Midwest Family Lending Blog

As a trusted mortgage broker in Urbandale, IA, Midwest Family Lending is excited to share a major update that could make your homebuying journey smoother and less stressful. On June 12, 2025, the U.S. Senate unanimously passed the Homebuyers Privacy Protection Act (S. 1467), a bipartisan bill aimed at curbing abusive mortgage “trigger leads” and reducing unwanted spam calls, texts, and emails for homebuyers. With the House passing a companion bill (H.R. 2808) on June 23, this legislation is closer than ever to becoming law, promising significant relief for prospective homeowners in Iowa and beyond.

Here’s what this means for you and how Midwest Family Lending, your local mortgage lender, can guide you through the homebuying process with ease.

What Are Mortgage Trigger Leads?

When you apply for a mortgage, your credit inquiry often “triggers” credit bureaus like Equifax, Experian, and TransUnion to sell your personal information to third-party lenders and brokers. This practice, known as a trigger lead, results in a flood of unsolicited calls, texts, and emails—sometimes over 100 within 24 hours—many of which can be misleading or predatory. According to the National Association of Mortgage Brokers (NAMB), these aggressive solicitations create confusion and frustration for homebuyers, especially during an already stressful process.

For Iowa residents exploring homeownership, whether located in metro areas like Des Moines or rural areas throughout the state, these spam contacts can make an exciting milestone feel overwhelming and frustrating.

How the Homebuyers Privacy Protection Act Helps You

The Homebuyers Privacy Protection Act, led by Senators Jack Reed (D-RI) and Bill Hagerty (R-TN), introduces strict limitations on trigger leads to protect your privacy. Key provisions include:

• Prohibiting Unauthorized Sales: Credit bureaus can only sell trigger leads if the lender or broker has an existing financial relationship with you (e.g., a current mortgage or deposit account) or if you explicitly opt in to receive solicitations.
• Reducing Predatory Practices: The bill amends the Fair Credit Reporting Act (FCRA) to curb deceptive marketing, ensuring you’re not bombarded with unsolicited offers.
• Empowering Homebuyers: By limiting who can access your data, the legislation puts you in control, allowing you to focus on finding the right home in the great state of Iowa.

This bill has garnered widespread support from industry leaders like the Mortgage Bankers Association (MBA) and consumer advocacy groups, reflecting its importance for homebuyers nationwide.

Why This Matters for Iowa Homebuyers

In the Des Moines metro area, where the housing market is competitive and families are eager to settle near top-rated schools, the last thing you need is a barrage of spam disrupting your mortgage process. The Homebuyers Privacy Protection Act addresses local challenges by:

• Simplifying Your Journey: Fewer distractions mean you can focus on working with a trusted mortgage broker like Midwest Family Lending to secure the best loan terms.
• Protecting Your Privacy: With data privacy concerns on the rise, this bill ensures your personal information stays secure, giving you peace of mind whether you’re buying a home in Des Moines, Cedar Rapids or Council Bluffs.
• Supporting Fair Lending: By reducing predatory solicitations, the legislation promotes a transparent and fair mortgage process, aligning with Midwest Family Lending’s commitment to ethical service.

What’s Next for the Legislation?

While the Senate and House have passed their respective bills, minor differences need to be reconciled before the legislation can be signed into law by President Trump. Industry advocates, including the MBA and NAMB, are optimistic about its passage, citing strong bipartisan support and the bill’s potential to transform the homebuying experience. If signed, the law will take effect six months later, offering relief to homebuyers across Iowa and the U.S.

How Midwest Family Lending Can Help

At Midwest Family Lending, we understand that navigating the mortgage process can be daunting, especially with the added stress of unwanted solicitations. As your local mortgage lender in Urbandale, IA, we’re here to provide personalized guidance and transparent solutions tailored to your needs. Our team is committed to:

• Offering competitive mortgage rates and terms.
• Explaining complex regulations like the Homebuyers Privacy Protection Act in simple terms.
• Ensuring a stress-free experience from pre-approval to closing.

Ready to start your homebuying journey? Schedule a free consultation with Midwest Family Lending today to explore your mortgage options and stay informed about the latest industry updates. Visit our Google Business Profile to connect with us!

Midwest Family Lending, NMLS #4622, is proud to serve Urbandale and surrounding communities with integrity and expertise.

As a veteran or active-duty service member in Iowa, you’ve earned powerful homebuying benefits — and Midwest Family Lending (NMLS #4622) is here to help you maximize them with a VA home loan. Our experienced brokers provide personalized, one-on-one service guiding you through every step — from verifying eligibility to closing — so you can focus on moving into your new home.

Ready to get started? Contact us today to schedule your free consultation.

What Is a VA Loan and How Does It Work?

A VA loan is a mortgage guaranteed by the U.S. Department of Veterans Affairs and issued through private lenders. It allows eligible veterans, service members, and certain surviving spouses to buy (or refinance) a home with little or no down payment and no Private Mortgage Insurance (PMI).

Since 1944, VA loans have helped millions of military members and their families achieve homeownership. According to the VA, nearly 90% of VA home loans nationwide require no down payment. VA loans often offer better terms than conventional mortgages, making homeownership more accessible for veterans in Urbandale and across Iowa.

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Key Benefits of VA Loans

Veterans and active service members choose VA loans for many reasons, including:

• No Down Payment: Finance 100% of your home’s purchase price with $0 down, unlike conventional loans which often require 3-5%.
• No Private Mortgage Insurance (PMI): Save hundreds each month as VA loans do not require PMI fees.
• Lower Interest Rates and Fees: VA loans typically offer lower interest rates and capped lender fees, reducing your long-term costs.
• Flexible Credit Requirements: The VA allows more flexible credit standards and higher debt-to-income ratios than conventional loans, helping more veterans qualify.
• Veteran-Exclusive Benefits: Only eligible veterans, active-duty service members, and some surviving spouses qualify, including exemptions from funding fees for disabled veterans.
• Assumable Loans & Refinance Options: VA loans can be assumed by qualified buyers, and refinancing options like IRRRL (Interest Rate Reduction Refinance Loan) make future refinancing easier.

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Am I Eligible for a VA Loan?

To qualify for a VA loan in Iowa, you must meet one of the following:

• Active Duty Service: At least 90 days of active-duty service during wartime, or 181 days during peacetime.
• National Guard or Reserve: Minimum 6 years of service.
• Honorable Discharge: Your service must have ended honorably.
• Surviving Spouse: Eligible surviving spouses of service members who died in the line of duty may also qualify.

Our team will help you confirm your eligibility and assist in obtaining your Certificate of Eligibility (COE) from the VA — a necessary step for loan approval.

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Why Choose Midwest Family Lending?

At Midwest Family Lending, we understand VA loans aren’t just paperwork — they’re your path to a new home. We are dedicated to providing:

• Personalized Service: Direct access to your broker with expert knowledge of the Urbandale and Polk County housing market.
• Clear Guidance: Transparent answers and support throughout your loan process.
• Proven Success: Trusted by veterans and military families throughout Iowa, we don’t hand off your file to call centers — you get hands-on, local service.

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Serving Iowa, Nebraska, South Dakota and Colorado

We proudly assist veterans throughout the upper midwest, including cities like Des Moines, Omaha, Sioux Falls and Denver.  Our deep knowledge of the VA Guidelines, coupled with our local knowledge, ensures you get expert mortgage advice that fits your needs.

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Start Your VA Loan Application Today

Whether you’re purchasing your first home or refinancing with a VA IRRRL, now is the perfect time to use your earned benefits.

• Call us at (515) 252-7107
• Email: info@midwestfamilylending.com
• Or visit our Google Maps location to find us.

Let’s put your VA benefits to work and get you home.

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Sources & Further Reading

• VA.gov – Housing Assistance
• Consumer Financial Protection Bureau – VA Loan Information
• Military.com – VA Loans Guide

Proud to be accredited by the BBB since 1998. #BBBAccredited

At Midwest Family Lending, community is at the heart of everything we do. Through our MFLCares program, we’ve long believed that giving back is not just a responsibility—it’s a privilege. For 2025, MFLCares is proud to put the full weight of our efforts behind a cause that hits close to home: supporting the Huntington’s Disease Society of America – Iowa Chapter (HDSA-IA).

Huntington’s Disease (HD) is a rare, inherited brain disorder that impacts thousands of families across the country—including our own. That personal connection is what drives us to raise awareness, educate the public, and support those who are affected.

More Than a Partnership—It’s a Mission

Our 2025 MFLCares mission is to raise awareness and foster understanding of Huntington’s Disease throughout our company, our customers, and the communities in which we live.  By supporting Huntington’s Disease Society of America, we aim to educate, inspire, and mobilize our team and the public to create a brighter future for those affected. 

We’ve launched a series of initiatives to bring this mission to life:

• 🎥 Short Educational Videos – Throughout 2025, we are rolling out bite-sized videos explaining the basics of HD, sharing real stories from affected families, and highlighting research developments. These are designed to be shared—because awareness spreads one conversation at a time.  We invite you to watch, share, and learn more about Huntington’s Disease by visiting our dedicated page:
  👉 www.midwestfamilylending.com/hd
• 👣 Team Hope Walk Participation – We’ve rallied around HDSA’s Team Hope Walk, promoting community participation and team fundraising. It’s more than just a walk—it’s a symbol of progress and hope. 
• ⛳ Family Is Everything Golf Tournament – On June 23, Midwest Family Lending is hosting a charity golf outing to raise funds for HDSA-IA. It’s a day of fun with a purpose!  While his tournament is already full, sponsorships are still available, and donations are always welcome!  100% of proceeds go to HDSA-IA.
• 🎲 Celebration of Hope Gala – “High Roller” Event– Save the date, November 15th at Glen Oaks Country Club! This is an evening of celebrating individuals in our HD community, learning the latest updates from our Center of Excellence, enjoying a delicious dinner catered by Glen Oaks, and an evening of gambling fun with a chance to win some great prizes!

Together, we can bring visibility to Huntington’s Disease and hope to the families it touches. Whether it’s through a share on social media, a donation, or walking alongside us at a Team Hope event, every bit of support counts.

Thank you for joining us in making a meaningful difference.

#MFLCares #HDSAIA #EndHD #HopeForHDFamilies #FamilyIsEverything #LetsTalkAboutHD

As the spring housing market heats up in Des Moines, IA, first-time homebuyers are stepping into one of the most competitive seasons of the year. Navigating this fast-paced market doesn’t have to be overwhelming—with the right guidance and preparation, you can position yourself for success.

At Midwest Family Lending, your trusted mortgage broker in Urbandale, IA, we’re here to help you make informed decisions and secure the right mortgage for your needs.

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Why Spring Is a Prime Time to Buy

Spring tends to bring more listings, favorable weather for home tours, and renewed motivation from sellers. But it also comes with increased buyer activity, which can lead to multiple offers and faster sales. That’s why being prepared—both financially and strategically—is key.

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Tip 1: Get Pre-Approved Early

Before you start browsing listings or attending open houses, it’s crucial to get pre-approved by a mortgage broker. Pre-approval gives you a clear understanding of your budget and shows sellers you’re a serious buyer.

✅ It helps you:

• Stand out in a competitive market
• Set realistic expectations
• Speed up the closing process

At Midwest Family Lending, we offer fast, personalized pre-approvals tailored to your financial goals.

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Tip 2: Know Your Mortgage Options

First-time buyers often qualify for special loan programs, but choosing the right one depends on your credit, income, and down payment ability. A local mortgage lender in Urbandale, IA can help you navigate your choices.

💡 Options we can help you explore include:

• FHA Loans – Great for buyers with lower credit scores
• VA Loans – For qualified veterans and active-duty military
• Conventional Loans – With competitive rates and terms
• USDA Loans – For homes in eligible rural areas

Learn more about the types of loans we offer.

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Tip 3: Budget for More Than the Down Payment

Beyond your down payment, you’ll also need to plan for closing costs, inspection fees, insurance, and other up-front expenses. Our team helps you break down the numbers so you’re financially prepared at every step.

🎯 Want to estimate your payments now? Try our mortgage calculator tool to get started.

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Tip 4: Work with a Local Expert

A national lender might not understand the unique dynamics of the Des Moines housing market. That’s why working with a local mortgage broker like Midwest Family Lending gives you a strategic advantage.

We know the area, the homes, and the pace—and we’re available to walk you through the process personally.

📍 Check out our Google Business Profile to see what local homebuyers are saying about us.

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Tip 5: Be Ready to Act Quickly

Spring homes go fast—especially those priced right. When you’ve done the prep work in advance, you can move confidently and submit offers before someone else beats you to it.

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MLFCares

We believe in giving back to the communities we serve. Visit MFLCares, our philanthropic program dedicated to supporting local charities and making a meaningful impact. This year, MFLCares supports Huntington’s Disease Society of America – Iowa Chapter

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Ready to Buy Your First Home?

Don’t miss your opportunity this spring. Whether you’re still researching or ready to get pre-approved, our team is here to help.

📞 Schedule your free mortgage consultation

📍 Visit us on Google Maps

Navigating the mortgage process in Des Moines, IA, can feel overwhelming with countless options and terms. A trusted local mortgage broker like Midwest Family Lending simplifies it, ensuring you secure the best mortgage for your needs.

What is a Mortgage Broker?

A mortgage broker acts as an intermediary between you and lenders, accessing multiple financial institutions for better rates and terms than a single bank can offer. A local broker in Urbandale, like Midwest Family Lending, understands the market and provides tailored advice.

Why Choose a Mortgage Broker in Des Moines, IA?

1. Local Expertise for a Smooth Process

A local broker knows Des Moines’s property values, regulations, and community dynamics, ensuring a faster, easier process for buying or refinancing.

📍 Visit our Google Business Profile for more details.

2. Access to Multiple Lenders and Mortgage Options

Unlike banks, brokers work with various lenders, offering diverse options like conventional, FHA, or VA loans to match your financial goals.

The Best Mortgage Programs For You

3. Personalized Guidance Tailored to Your Needs

At Midwest Family Lending, we take time to understand your goals, offering tailored advice on loan options and explaining pros and cons for confident decisions.

4. Fast and Easy Mortgage Approvals

In a competitive market, speed matters. Our quick pre-approval process lets you focus on finding your dream home, not waiting for approval.

The Benefits of Working with Midwest Family Lending

Midwest Family Lending serves Urbandale and the Des Moines area with exceptional service:

• Experienced Team: Decades of expertise in the mortgage industry.
• Fast & Responsive Service: Quick, personalized assistance.
• Wide Range of Options: Loans for purchasing or refinancing.
• Local Knowledge: Helping neighbors achieve homeownership dreams.

Take the First Step Toward Homeownership in Des Moines, IA

Working with a local broker ensures personalized service and the best mortgage options. We guide you through the process with confidence.

Get Started Today!

📍 Visit us: 2753 99th Street, Urbandale, IA 50322

📞 Call us: (515) 252-7107

🌐 Learn more

Compliance Notice: Midwest Family Lending is an equal housing opportunity lender. All loans are subject to credit approval. NMLS ID: 4622.

Navigating the mortgage process in Des Moines, IA, can feel overwhelming with countless options and terms. A trusted local mortgage broker like Midwest Family Lending simplifies it, ensuring you secure the best mortgage for your needs.

What is a Mortgage Broker?

A mortgage broker acts as an intermediary between you and lenders, accessing multiple financial institutions for better rates and terms than a single bank can offer. A local broker in Urbandale, like Midwest Family Lending, understands the market and provides tailored advice.

Why Choose a Mortgage Broker in Des Moines, IA?

1. Local Expertise for a Smooth Process

A local broker knows Des Moines’s property values, regulations, and community dynamics, ensuring a faster, easier process for buying or refinancing.

📍 Visit our Google Business Profile for more details.

2. Access to Multiple Lenders and Mortgage Options

Unlike banks, brokers work with various lenders, offering diverse options like conventional, FHA, or VA loans to match your financial goals.

Explore our mortgage options.

3. Personalized Guidance Tailored to Your Needs

At Midwest Family Lending, we take time to understand your goals, offering tailored advice on loan options and explaining pros and cons for confident decisions.

4. Fast and Easy Mortgage Approvals

In a competitive market, speed matters. Our quick pre-approval process lets you focus on finding your dream home, not waiting for approval.

The Benefits of Working with Midwest Family Lending

Midwest Family Lending serves Urbandale and the Des Moines area with exceptional service:

• Experienced Team: Decades of expertise in the mortgage industry.
• Fast & Responsive Service: Quick, personalized assistance.
• Wide Range of Options: Loans for purchasing or refinancing.
• Local Knowledge: Helping neighbors achieve homeownership dreams.

Take the First Step Toward Homeownership in Des Moines, IA

Working with a local broker ensures personalized service and the best mortgage options. We guide you through the process with confidence.

Get Started Today!

📍 Visit us: 2753 99th Street, Urbandale, IA 50322

📞 Call us: (515) 252-7107

🌐 Learn more

Compliance Notice: Midwest Family Lending is an equal housing opportunity lender. All loans are subject to credit approval. NMLS ID: 4622.

Refinance Your Mortgage in Des Moines, IA: Start Saving Today!

For homeowners in Des Moines, IA, refinancing your mortgage is one of the smartest financial moves you can make. Whether your goal is to lower your monthly mortgage payment, secure lower interest rates, or access the equity in your home, mortgage refinancing offers a range of benefits. At Midwest Family Lending, we are committed to helping homeowners in Iowa make informed decisions and achieve their financial goals.

What is Mortgage Refinancing?

Mortgage refinancing involves replacing your existing home loan with a new one, typically with better terms. This could mean securing a lower interest rate, reducing your loan term, or even tapping into your home’s equity. For homeowners in Des Moines, refinancing can be a way to save money, achieve greater financial flexibility, or fund significant life goals.

Refinancing essentially resets your mortgage terms, but with the right planning and guidance, it can set you on a path to a more secure financial future. At Midwest Family Lending, our loan officers simplify the process to ensure you feel confident every step of the way.

Why Refinance Your Mortgage?

There are plenty of reasons why homeowners consider refinancing, and each situation is unique. One of the most common motivations is to secure lower interest rates. If current rates are lower than what you originally locked in, refinancing can save you thousands over the life of your loan. Lower interest rates mean reduced monthly payments and more money in your pocket.

Refinancing can also help homeowners reduce their monthly mortgage payment by extending the loan term. For example, switching from a 15-year mortgage to a 30-year mortgage can significantly lower monthly costs, freeing up cash for other financial priorities. On the other hand, if your goal is to pay off your home sooner, refinancing to a shorter loan term can save you on interest and help you build equity faster.

Another reason to refinance is to access your home’s equity through a cash-out refinance. This option is especially useful if you’re planning major expenses like home renovations, paying for college, or consolidating high-interest debt. With a cash-out refinance, you can use your home’s value to support your financial goals while maintaining competitive loan terms.

Understanding Your Refinancing Options

When it comes to mortgage refinancing, there’s no one-size-fits-all solution. Homeowners in Des Moines have access to a variety of options depending on their financial situation and goals. One popular choice is a rate-and-term refinance, which focuses on changing the interest rate or the duration of the loan. This option is ideal if you want to save money on interest or adjust the length of your loan.

For those looking to tap into their home equity, a cash-out refinance is a great choice. This type of refinancing allows you to borrow against the value of your home while securing a new loan. It’s perfect for homeowners who need a lump sum for significant expenses or debt consolidation.

Another option is streamline refinancing, designed for FHA or VA loan holders. This is a faster, less expensive way to reduce your interest rate or monthly payments, making it an excellent choice for eligible borrowers.

Is Refinancing Right for You?

Deciding whether to refinance your mortgage depends on several factors. First, it’s essential to evaluate your current loan terms and compare them with today’s rates. If you’re paying a higher interest rate than what’s currently available, refinancing could lead to significant savings.

Your credit score also plays a critical role in determining whether refinancing is the right move. A strong credit score will help you qualify for the best rates and terms. If your credit has improved since you took out your original mortgage, you’re likely in a good position to refinance.

It’s also important to calculate the break-even point, which is how long it will take for your savings to offset the costs of refinancing. If you plan to stay in your home long enough to reach this point, refinancing is a smart choice.

Finally, consider your financial goals. Whether you want to save on monthly payments, pay off your home faster, or fund a major expense, refinancing can align your mortgage with your long-term plans. Midwest Family Lending offers personalized guidance to help you determine if refinancing is right for you.

How Midwest Family Lending Can Help

At Midwest Family Lending, we understand the unique needs of homeowners in Des Moines, IA. Our team is dedicated to helping you navigate the refinancing process with confidence. From evaluating your options to securing the best rates, we are here to provide expert advice tailored to your goals.

We take pride in offering personalized mortgage refinancing options that align with your financial priorities. Whether you’re exploring a rate-and-term refinance, cash-out refinance, or streamline refinance, our team will ensure a smooth and stress-free experience. As a trusted local lender, we are familiar with the Des Moines market and committed to helping you make informed decisions.

Start Your Refinancing Journey Today

Refinancing your mortgage is more than just a financial transaction—it’s an opportunity to secure a brighter financial future. By reducing your interest rates, lowering your monthly mortgage payment, or accessing your home’s equity, you can take control of your finances and achieve your goals.

If you’re ready to explore mortgage refinancing options in Des Moines, IA, contact Midwest Family Lending today. Our experienced team is here to answer your questions, guide you through the process, and help you start saving now. Let us show you how refinancing can transform your financial outlook.

Introduction

As 2024 draws to a close, there’s still time for Des Moines homeowners to take advantage of refinancing opportunities. Whether you’re looking to reduce monthly payments, access your home’s equity, or adjust your loan term, refinancing can be a powerful tool to help achieve your financial goals.

In this guide, we’ll explore why refinancing now can still be beneficial, key considerations for the end of the year, and how Midwest Family Lending can assist you in maximizing your refinancing options.

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1. Why Refinance Before the End of 2024?

Lock in Potential Savings Before Rates Shift

Interest rates can fluctuate as economic conditions change, and even small rate reductions can significantly impact your monthly payments. Refinancing now allows you to lock in potential savings before rates shift again.

Utilize Your Home Equity

Des Moines homeowners have enjoyed steady home values in 2024, resulting in substantial equity gains. A cash-out refinance lets you access that equity for home improvements, debt consolidation, or other financial needs, positioning you for a stronger start to 2025.

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2. Refinancing Options for Des Moines Homeowners

Rate-and-Term Refinance

This option is perfect for those looking to reduce their interest rate or adjust the term of their loan. With improved credit scores or lower rates than when you first financed, this approach can save you money over the life of your loan.

Cash-Out Refinance

A cash-out refinance allows you to borrow against your home’s equity to fund major expenses like home renovations, college tuition, or paying off high-interest debt.

FHA and VA Streamline Refinance

If you have an FHA or VA loan, streamline refinancing options can make the process quick and efficient, often with less paperwork. Midwest Family Lending can help you explore these time-saving options before the year ends.

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3. Key Considerations for Refinancing Before Year-End

Upfront Costs vs. Long-Term Savings

Refinancing involves upfront costs, such as appraisal and closing fees, but the long-term savings often outweigh these expenses. A trusted mortgage broker like Midwest Family Lending can help you analyze whether refinancing is the right financial move for you.

Timing the Market

Interest rates are subject to change, especially as we approach year-end. Acting now ensures you can take advantage of today’s rates before potential shifts in 2025.

Credit Score Improvements

If your credit score has improved since your initial mortgage, you may qualify for better rates and terms. Refinancing before the end of 2024 could lock in those benefits now.

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4. How to Start Your Refinancing Journey Before 2024 Ends

Partner with a Local Mortgage Broker

A knowledgeable local mortgage broker understands the Des Moines market and can provide personalized advice to make refinancing stress-free. Midwest Family Lending specializes in helping homeowners take advantage of refinancing opportunities before the year ends.

Schedule a Mortgage Review

Understanding your current mortgage terms is crucial to assessing refinancing benefits. Midwest Family Lending offers free mortgage reviews to help you uncover potential savings or equity access opportunities.

Prepare Your Documentation Early

Refinancing requires income verification, bank statements, and credit checks. Preparing these documents now can help you close your refinance quickly.

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Conclusion: There’s Still Time to Refinance in 2024

If you’ve been considering refinancing, there’s no better time than now to act. With rates potentially changing in 2025 and year-end equity opportunities, refinancing can help you start the new year on a stronger financial footing. Midwest Family Lending is here to guide you every step of the way, providing local expertise and tailored solutions to make refinancing simple and beneficial.

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Ready to Get Started?

Don’t wait—contact Midwest Family Lending today to explore your refinancing options before 2024 ends. Let’s work together to help you achieve your financial goals and start 2025 with confidence.

When it comes to buying a home or refinancing, finding the right mortgage solution is key to a smooth, stress-free experience. With so many options, you may be wondering why you should choose a local mortgage broker in Des Moines over a larger, national lender. In this post, we’ll break down the benefits of working with a mortgage broker who truly understands the Des Moines market and how Midwest Family Lending can help you achieve your homeownership dreams.

1. Local Market Knowledge

• A mortgage broker based in Des Moines knows the ins and outs of the local real estate market. From understanding neighborhood trends to identifying the right loan programs, a local broker is equipped with unique insights that can make a difference in your home-buying journey.
• Example: In Des Moines, there are specific areas with rapid growth, popular for first-time homebuyers. A local broker can guide you through options tailored to these neighborhoods, helping you maximize your investment.

2. Personalized Service

• Unlike national lenders, a local mortgage broker offers a personal touch. Brokers in Des Moines take the time to understand your unique financial goals and work closely with you to find loan options that meet your needs.
• At Midwest Family Lending, we take pride in getting to know each client, ensuring you feel supported and confident in every decision you make.

3. Access to a Range of Loan Products

• Mortgage brokers have access to a variety of loan products and lenders, providing you with more options than you might find at a traditional bank. This can be especially beneficial if you’re looking for specific types of loans, such as FHA, VA, or USDA loans, that might better suit your financial situation.
• Example: Whether you’re a first-time buyer or looking to refinance, Midwest Family Lending can connect you with programs suited to your needs, ensuring you get the most favorable terms.

4. Simplified, Faster Process

• The home loan process can be complex, but with a local mortgage broker in Des Moines, you’ll benefit from a streamlined approach. Brokers manage all aspects of the application, handling paperwork, coordinating with lenders, and keeping you updated every step of the way.
• At Midwest Family Lending, we handle the details so you can focus on finding your perfect home. Our experience in the Des Moines area helps us move quickly and efficiently to close your loan on time.

5. Better Support for Refinancing

• If you’re a homeowner looking to refinance, a local broker can be especially beneficial. Refinancing offers opportunities to lower monthly payments, shorten your loan term, or access your home’s equity. A broker in Des Moines can evaluate your current mortgage situation and help determine if refinancing is right for you.

Conclusion: Partner with a Trusted Mortgage Broker in Des Moines

When it comes to something as significant as a home loan, having a knowledgeable, supportive broker on your side makes all the difference. Midwest Family Lending is here to make your mortgage experience smooth and successful. We’re committed to providing Des Moines homeowners with the personalized service and expertise you deserve.

Call to Action: Ready to start your journey? Contact Midwest Family Lending, your trusted mortgage broker in Des Moines, and let’s explore how we can help you achieve your homeownership goals!

Introduction

HDSA Iowa chapter is dedicated to providing support, resources, and hope to individuals and families affected by Huntington’s Disease (HD) in Iowa. Their mission is to improve the lives of everyone impacted by HD through community involvement, education, and advocacy. This blog will explore what Huntington’s Disease is, highlight the chapter’s activities, and provide information on how to get involved.

Understanding Huntington’s Disease

Huntington’s Disease is a genetic disorder that causes the progressive breakdown of nerve cells in the brain. This leads to the deterioration of physical and mental abilities, usually during prime working years, and currently, there is no cure. It has been described as having ALS, Parkinson’s and Alzheimer’s at the same time. Symptoms can include mood swings, depression, irritability, and problems with coordination and cognition. As the disease progresses, individuals may experience significant challenges in daily living.

It’s Personal

The family of Eric Smith is personally affected by HD. They have seen the challenges, hardships, and pain this terrible disease can spread throughout a family.  Eric has two siblings whose lives were shortened because of HD and has another sibling in the final stages. Through education, advocacy, and research the Smiths feel like there is hope.  A breakthrough for an HD cure is on the horizon!  Thus, changing the course of life for the Smiths and other HD families.

About the HDSA Iowa Chapter

The Huntington’s Disease Society of America (HDSA) Iowa Chapter is part of a national network committed to helping those affected by HD. They provide a range of services and resources, most of these are provided through The University of Iowa Center of Excellence

• Support Groups: Regular meetings where individuals and families can share experiences and support each other.
• Educational Programs: Workshops and seminars to inform the community about HD and its impact.
• Advocacy: Efforts to raise awareness and influence public policy to improve the lives of those with HD.
• Fundraising Events: Activities such as the Team Hope Walk and golf tournaments to raise funds for research and support services.

Community Involvement

The chapter thrives on the involvement and support of the community. Whether directly affected by HD or simply wanting to make a difference, there are many ways to get involved:

• Volunteer: Help out at events, join a committee, or assist with administrative tasks.
• Donate: Contributions go directly towards funding research and support services.
• Participate in Events: Join fundraising events to show support and help raise awareness. Upcoming Grahlman Golf Tournament on August 10, 2024

How You Can Help

There are many ways to support the HDSA Iowa Chapter and make a difference in the lives of those affected by HD:

• Spread Awareness: Share information about HD and the chapter with friends and family.
• Attend Events: Participate in local events to show support.
• Advocate: Join advocacy efforts to influence public policy and increase funding for HD research.

Conclusion

The HDSA Iowa Chapter is here to support, educate, and advocate for those affected by Huntington’s Disease. Together, they can make a difference and bring hope to the community. Stay connected through the chapter’s website and social media channels for updates on events, resources, and ways to get involved.

MFLCares about HDSA-IA

MFLCares is a program of Midwest Family Lending, a local mortgage company committed to creating customers for life and making positive community impact. Through MFLCares, we support and promote central Iowa charities. Check out our website to learn about the incredible organizations that are making a positive impact in our central Iowa communities!