Mortgage Information - Des Moines Real Estate

Securing a Mortgage Loan

While mortgage rates are the lowest they've ever been, it's also becoming harder than ever to get approved for a home loan. During the real estate boom in the mid 2000's, just about anybody could buy real estate in Des Moines or anywhere else. The banks did everyone an injustice by providing

loans to those who could not pay them back...causing the crash, and resulting in all the foreclosures we now see on the market.

If you're looking to buy a home now, better plan to have around a 20% down payment. There is even talk that it may go to as much as a 35% down requirement eventually. It's never been more important to protect your credit, not to over-extend yourself with debts, and to get pre-approved before you spend the time to go house-hunting.

Below you will find a mortgage calculator to give you some idea of the payments on any particular amount. If you have decided to purchase a home in Des Moines and have not explored your mortgage possibilities, please call us and let us help you find out what kind of home you can buy.

Des Moines Homes Under $200,000

$117,500

720 24Th , West Des Moines

Charming Fairmeadows ranch - 2 blocks to school with newer carpet & hardwood floors, furnace and air new in fall of '11. Updated kitchen & bath. Fresh paint thru-out. Pr...

Beds 3
Baths 1

$144,900

5734 31St , Des Moines

3 bedroom home, 2 car attached garage, ready to move in. New carpet, fresh paint.

Beds 3
Baths 3

$189,900

33441 Fox Creek , Waukee

Unbelievable opportunity to live in the country on an acreage yet only 5 minutes from Jordan Creek Mall and priced to sell. The original owners are offering their family ...

Beds 3
Baths 2

$144,900

230 Greenfield , Des Moines

Great family home located in Greenfield Plaza neighborhood. 4 level split with basement finished for game room or family room. Over 1600 SF finished. This home is a must ...

Beds 3
Baths 2

$169,900

2746 Diehl , Des Moines

Pleanty of extras in the spacious 4 level split home in family friendly neighborhood within walking distance of Easter Lk & park! Large 3 car garage includ a workbench ar...

Beds 3
Baths 3

$184,900

3410 Locust , West Des Moines

Over 2500 SF of living space in prime West Des Moines location. The home is nestled in a Cul-de-Sac on a large Treed Lot. Up front the home has a family room with adjoini...

Beds 3
Baths 2

$97,500

4369 35Th , Des Moines

Wow! Look at this home on nearly 1/2 acre. Featuring 3 bedrooms, 2 on the main level and 1 in the lower level & 2 bathrooms. Hardwood floors in the main living area & til...

Beds 2
Baths 2

$129,500

1416 60Th , Des Moines

None

Beds 3
Baths 1

$129,900

1204 15Th , West Des Moines

None

Beds 4
Baths 1

$184,900

2500 Eagle Point , Des Moines

Beautiful home, spacious 3 bedrooms, 2 1/2 bathrooms and a loft on the 1st floor. Still tax abatement. 2 car attached garage, huge lot, easy access to main ave. Close to ...

Beds 3
Baths 3

$119,900

3725 Kingman , Des Moines

Super location on beautiful Kingman Blvd. Home is just minutes from downtown Des Moines, Drake University and easy access to the Des Moines Freeway and the Western Suburb...

Beds 2
Baths 1

$144,900

682 41St , Des Moines

Fantastic bungalow with tons of interior and exterior appeal. Freshly decorated and stylish with hardwood floors and beautiful kitchen. New tile in bathroom. Enclosed ...

Beds 2
Baths 2

$165,000

2712 Porter , Des Moines

Check out this 5BR, 3074 total sq.ft. walkout 2sty. The kitchen includes brand new GE Profile Stainless Steel appliances, pantry and tile floors. The master suite include...

Beds 5
Baths 3

$165,000

4206 Western Hills , West Des Moines

This is a great opportunity to live in a well established neighborhood just a few minutes from everything. This 2sty with 3 large bedrooms is over 2000 sq.ft. and has jus...

Beds 3
Baths 3

$129,000

5613 Washington , Des Moines

Pottery Barn cute! A sweet two bedroom home with nice three season room. Hardwood flooring, full bath and eat-in kitchen with freshly painted cabinets. Stove, dishwas...

Beds 2
Baths 1

$85,000

3126 Kinsey , Des Moines

Quality craftsmanship shines through in this completely updated 2 BR ranch. Everything is new, including a beautiful oak kitchen with tile floor and updated bath with til...

Beds 2
Baths 1

$165,000

704 10Th , West Des Moines

What an amazing home! Absolutely pristine! Impeccably decorated & updated t/o. HUGE MSTR STE w/separate sitting/TV area, beautifully tiled bath + a walk-in closet. (Don't...

Beds 3
Baths 3

$116,000

2415 Indianola , Des Moines

Beautiful ranch with everything you would ever need. 4 bedrooms, 1 bathroom and hardwood floors. Don't let this slip through your fingers!

Beds 3
Baths 1

$114,900

3415 School , Des Moines

If your looking for a home in the historic Kingman area within walking distance to shopping, close to campus, close freeway access minutes from downtown we have the one ...

Beds 2
Baths 2

$159,900

933 16Th , West Des Moines

This isn't just another drive by home. Be prepared to be WOWED by this beautiful brick ranch! You will be amazed by all the space and updates that have been made. Walk ...

Beds 3
Baths 2

$135,000

2523 Sherwood , Des Moines

None

Beds 4
Baths 2

$89,500

2819 8Th , Des Moines

Come out and see this cute 3 BR, walk-out ranch with an awesome view. Home features spacious living room, eat in kitchen, generous bedrooms, and new furnace is 2011 . Th...

Beds 3
Baths 1

$125,000

2735 Lynner , Des Moines

Move-in ready 3br ranch in convenient quiet location. The interior of the house features 1 ? baths on the main floor, a formal dining area, a custom built kitchen with a...

Beds 3
Baths 2

$129,900

902 Diehl , Des Moines

Come home to your spacious ranch with 3 bedrooms, living room, family room, and full bath. Large eat-kitchen and one bathroom have been updated. An added feature is Frenc...

Beds 3
Baths 2

$148,900

2209 Hillside , West Des Moines

You will want to come inside to appreciate this very open spacious home. There are beautiful natural hardwood floors throughout. The kitchen and bath are updated. The kit...

Beds 3
Baths 2

$114,888

4041 Dean , Des Moines

3 bedroom ranch with walk out basement set on 1.14 acres of land in Des Moines. Master bedroom has walk-in closet. 1st floor bathroom has been remodeled. Large deck, almo...

Beds 3
Baths 2

$85,000

436 4Th , West Des Moines

Great Opportunity in this West Des Moines home. Unique Floor Plan Features 4 BR 1 ? Bath. 2 Car garage. Call for Showing.

Beds 4
Baths 2

$168,000

6800 4Th , Des Moines

This beautiful spacious 4BR, 3BA, 5 level split home has it All! Over 2640 sqft finished. Located in cul-de-sac it offers the comfort of safety for your children playing...

Beds 4
Baths 3

$127,900

213 Prospect , West Des Moines

What a wonderful value! This great 3-bedroom home in West Des Moines is full of cozy charm. It has a brand new finished basement, and you'll love the updated kitchen with...