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What First-Time Homebuyers in Iowa Need to Know Right Now
Buying your first home feels like a big leap—but with the right preparation, it’s more achievable than you think.
Start with Pre-Approval
Before you fall in love with a house, get pre-approved. It shows sellers you’re serious and gives you a clear budget. The process is straightforward: we’ll review your income, credit, and assets to determine what you qualify for.
Loan Options for First-Timers
You have choices:
∙ FHA loans require as little as 3.5% down
∙ VA loans offer zero down for veterans and active military
∙ USDA loans provide 100% financing in eligible rural areas
∙ Conventional loans can go as low as 3% down with strong credit
Don’t Forget Down Payment Assistance
Iowa offers programs that can help with down payments and closing costs. Many first-time buyers don’t realize these exist—but they can make a major difference in your upfront cash needs.
Work with Local Experts
Partner with a lender who knows Iowa’s market and programs inside and out. The right guidance means fewer surprises and a smoother path to closing.
Ready to explore your options? Let’s talk about what makes sense for your situation.
All loans subject to approval. Equal Housing Lender.