Buying a Home

If you’ve heard the word escrow but never fully understood it, you’re not alone. Escrow plays a major role in your monthly mortgage payment and is often the reason payments change over time. In this guide, we explain what escrow is, how it works, why taxes and insurance matter, and what Iowa homeowners should watch for to avoid surprise payment increases.

Underwriting doesn’t have to feel like a black box. In this Mortgage Made Simple episode, we break down what really happens when your file hits underwriting—how underwriters review income, assets, and credit, the role of AUS, and the most common reasons for delays. Get clear, practical tips to help your loan move faster and smoother.

If you’ve been looking at homes in Iowa, you’ve probably heard about the Iowa Finance Authority (IFA) and their down payment assistance programs. They’re one of the most popular and well-recognized options in the state — and for good reason. But before you start counting on that extra boost, the real question is: Can you actually qualify? First, What the Iowa Finance Authority Actually Does IFA isn’t a lender. They don’t process your mortgage or collect your payment each mon

Zero down sounds great, until you realize it can cost you thousands later. Here’s what Iowa buyers need to know before applying for down payment assistance in Iowa. First-time homebuyer in Central Iowa or one of our rural towns? Chances are you’ve heard of DPA, but do you know the whole story?. Maybe your lender brought it up. Maybe a friend used it. Or maybe your agent says it’s an option to help you get into a home without saving for years. But here’s what often gets left o