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.
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.
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.
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.
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.
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.
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.
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
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.