How much house can you afford in Des Moines? See your maximum price, monthly payment and pre-approval estimate. Free, instant, no credit check.
Updated · current rates and lending limits
Add your partner's income if you're buying together.
Car loans, credit cards, lines of credit, student loans. Not rent.
Enter your yearly household income.
Savings and gifts from family count. Many first-time buyer loans need just 3% down; under 20% you pay mortgage insurance.
7.40% (Freddie Mac 30-year average, October 2026). Change it if you've been quoted a rate.
Enter your down payment.
| After | Paid in total | Still owed |
|---|
New American Funding - Dane Eischeid
5.0 · 210 reviews · Free pre-approval
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Chris Weihe Vazquez - Mortgage Loan Officer
5.0 · 166 reviews · Free pre-approval
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Halo Capital
4.9 · 124 reviews · Free pre-approval
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An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.
Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →
New American Funding offers a user-friendly digital portal that helps clients manage their mortgage applications with ease. The team provides purchase and refinance loan options, guiding borrowers through each step with clear explanations and responsive support. Customers appreciate their patience and thoroughness, especially first-time homebuyers.
Specializing in mortgage lending with a focus on clear communication, this team supports homebuyers through every step, including Spanish-speaking clients. They work closely with real estate agents to keep the process smooth and are known for being patient and responsive, though some find the process naturally stressful at times.
Halo Capital focuses on making the mortgage process smooth and understandable, with agents who take time to explain options clearly. They assist with various loan scenarios and often help clients close faster than expected. Customers appreciate their accessibility and professional guidance throughout the entire experience.
New American Funding - Isaac Young focuses on providing efficient and straightforward mortgage solutions. The team helps clients navigate loan options with clear guidance and expertise, aiming to secure the best possible assistance. Customers appreciate the smooth process and responsive support throughout their experience.
Teion Sales, licensed under NMLS# 2099471, offers personalized mortgage lending through Lincoln Savings Bank, focusing on clear communication and detailed guidance. The team handles everything from first-time homebuyer questions to complex loan processes, with clients appreciating their responsiveness and thoroughness throughout each step.
With nearly two decades of experience, ProLending Home Finance offers a clear, step-by-step mortgage process tailored to a variety of loan types, including VA, FHA, and jumbo loans. Clients appreciate the team’s thorough communication and accessibility, though some note the process can require patience as details are carefully managed.
New American Funding offers specialized mortgage solutions like FHA, VA, and conventional loans, along with unique programs such as NAF Cash and homebuyer assistance. The team handles the loan process from start to finish, with clients often appreciating their clear communication and supportive approach, though some note the process can take time.
Lenders made 7,647 home-purchase loans in Polk County in 2025 (average about $297,000) and denied 627 — 8% of decided applications, compared with 9% across Iowa, according to federal mortgage data (HMDA, CFPB). In Des Moines, the median home is worth $194,700 and 68% of owners have a mortgage, paying a median $1,485 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Polk County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.
| # | Business | Rating | Reviews | Starting price | Phone | Website |
|---|---|---|---|---|---|---|
| 1 | New American Funding - Dane Eischeid | 5.0 | 210 | — | (515) 444-7471 | Visit |
| 2 | Chris Weihe Vazquez - Mortgage Loan Officer | 5.0 | 166 | — | (515) 214-6888 | Visit |
| 3 | Halo Capital | 4.9 | 124 | Quoted per loan | (515) 974-6908 | Visit |
| 4 | New American Funding - Isaac Young | 5.0 | 86 | — | (515) 238-8844 | Visit |
| 5 | Teion Sales: NMLS# 2099471 Mortgage Lender at Lincoln Savings Bank | 5.0 | 30 | Quoted per loan | (319) 874-4246 | Visit |
| 6 | ProLending Home Finance | 4.9 | 30 | Quoted per loan | (515) 225-3100 | Visit |
| 7 | New American Funding - Des Moines, IA | 4.6 | 16 | — | (515) 209-3473 | Visit |
Lenders look at your debt-to-income ratio. Housing costs (principal and interest, property tax, homeowners insurance and mortgage insurance) should stay under about 31% of your gross monthly income, and housing plus your other monthly debts under 43%. The calculator finds the highest home price that passes both tests with your down payment, on a 30-year fixed loan.
An estimate, not a mortgage approval or pre-approval. Your credit, income type, the property and the lender all change the answer; a mortgage broker confirms your real number. Sources: Freddie Mac Primary Mortgage Market Survey (October 2026), U.S. Census Bureau American Community Survey 2024 property tax data, FHA and CFPB debt-to-income guidance.
General information, not financial advice — consult a qualified professional.