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mortgages Buying a Home - Iowa Real Estate and Mortgages

Buying a Home - Iowa mortgages and down payment assistance loan programs.

Research the available mortgages and home loan programs for buying Iowa real estate.

Bookmark this page for your home buying reference and email this page to the next person you know who will be buying Iowa real estate. 


Government grants for buying a home

Here are some links for government grants for buying a home in Iowa.

IFA Home Buyer Programs - the Iowa Finance Authority offers several homebuying assistanct programs which are available wherever you live in the State of Iowa
http://www.ifahome.com/HousingPrograms.asp

Iowa Affiliates of Habitat for Humanity - Habitat for Humanity has affiliates at numerous locations throughout Iowa, and brings families and communities in need together with volunteers and resources to build decent, affordable housing
http://www2.habitat.org/local/WWW_Affiliates2.fm$Find?field=st_code&value=IA

Local Homebuying Programs - many Cities and local organizations also offer homewonership assistance programs

Black Hawk County

Operation Threshold 
300 West 3rd Street
Waterloo, IA
(319) 291-2065
http://www.cedarnet.org/opthresh/index.html

Renew Waterloo
300 West 3rd Street
Waterloo, IA
(319) 291-2065/4301

Dubuque County

City of Dubuque Housing Services 
1805 Central
Dubuque, IA 52001
(563) 589-4239

http://www.cityofdubuque.org/index.cfm?pageid=475

Eastern Iowa Regional Housing Authority
330 Nesler Centre
Dubuque, IA 52004-1140
(563) 556-4166
Homeownership grants for Maquoketa and Dewit only
Owner Rehab loans for Clinton and Preston

Johnson County

Greater Iowa City Housing Fellowship
1700S 1st Ave, Suite 25B
Iowa City, IA
(319) 358-9212

Iowa City Housing Authority
TOP Program - Public Housing Residents only
ADHOP - Affordable Dream Home Ownership Program
410 East Washington
Iowa City, IA
(319) 356-5400

Linn County

MidAmerica Housing Partnership 
3351 Square D Drive
Cedar Rapids, IA 52404
(319) 365-6247

http://www.mahp.net/

Polk County

City of Des Moines Housing Services
(Public Housing residents only)
Park Fair Mall, Suite 100
100 East Euclid
Des Moines, IA 50313
(515) 323-8950

http://www.ci.des-moines.ia.us/departments/HS/index.htm

Community Housing Development Corporation
1912 6th Ave
Des Moines, IA 50314
(515) 244-7798

HOME, Inc. 
111 9th Street
Des Moines, IA 50314
(515) 243-1277

http://www.humanservicesplanningalliance.org/housing.htm

Neighborhood Finance Corporation
1912 6th Ave
Des Moines, IA 50314
(515) 246-0010

Scott County

Dream Home Loan Program 
United Neighbors
808 Harrison Street
Davenport, IA 52803
(563) 322-7363

http://hometown.aol.com/fessler99/myhomepage/business.html

Woodbury County

City of Sioux City Housing Authority

Affordable Homeownership Program
City Hall Room 107
Sioux City, Iowa 51102
(712) 279-6980

http://www.sioux-city.org/housing%20assistance/SCAffordableHomeOwnership.htm

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Down payment assistance 

Below are down payment assistance programs that may be used to buy a home in Iowa.

Nehemiah - down payment assistance program for buying a home with no money down.

HART - down payment assistance program allows you to buy a home with no money down.

Neighborhood gold - this is another down payment assistance program that allows you to buy a home with no money down.

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Bad credit loans for buying a home or refinancing.

There are many mortgage lenders who specialized in bad credit loans for buying a home in Iowa or refinancing. Use the link below to complete a form from our partner LendingTree and receive offers from lenders who maybe able assist you.

Bad Credit Mortgage Loans - these types of mortgages are for those individuals  with the following types of issues:

  • bankruptcy in the last 2 years

  • foreclosure in the last 3 years

  • low credit scores below 620

(not sure what your credit score is, get a Free Credit Report)

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Mortgages and Home Loans

These website can assist your with obtaining mortgages for buying a home in Iowa.

FHA loans - government insured mortgages that allow you to buy a home with only 3% down payment.

VA loans - if you are a veteran, you may buy a home with no money down.

Conventional Loans - any mortgage loan that requires 5% down payment and is less than $417,000 for a single family home.

Jumbo Loans - any mortgages where the loan amount is higher than $417,000 for a single family home.

Mortgages - this site has information regarding fannie mae and freddie mac conventional loans.

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Mortgage Calculator

Use this mortgage calculator to calculate the monthly mortgage payment based on the required loan amount, current mortgage rates, and loan term of various types of mortgages you research on this page.

Following are instructions to calculate a mortgage for buying a home:

  1. Subtract your estimated down payment from the price of the home you wish to buy and enter the value in "Loan Amount" (Remember that if the down payment is less than 20% of the sale price you will have the added expense of Mortgage Insurance which is not figured into this calculation.)
  2. Estimate Annual Property Tax and Homeowners Insurance and enter these values.
  3. Each time you change a value hit "Calculate Now" to see what the effect is. 
Put Inputs Here

Years: 

Interest: 

Loan Amount:

Annual Tax:

Annual Insurance:

Results

Monthly Principle + Interest

Monthly Tax

Monthly Insurance

Total Payment

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Iowa Real Estate of Homes for Sale

Now that you understand the home buying process and have been pre-approved for a mortgage loan get started searching  Iowa real estate of homes for sale.

Complete the form below for direct access to the following types of Iowa real estate listings:

  • Iowa Real Estate Listings and MLS
  • Iowa HUD Homes
  • Iowa For Sale By Owner Homes
  • Iowa New Homes for Sale
  • Iowa Foreclosure Homes for Sale
Access Iowa Real Estate Listings

You will get free unlimited access to search Iowa real estate listings and as an added benefit for signing up you will receive all of the free home buying guides via email. If you feel that this site is beneficial, please email this page to the next person you know that may be thinking of buying a home.

 

First & Last Name

Email Address

How soon will you be buying a home?


You will be sent an email with all of the home buying guides and checklists available for downloading shortly. You will automatically be redirected to the real estate homes for sale research page.

May we contact you via email

 

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