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Home sweet home.

Let our experts help you through the home buying process

Not just a mortgage.

It's where dreams become memories!

Questions?

Chat with one of our
mortgage loan experts

Home purchase and refinance options in Des Moines, Iowa

Whether you’re a first-time home buyer, you’re looking for your dream home, or looking to save money every month with a lower rate, we’re here to help. Mortgage loans don’t have to be complicated. When you choose us for your home loan, you get:

  • Local credit union expertise
  • Low rate mortgages
  • First time homebuyer program
  • Low closing costs
  • Fixed and adjustable rate mortgage options

 

The home buying process

Buying your first (or second) home can be intimidating. That's why we're here to help. For starters, it's important to understand the steps to home ownership. So we've broken them down for you.

  1. Get prequalified. It's important to know how much house you can afford. Real estate agents also like to know this info so they can pair you with homes in your price range.
  2. Find your dream home. This is the fun (and exhausting) part. Tools like Redfin and Zillow help you find homes you want to visit and narrow down your must-haves. Your real estate agent will also have a tool for you to use. 
  3. Put in an offer. Once you've found your dream home, you need to make an offer. The seller can accept or counter-offer. If they counter-offer you can either accept, counter or deny and start the hunt again.
  4. The home inspection. It's important to know if there are any major issues with the house. A home inspector will look at important things like HVAC, the roof and structure. Pro tip: attend the inspection to get any of your questions answered.
  5. The appraisal. The bank or credit union won't lend you more than the home is worth. An appraisal let's you (and the lender) know how much the home is worth. Fingers crossed it's worth more than your purchase price - then you have equity from the start!
  6. Closing. Start practicing that signature. During closing you will sign a lot of papers and get the keys to your home. This is also where you hand over that hefty check with fees, closing costs and your down payment.
Aanonson_Andrew

A little about Andrew: Your trusted Loan Officer

For more than 10 years I've helped members achieve homeownership or better their financial position through refinance. My job is to be your partner through the entire home buying process.

I was born and raised in north central Iowa. I love spending time with my three kids and coaching baseball. I'm happy to say my house is always a work in progress (inside and out).

 

 

Mortgage calculators

 

  • Calculate a Mortgage Payment
  • Rent or Buy?
  • Proceeds from Sale of a Home
  • Home Affordability
  • Compare Two Mortgage Loans
  • Adjustable-Rate Mortgage Analyzer
  • Time to Refinance?
husband and wife researching banking options

About IHMVCU

We’re a member-owned financial cooperative serving the Des Moines, Iowa area. This means we exist solely to help our members, our employees and our communities find success on their financial journeys, not to line the pockets of some Wall Street stockholders. Our members are our owners, and every dollar they put into IHMVCU goes back to the people and communities we serve.