections, and we know which lenders are flexible.

Do you finance investment properties in Iowa?

Yes. Our investment property loans offer up to 80% financing with a 660 credit score, qualify on the property's rent instead of your tax returns, and include bridge and blanket loans for up to 7 properties.

Iowa mortgage broker since 2005

Iowa home loans, right around the corner.

Experience the difference local can make. We compare mortgage lenders for you, then guide you from pre-approval to closing day.

Buy a Home Refinance

Grants up to 5%
1% down options
$0 down VA and USDA
Credit decisions in 24 hours

Get a free rate quote

No credit pull to start. Pick a goal and we will take it from there.

Or call 319-377-1988

We're here to help. Anytime.

Have questions? Talk to an Iowa mortgage broker who knows your neighborhood, your market and the lenders who say yes.

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Find a loan

Home loans built around you

Tell us where you are headed. We compare programs from multiple mortgage lenders and show you which one costs less.

First-time and repeat buyersGrants up to 5% of the priceCompare all loan programs

Calculate a monthly payment

See what a home in Iowa could cost each month, or what refinancing could save you.

Monthly payment: $1,501
Mortgage amount: $237,500
Total mortgage cost: $540,418.16

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Iowa families have trusted us with their home loans since 2005.

Better equipped to help you qualify.

Local programs go beyond traditional loans. Our IMS Homebuyer Grant offers up to 5% of the price, and our 1% Down Mortgage adds a 2% lender contribution, alongside FHA, VA and USDA options for buyers across Iowa.

See the grant program

Loan officer reviewing options with homebuyers on a couch

20 years of Iowa home loans.

We have helped Iowa families buy and refinance since 2005, from first homes in Des Moines and Iowa City to farmhouses on USDA loans across rural Iowa. Local knowledge still matters, and we have plenty of it.

About our team

More lenders than any single bank.

As a mortgage broker, we shop your loan with multiple mortgage lenders instead of one rate sheet. One application, more options, fewer credit pulls, and a better shot at approval if your credit has a few dents.

Credit help that works

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Shop local. Compare more.

One application opens doors to multiple mortgage lenders, with an Iowa team beside you from the first call to the closing table.

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What our neighbors are saying about Iowa Mortgage Solutions

We had been turned down twice by our bank and had pretty much given up. They looked at our whole picture and found a loan that worked. We closed on our first house that spring.

Jenna and Marcus T.First-time buyers, Ames

As a Veteran I expected a mountain of paperwork. They handled the Certificate of Eligibility, answered every question and kept me posted the whole way. No down payment, no surprises.

Dale R.VA loan, Des Moines

I own three rentals and needed someone who understood how one more loan affects the next. They planned ahead for me and got the financing done without the usual runaround.

Priya S.Investment property, Davenport

Our refinance dropped our payment and got rid of our mortgage insurance. They explained the break-even math before we signed anything, which I really appreciated.

Tom and Alicia K.Refinance, Iowa City

The grant covered most of our closing costs. I did not think we could buy this year, and here we are. Quick answers every time I called.

Brianna L.Grant program, Waterloo

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How we get it done

Easily start your application on your favorite device. Our local loan experts are here to help at every step.

Tell us about you
Start online in about three minutes or give us a call. No credit pull just to talk, and you can share documents securely later.
Choose your program and rate
We compare multiple mortgage lenders and walk you through the options, so you pick the payment and term that fit.
Get approved
Our goal is a credit decision within 24 hours. Then we order the appraisal and verify the details with your lender.
Close your loan
Sign the final documents and get your keys. You stay part of the Iowa Mortgage Solutions family, so reach out anytime.

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Learn more with guides from our team

House keys with a house charm resting on a wallet

GuideBuying a house: the initial costs, explainedDown payments, closing costs and prepaids, plus the programs that help pay for them.

Professionals reviewing a loan file around a table

GuideGetting approved for a mortgage in IowaWhy shopping lenders matters and how a broker protects your credit score.

First-time homebuyers sitting among moving boxes

First-time buyersFirst time home buyer in Iowa? Start hereGrants, low down payments and a step-by-step plan for your first home.

Couple carrying a moving box and a plant into their new home

ProgramsDown payment assistance in Iowa, comparedGrants, 1% down, $0 down VA and USDA loans, gifts and seller help side by side.

Couple at the kitchen table reacting happily to a document

RefinanceWhen does a home refinance in Iowa make sense?The break-even rule, streamline options and how to drop mortgage insurance.

Two people working through numbers together

ToolMortgage calculator for Iowa homebuyersEstimate principal, interest, taxes and insurance in seconds.

View More Apply Now

Questions answered

Questions about home loans in Iowa

Straight answers from a local mortgage broker. Do not see yours? Call 319-377-1988.

We are an independent mortgage broker serving all of Iowa. Instead of offering one lender's products, we compare home loans from multiple mortgage lenders and help you choose the best fit. If you are searching for a mortgage lender in Iowa, working with us gives you several lenders through a single application.

Looking for a mortgage broker near you?

Send a note or pick up the phone. A real loan officer answers, and a mortgage consultant will respond right away or by the next business day.

Visit our office4403 1st Ave SE, #110
Cedar Rapids, Iowa 52402 Call local319-377-1988 Toll free877-377-1988

Quick repliesRight away, or by the next business day

Iowa home loans, right around the corner.

We're here to help. Anytime.

Home loans built around you

IMS Homebuyer Grant Program

1% Down Mortgage Program

FHA Mortgage Loans

VA Mortgage Loans

USDA Rural Housing Loans

First-Time Home Buyers

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