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
$132,000
2517 34TH, DES MOINES
Don't miss this stylish bungalow that was rebuilt and updated in 1996. The home has bright hardwood floors in the living room and dining area and attractive tile in the k...
- Beds 2
- Baths 1
- MLS 418072
$154,900
1904 LOCUST, WEST DES MOINES
Great looking updated ranch home on a beautiful tree lined lot in West Des Moines with 4 bedrooms and 2 bathrooms. Two of the bedrooms are on the main floor and two non-c...
- Beds 2
- Baths 2
- MLS 418099
$142,000
3022 46TH, DES MOINES
Cute home located in the heart of Beaverdale! Completely updated kitchen , breakfast bar and eat-in area with tile floors. all appliances included. Open to living room a...
- Beds 3
- Baths 2
- MLS 418091
$195,000
1117 24TH, WEST DES MOINES
Location, location, location! Updated walkout ranch on 1/2 acre in the heart of West Des Moines. Lots of updates throughout including newer furnace/air, professionally pa...
- Beds 4
- Baths 2
- MLS 418083
$124,900
3013 HOLCOMB, DES MOINES
Adorable Beaverdale home awaits you! Open living space offers family room and formal dining with newly refinished hardwood floors. The updated eat-in kitchen has new cabi...
- Beds 3
- Baths 2
- MLS 418076
$189,900
5801 35TH, DES MOINES
Just like new, well maintained, walk-out two story. Built in 2009, features include 4 bedrooms, 3 bathrooms, walk-out lower level with private view, open floor plan, of...
- Beds 4
- Baths 3
- MLS 418075
$150,000
4705 29TH, DES MOINES
This well-kept house sits on HUGE just under an acre lot in Saydel School District. 24x30 garage with work shop ensures you have plenty of room for cars, toys, storage,...
- Beds 3
- Baths 2
- MLS 416265
$118,000
6015 DAGLE, DES MOINES
Cute 1 1/2 story home located in a nice neighborhood just S of Windsor Elementary School. This home has a large living room with nice south light from lots of windows. Th...
- Beds 3
- Baths 2
- MLS 418047
$120,000
3913 55TH, DES MOINES
Adorable 3BR ranch with eat-in kitchen, large living room, partially finished lower level. A covered patio in the backyard is great for entertaining. Oversized two-car ...
- Beds 3
- Baths 1
- MLS 418046
$85,000
4004 56TH, DES MOINES
Perfect 2 BR ranch full of natural light and charm! Home has all new flooring and fresh paint, large updated kitchen and bath, and super convenient location! Enjoy the ...
- Beds 2
- Baths 1
- MLS 418045
$192,500
740 42ND, WEST DES MOINES
This Mediterranean style ranch was designed by the original owner in 1968 and has been beautifully maintained ever since, with both mechanical and other updates. The fami...
- Beds 3
- Baths 2
- MLS 418051
$184,900
4412 URBANDALE, DES MOINES
I looked up Beaverdale Brick in the dictionary and this is what I found; Curb appeal for days. Spacious 1.5 story home within walking distance to pretty much anythin...
- Beds 4
- Baths 1
- MLS 418048
$159,900
3030 DIEHL, DES MOINES
Easter Lake Neighborhood and Carlisle Schools. This Updated 2-Story home has fenced yard, hardwood floors, fireplace, stainless steel appliances, granite counter tops, de...
- Beds 3
- Baths 3
- MLS 418028
$99,900
3500 39TH, DES MOINES
Newly painted, this home has had only 2 owners and has charm to spare. It features 3 nice sized bedrooms with lots of closet space and 1 full bath on the main level. The ...
- Beds 3
- Baths 1
- MLS 418019
$79,900
2830 51ST, DES MOINES
Want to get away from the noises of the city? This two bedroom ranch is located in an area that gives you that "country" feeling, but still near to all the conveniences ...
- Beds 2
- Baths 1
- MLS 418018
$92,500
1415 MILTON, DES MOINES
This nice 2 story has a current rental permit through February 2014. NFC will provide up to $10,000 of "forgivable" money to convert this home back to a single family re...
- Beds 4
- Baths 3
- MLS 417992
$80,000
982 27TH, DES MOINES
Great opportunity to become a homeowner in the Drake neighborhood! This house would be perfect for a first time buyer, empty nester or investor.It is in "move-in" condit...
- Beds 2
- Baths 1
- MLS 417993
$165,000
3401 LOCUST, WEST DES MOINES
Great family home. 3BR up and additional BR in the LL. There is also a bath in the lower level. The current owners have replaced the carpet, painted, and replaced a win...
- Beds 4
- Baths 2
- MLS 417990
$110,000
2825 48TH, DES MOINES
Looking for a Deal in Beaverdale? This Spacious Cape Cod could be it, it is priced nearly $40,000 below assessed value. Home has lots of character. Large bedrooms, for...
- Beds 3
- Baths 1
- MLS 417979
$135,000
3916 CLINTON, DES MOINES
This Beaverdale beauty features 4 bedrooms with the master large enough for a king bed! Peaceful setting with the backyard backing to woods. Hardwood floors throughout ...
- Beds 4
- Baths 2
- MLS 417976
$192,500
4316 41ST, DES MOINES
You can have the best of both worlds in this 1750 sqft ranch. This home sits in an established neighborhood and features hardwood floors and coved ceilings. The large a...
- Beds 3
- Baths 2
- MLS 417972
$82,900
907 33RD, DES MOINES
Move right in! All the updates have been done for you. Updated bath with surround, glass block window & sink/vanity, newer copper water pipes, all new carpet & freshly pa...
- Beds 3
- Baths 1
- MLS 417957
$122,000
330 GEPKE, DES MOINES
A super nice 3 bedroom with new kitchen, bath, windows, paint and carpet. Electrical and plumbing updated, added insulation and more to this home. New furnace, new H20,...
- Beds 3
- Baths 2
- MLS 411154
$104,900
6101 EDWARDS, DES MOINES
ADORABLE ranch home with updated kitchen, bath in great location PLUS 2+ car heated garage! Home features updated kitchen with gorgeous Hickory cabinets, tile backsplash...
- Beds 2
- Baths 1
- MLS 417943
$135,000
4224 MADISON, DES MOINES
Super cute move in ready ranch in a fantastic Des Moines location! This home is in spotless condition and located within walking distance of the heart of Beaverdale. The...
- Beds 3
- Baths 1
- MLS 417888
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