Buy Your First Home in Des Moines with an FHA Loan
Low Down Payment (3.5%) & Flexible Credit Requirements.
Marlen Maddux - Mortgage Loan Officer
American Pacific Mortgage (NMLS #1850)
3917 121st St
Urbandale, IA 50323
Phone: (515) 865-0245
NMLS: #1622760
Why Choose an FHA Loan?
The FHA (Federal Housing Administration) loan is the #1 choice for first-time home buyers in Iowa. Unlike big banks that demand 20% down and perfect credit, FHA is designed for real life.
Your mortgage, tailored to your plan.
✅ Low Down Payment: Only 3.5% down required.
✅ Credit Friendly: We accept scores as low as 580 (sometimes lower).
✅ Gift Funds: Your down payment can be a gift from family or a grant.
✅ Assumable Rates: Future buyers can take over your rate when you sell.
Using FHA in Des Moines & Urbandale
As a local lender, Marlen Maddux helps you combine FHA loans with Iowa Finance Authority (IFA) grants. This can cover your down payment, meaning you could move into a home in Ankeny, West Des Moines, or Clive with almost no cash out of pocket.
Servicio de Préstamos FHA en Español
¿Por qué elegir un préstamo FHA?
¿Quiere comprar casa pero le preocupa el enganche o su crédito? Los préstamos FHA son ideales para usted.
✅ Enganche Bajo: Solo necesita el 3.5%.
✅ Crédito Flexible: No necesita crédito perfecto.
✅ Asesoría Total: Marlen le explica todo el proceso en español.
FAQ
Frequently Asked Questions
Can I buy a house with bad credit in Iowa?
Yes. FHA loans are forgiving. If you have had past credit issues, we can often still approve you with a 3.5% down payment.
What is the FHA loan limit in Polk County?
For 2025, the FHA loan limit for a single-family home in Des Moines (Polk County) is typically over $498,000, covering almost all starter homes.
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!
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 2026. Marlen Maddux. All Rights Reserved.