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2024

Last updated:

Best Mortgage Brokers in Des Moines

Our Recommended Top 14

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Des Moines Mortgage Brokers on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

61

Reviewed

42

Curated

14

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
1350 Hannah Lane, Waukee, IA 50263
  • Refinance

Why choose this provider?

First Rate Mortgage is a mortgage broker company established in 1998. It offers home purchase and refinancing mortgage services to clients in Des Moines. As an independent mortgage agency, it represents several companies allowing its mortgage professionals to assist clients in exploring loan options and in selecting the plan that fits the clients' mortgage needs. First Rate Mortgage is locally owned and locally operated. It is an equal housing lender with a lending integrity seal of approval from NAMB.

License Verified:

License: 2667

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (24)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
6750 Westown Parkway, West Des Moines, IA 50266
  • New Construction
  • Refinance

Why choose this provider?

Wintrust Mortgage is a provider of mortgage financing solutions for clients in Des Moines. Located in Rosemont, it has been one of the largest retail mortgage originators and loan servicers in the country since 1979. It offers a wide range of mortgage programs, including conventional loans, adjustable-rate mortgages, VA loans, FHA loans, and down payment assistance programs. Its services are available to first-time homebuyers, existing homeowners, as well as seasoned veterans.

License Verified:

License: 449042

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (93)
Google
5.0 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
5550 Wild Rose Lane, West Des Moines, IA 50266
  • Refinance

Why choose this provider?

Satori Mortgage offers brokerage services to residents of Des Moines and the surrounding communities. It offers several programs for first-time homebuyers and people looking to refinance. Some of its loan products include FRMs, ARMs, hybrid ARMs, FHA loans, VA loans, and interest-only mortgages. People looking to consolidate their debt or reduce their interests or payments can also take advantage of several refinancing programs available. Satori Mortgage also has a mobile app that allows clients to monitor their mortgages and communicate securely with their loan officer and Realtor.

License Verified:

License: 1754621

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2
Facebook
4.0 / 5 (15)
Google
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
3501 Westown Parkway, West Des Moines, IA 50266
  • New Construction

Why choose this provider?

HomeServices Lending is a full-service mortgage company specializing in residential and refinance loans in West Des Moines. It offers a range of mortgage products, such as fixed and adjustable-rate mortgages, FHA loans, VA loans, jumbo loans, and renovation financing. It also has unique programs like the rapid close program, the good neighbor next door, wedding gift funds, and real estate investor loans. The professionals at HomeServices Lending aim to create a positive customer experience.

License Verified:

License: 490683

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
3.8
Facebook
4.0 / 5 (38)
Google
1.0 / 5 (3)

Website
1408 Locust Street, Des Moines, IA 50309
  • Refinance
  • Reverse Mortgages

Why choose this provider?

Sam Leahy is a mortgage loan officer serving clients in Des Moines and the surrounding areas. He offers mortgage loans like home purchase, cash-out refinance, conventional loans, VA loans, FHA loans, and jumbo loans. Sam Leahy and his team help first-time homebuyers, move-up and second home buyers, refinancing homeowners, real estate investors, and reverse mortgage-seeking seniors. They are committed to making their clients get hassle-free and affordable mortgages. Previous clients have commended Leahy and that they were happy with their responsive and helpful services.

License Verified:

License: 1218416

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Google
4.0 / 5 (14)
Facebook
5.0 / 5 (8)

Website
2753 99th Street, Urbandale, IA 50322
  • Refinance

Why choose this provider?

For over 25 years, Midwest Family Lending has been helping people in Des Moines achieve their homeownership goals. Its local office is open for families and individuals looking for mortgage options, such as conventional, FHA, VA, and USDA loans. In addition, the independent mortgage company works with multiple lenders to offer clients construction, remodeling, and refinancing loans. Midwest Family Lending gives back to the community through its MFLCares program. This initiative allows employees to choose a cause to support each month.

License Verified:

License: 4622

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
5.0 / 5 (241)
Facebook
4.0 / 5 (118)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
2.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
2755 106th Street, Urbandale, IA 50322
  • Refinance

Why choose this provider?

Mortgage Producers Inc. has been catering to the mortgage needs of Des Moines and its neighboring metros for over 20 years. It helps clients find and access residential home loans across several mortgage lenders. It offers a broad range of loan programs, including VA, USDA, FHA insured loans, as well as conventional and special home-equity loans. It also has serves homeowners who want to refinance their current mortgage. Its founders, Steve Duckett and Nick Tornabane, started as co-workers in the field of banking and after that established the company.

License Verified:

License: 1680

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (28)
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2370 Northwest 128th Street, Urbandale, IA 50322
  • Refinance

Why choose this provider?

Brian Houk is a mortgage broker at Homeside Financial, LLC, who serves clients in Des Moines. He offers a wide range of mortgage loan options for homeowners and homebuyers, including adjustable-rate mortgages, 80/20 loan programs, condominium loans, and construction-to-permanent loans. Homeside Financial has been listed in the top 100 mortgage companies and has opened 17 new branches in 2020. The firm's loan officers have closed more than 34,000 loans. Mike Baynes, Grayson Hanes, and Chris Miller are the founders of Homeside.

License Verified:

License: 1500967

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (35)
Facebook
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
3839 Merle Hay Road, Des Moines, IA 50310
  • Reverse Mortgages

Why choose this provider?

Halo Capital is a mortgage financing company that caters to the needs of the Des Moines community and the surrounding localities. The firm assists first-time and experienced homebuyers in fulfilling their home purchase goals by providing home mortgage loans. Its mortgage brokers partner with several lenders and help clients choose the right home loan akin to their needs. Some of the conventional loans it offers are fixed-rate, adjustable-rate, combination, jumbo, and reverse mortgages. The company has been operating for over 15 years.

License Verified:

License: 5853

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (58)
Facebook
5.0 / 5 (39)
Yelp
4.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1603 22nd Street, West Des Moines, IA 50266
  • Refinance

Why choose this provider?

Brian Swanson is a branch manager at Inlanta Mortgage, Inc., which serves clients in Des Moines. His team of mortgage loan officers offers various loan programs for homebuyers and homeowners, such as conventional mortgage, construction, FHA, VA, and USDA home loans. Swanson has also previously worked as a bank manager, mortgage consultant, and president of a mortgage company. As an independent lender, Inlanta Mortgage also offers local bond programs depending on the location of borrowers.

License Verified:

License: 400119

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (18)
Yelp
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
10554 Justin Drive, Urbandale, IA 50322
  • Refinance

Why choose this provider?

Kyra Sommerville Moore is a loan originator with Novus Home Mortgage, catering to clients in the Des Moines area for almost two decades. She offers a wide variety of government loans such as FICO 620, FHA, VA, USDA, jumbo, and fixed loan programs. Freddie Mac Home Possible and Fannie Mae HomeReady conventional loans are available. Her team uses a digital five-step loan process for mortgages. Moore is an affiliate of Homes for Heroes and helps the Mosaic Charity.

License Verified:

License: 31980

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Google
4.0 / 5 (50)
Facebook
5.0 / 5 (40)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
1200 Southwest State Street, Ankeny, IA 50023
  • Refinance

Why choose this provider?

One Source Mortgage, Inc., is a mortgage brokerage company serving Des Moines and the surrounding communities. It connects clients to loan providers offering 15-year and 30-year fixed, FHA, VA, USDA, and jumbo loans. The company guides homeowners in determining suitable loan options based on their employment and credit histories, savings, debts, and down payment abilities. First-time buyers can take advantage of various loan programs designed to help them acquire their dream homes.

License Verified:

License: 19081

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (19)
Google
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
6917 Vista Drive, West Des Moines, IA 50266
  • Refinance

Why choose this provider?

Land Home Financial Services, Inc., serves Des Moines and its neighboring communities. Established in 1998, it assists homebuyers and clients looking to refinance an existing mortgage. The company offers products including FHA, VA, USDA, and jumbo loans. It also provides down payment assistance and loans for manufactured homes. Renovation loans and reverse mortgages are likewise available. Land Home Financial Services works with mortgage brokers and real estate agents and extends its services across the United States.

License Verified:

License: 1650924

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (70)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
177 South Jordan Creek Parkway, West Des Moines, IA 50266
  • New Construction
  • Refinance

Why choose this provider?

Based in West Des Moines, Shannon Thome is a home loan specialist who is part of Fidelity Bank, a lending firm under the Federal Deposit Insurance Corporation. Whether clients are purchasing their first homes, refinancing outstanding mortgages, or having new homes constructed, she can help them select from a wide range of financing options such as bridge, lot, new construction, home equity, and remodel loans. Shannon also offers a full range of commercial loan products, Purchase, Bridge Loans and Renovation Loans.

License Verified:

License: 51051

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (76)
Facebook
5.0 / 5 (62)
Yelp
5.0 / 5 (62)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • Introduction

    It’s the American dream to buy property, and almost everyone who purchases a home does so with the help of a mortgage broker. It can be intimidating when you don’t know where to begin, what information is necessary, and how to receive a loan. A mortgage broker acts as an intermediary between the applicant and the financial institution.


    The mortgage broker’s role includes comparing loan terms across lenders to find applicants the best options, collecting paperwork the financial institution needs to analyze the application, and guiding the buyer through the underwriting and closing processes. Mortgage brokers can significantly simplify the home buying process.

  • Can mortgage brokers work across state lines?

    Yes, mortgage brokers can work across state lines. However, each state has different licensing requirements for mortgage brokers. Customers should ensure their broker can legally work in another state before going across state lines. Lastly, don’t forget the mortgage process is often time-sensitive, so being in different time zones can be problematic.

  • How do mortgage brokers find lenders?

    Mortgage brokers work independently and act as a bridge between the client and the lender. They reach out to several lenders to form a network and build professional relationships with those they work with often. They use lenders who best meet a client's rates and terms, and some lenders only do business through mortgage brokers.  

  • What credit score do mortgage brokers use?

    There are two credit scoring models in the United States: FICO and VantageScore. Mortgage lenders typically prefer to use FICO. However, each credit bureau uses a different version of the FICO score:

    • Experian uses FICO Score 2
    • Equifax uses FICO Score 5
    • TransUnion uses FICO Score 4

  • Do mortgage brokers help with refinancing?

    Yes, mortgage brokers can help with refinancing. Individuals who have a solid credit score will typically go to their bank to refinance their mortgage. However, if you don't have excellent credit, a mortgage broker may be able to secure you a better interest rate than you could get on your own.

    You pay a fee to the mortgage broker, so you'll want to consider this fee versus your savings in your cost-benefit analysis.
  • Can you work with two mortgage brokers?

    You can definitely work with two mortgage brokers. The advantage of using multiple brokers is that you'll have two people reaching out to several lenders to secure the best rate possible. However, you must ensure you provide matching information to all your brokers. If two brokers provide mismatched information about your application to the same lender, it can send off red flags and delay your approval process.

  • Do mortgage brokers get better deals?

    Yes, a mortgage broker should be able to get you a better deal. Mortgage brokers go to several lenders on your behalf and find the one with the best terms and interest rates. However, note that some mortgage brokers have preferred lenders. A broker may bring you their preferred lender's offer, even if it's not the best one; however, this isn't a regular practice.