Helping Iowans Become Homeowners
Homeownership is Beautiful.
So is a Clear Plan.
2024 Broker of the Year | NMLS #1622760 | Des Moines Mortgage Expert | Award-winning mortgage guidance for Iowa buyers.- English & Español
Marlen Maddux - Mortgage Loan Officer
American Pacific Mortgage (NMLS #1850)
3917 121st St
Urbandale, IA 50323
Phone: (515) 865-0245
NMLS: #1622760
Marlen's Story Is Your Head Start
Born in Honduras raised in Iowa - I understand the American dream and the challenges facing immigrant families.
With 8+ years as a Des Moines mortgage broker serving Urbandale, West Des Moines, and Ankeny, I know our local market inside and out. As your Central Iowa lending specialist,
I understand the unique challenges of Iowa home loans and work to make homeownership accessible for every family.
Your mortgage, tailored to your plan.
As a Branch Manager & Loan Officer (NMLS 1622760) at American Pacific Mortgage, I'm your dedicated Urbandale mortgage specialist offering Iowa home loans tailored to Central Iowa families.
Whether you need West Des Moines real estate financing or FHA loans throughout the metro, I provide the full menu of programs that fit your life.
Our focus? Clarity first—keys next.
Billingual Services (¡Servicios en Español!)
Complete mortgage services in Spanish from application to closing. No translation needed - I'll personally guide you through every document, every step, ensuring you understand and feel confident in your home buying decisions.
Awards & Recognition
NAMB Broker of the Year 2024
Recognized by the National Association of Mortgage Broker as 2024 Broker of the Year - the highest honor in our industry for excellence in client service and loan production.
American Pacific Mortgage Top Producer
Consistently ranked among APM's top loan officers nationwide, helping hundreds of Iowa families achieve homeownership annually.
4.98/5 Customer Rating
Trusted by families with an outstanding 4.98/5 customer satisfaction rating through American Pacific Mortgage
First-Time Buyer Friendly
As a Des Moines mortgage broker specializing in first-time buyers, I help Central Iowa families achieve homeownership through FHA, VA, USDA, and ITIN loans. With 8+ years of local expertise as an Urbandale mortgage specialist, I'll guide you from application to keys in hand with personalized Iowa home loans.
Personalised Sessions
I offer tailored one-on-one sessions to address your financial strengths and weaknesses, guiding you every step of the way towards home ownership success.
Lastest Listings and Market Opportunities
With my industry connections, you gain access to current listings and real estate trends. This insider access keeps you informed about new properties and market conditions, helping you make a timely, informed purchase.
Iowa Home Loan Programs
As your Central Iowa lending specialist, I offer comprehensive mortgage solutions including FHA, VA, USDA, conventional, and jumbo loans tailored for Des Moines area buyers.
Access to an Exclusive Community
Join a thriving community of home owner's for support, knowledge sharing, and ongoing motivation to continue your home buying journey.
TESTIMONIAL
What Our Clients Say About Me
Hear how I helped clients achieve their home buying goals.
Sarah T.
"She was and is PHENOMENAL to work with! She is an angel sent from God and an answer to my prayers... I can safely say that I am a homeowner! I would recommend anyone looking to purchase a home to work with Marlen because she will do everything possible to take care of her clients!"
- Neema M., Waukee, IA
John M.
"Marlen Maddux is an excellent loan officer, very patient and always informed me about any details on my application process. Amazing person always trying to help her clients."
- First-time Homebuyer, Des Moines, IA
Emily R.
"Marlen was extremely professional and helpful throughout the home buying process... Her communication with me was timely and kept in touch every step of the process."
- Luis S., Des Moines, IA
FAQ
Frequently Asked Questions
Everything you need to know about my service and what I can offer
How long does pre-approval take?
I provide pre-approval decisions within 24 hours of receiving your complete application. In urgent situations, I can often provide same-day pre-approval for qualified borrowers.
Do you help with ITIN mortgages for borrowers without Social Security numbers?
Yes! I specialize in ITIN mortgages for borrowers without Social Security numbers. These programs require 10-20% down payment, 2 years of tax returns, and stable income documentation.
Can you help if I've been denied elsewhere?
Absolutely. Many clients come to me after being denied by other lenders. With my expertise and American Pacific Mortgage's diverse loan programs, I often find solutions others miss.
Do you serve the entire Des Moines metro area?
Yes! As a Des Moines mortgage broker, I provide Iowa home loans throughout Central Iowa including Des Moines, West Des Moines, Urbandale, Ankeny, Johnston, and surrounding communities.
What makes you different from other Central Iowa lending options?
As an Urbandale mortgage specialist with 8+ years of local experience, I understand the unique aspects of West Des Moines real estate financing and can navigate local market conditions that out-of-state lenders might miss.
About Marlen
I'm Marlen Maddux, your Des Moines mortgage expert and 2024 NAMB Broker of the Year winner. Born in Honduras and proud to call Iowa home since 1998, I understand the challenges and dreams of immigrant families seeking homeownership in America.
With NMLS #1622760, I'm licensed in Iowa, Indiana, and Minnesota, specializing in FHA, VA, USDA, and ITIN mortgage programs. As Branch Manager at American Pacific Mortgage (NMLS #1850) in Urbandale, I've helped over 500 families achieve homeownership while maintaining a 4.98/5 customer satisfaction rating.
My passion is turning renters into homeowners and creating generational wealth for families in our Des Moines community.
Whether you're a first-time buyer seeking Des Moines mortgage broker expertise, a military family needing VA loans, or require ITIN mortgage assistance, I'm here to make homeownership possible. As your trusted Urbandale mortgage specialist, I provide comprehensive Iowa home loans and West Des Moines real estate financing solutions that create generational wealth for Central Iowa families.
Service Areas - Central Iowa Lending Specialist
As your trusted Des Moines mortgage broker, I provide comprehensive Iowa home loans throughout Central Iowa:
Primary Service Areas
Des Moines - Comprehensive mortgage solutions for urban homebuyers
West Des Moines - Specialized West Des Moines real estate financing
Urbandale - Local Urbandale mortgage specialist services
Ankeny - Growing community home loan expertise
Extended Coverage
Johnston - Suburban family financing solutions
Polk City - Rural and suburban loan programs
Clive - Luxury home financing expertise
All of Central Iowa - Serving the greater metro area
Licensed in Iowa, Indiana, and Minnesota with deep local market knowledge.
Capture Your Dream Home
Community Engagement
IES Presentation 2024 Strategies to differentiate your business
Presentation at the Immigrants Entrepreneurial Summit on the 16th of November 2024. Sharing her story of Marlenmadduxhomes.com She shares how she connects largely with the community.
Connecting with the community at the African Youth Summit 2024
I share my journey with African Youth and their mentors at an annual African Youth Summit 2024 edition in Des Moines, Iowa.
English & Español
My Promise to You
I help homebuyers in the Des Moines metro get clear on their options and confident about next steps—without the jargon. I’m currently a Mortgage Lender at American Pacific Mortgage (NMLS 1850) and I share quick tips and resources here. Opinions are my own.
Ready to Take Control of
Your Future?
Book your appointment today and let us guide you towards your home buying success!
Book your appointment today and let us guide you towards consistent success in the markets. Get started now and unlock your true potential!
Marlen Maddux - Mortgage Loan Officer
American Pacific Mortgage (NMLS #1850)
3917 121st St
Urbandale, IA 50323
Phone: (515) 865-0245
NMLS: #1622760
© Copyright 2025. Marlen Maddux LLC. All Rights Reserved.