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Iowa Mortgage

If you need a home mortgage for a property located in Iowa, Nationwide has attractive home loans with low rates. We have helped thousands of consumers in the Mid-West become homeowners with our unique first time home buyer incentives. Nationwide does not believe that low credit scores or past bankruptcies should pose a threat to your ability to buy or refinance a home. Shop and compare 15, 30 and 40-year mortgage rates by state, loan quotes, news articles and for helpful insight for consumers in Iowa.

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Many first time home buyers in the Mid-West choose Nationwide's website for securing an affordable Iowa mortgage loan. There are no up-front fees or obligation to get quotes from loan companies online. Refinancing or adding another loan can help your credit rebound, and will often increase your credit scores with timely payments.

  • Combine 1st & 2nd mortgage loans into 1 mortgage
  • Wipe out charge cards that have revolving debt
  • Consolidate all your bills into one lower mortgage payment
  • Refinance your existing 2nd mortgage
  • Save Money by Refinancing High Interest Debt
  • Interest Only Mortgage Options
  • Convert your adjustable rates to a Fixed Rate Loan
  • Rebuild your credit & Raise your Scores
  • Get Money from Refinancing or Credit Lines
  • Finance Home Improvements
  • Refinance your home equity line of credit
Mortgage Rates for Iowa

Des Moines

Rapid City

Cedar Falls

Check on today's interest rates for buying or refinancing. Compare loans and terms from Iowa mortgage lenders that have experience with the types of financing that you need help with.


Mortgage Terms to Know for the Loan Process

Conventional Loan

Second Mortgage

Home Equity Line of Credit

A mortgage loan not insured by FHA or guaranteed by the VA. Fannie Mae sets the conforming loan amounts and for 48 states any loan amount under $417,000 for 1-4 unit properties. For more information and guidelines by state, please visit

A fixed or adjustable rate loan, secured by the equity in your home. Interest is usually tax-deductible to 100% CLTV. Often used for home improvement or freeing of equity for investment in other real estate or investment. Great loan for refinancing to replace or substitute for consumer loans whose interest is not tax-deductible like credit card debt and personal loans.

A loan providing you with the ability to borrow funds at the time and in the amount you choose, up to a maximum credit limit for which you have qualified. Repayment is secured by the equity in your home. Simple interest (interest-only payments on the outstanding balance) is usually tax-deductible. Often used for home improvements, major purchases or expenses, and debt consolidation.

HUD I Settlement Statement Fixed Rate Mortgage Refinance

A form utilized at loan closing to itemize the costs associated with purchasing the home. Used universally by mandate of HUD, the Department of Housing and Urban Development.

A mortgage loan with an interest rate that is fixed for the term of the loan. Monthly payments are fixed evenly for a specific term.

Obtaining a new mortgage loan on a property already owned. Often to replace existing loans on the property.

FICO score

Good Faith Estimate

Negative Amortization

A FICO score is a credit score developed by Fair Isaac & Co. Credit scoring is a method of determining the likelihood that credit users will pay their bills. Scoring has become widely accepted by lenders as a reliable means of credit evaluation

A written estimate of closing costs which a lender must provide you within three days of submitting an application.

Occurs when your monthly payments are not less than the interest due. This unpaid interest is added to the unpaid balance of the loan. The danger of negative amortization is that the homebuyer ends up owing more than the original amount of the loan.

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Loans cannot be made online or be approved without an underwriter analyzing your credit score, debt to income ratio and combined loan to value.

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