You Served Us. Now Let Us Serve You.
$0 Down Payment & No Mortgage Insurance for Iowa Veterans.
Marlen Maddux - Mortgage Loan Officer
American Pacific Mortgage (NMLS #1850)
3917 121st St
Urbandale, IA 50323
Phone: (515) 865-0245
NMLS: #1622760
The Most Powerful Loan on the Market
The VA Loan is a lifetime benefit earned by your service. It is hands-down the best financial tool available for buying a home in Urbandale or Des Moines.
The Facts
✅ 0% Down Payment: Keep your savings in your pocket. 100% financing.
✅ No Mortgage Insurance (PMI): Saves you $150-$300/month compared to other loans.
✅ Lower Rates: VA loans typically offer lower interest rates than conventional mortgages.
✅ Forgiving Credit: Government backing allows for easier approval, even with past credit bumps.
Serving Those Who Serve in Central Iowa
Marlen Maddux is proud to serve active duty military and veterans across Polk and Dallas counties. Whether you are stationed at Camp Dodge, the Des Moines Air National Guard Base, or are a veteran living in West Des Moines, we understand your unique income and housing allowance (BAH) structures.
Do You Have Your COE?
We can pull your Certificate of Eligibility (COE) instantly to see exactly how much entitlement you have available
Préstamos VA para Veteranos Latinos
Si usted sirvió en las fuerzas armadas de los EE. UU., tiene derecho a comprar casa con las mejores condiciones del mercado.
✅ 0% de Enganche: Compre sin dinero inicial.
✅ Sin Seguro Hipotecario: Ahorre cientos de dólares al mes.
✅ Asesoría en Español: Le explicamos cómo usar su beneficio VA paso a paso.
FAQ
Frequently Asked Questions
Can I use a VA loan more than once?
Yes! The VA loan is a lifetime benefit. You can use it multiple times, and even have two VA loans at once in some situations.
What is the VA funding fee?
This is a one-time fee paid to the VA to keep the program running. It can be rolled into the loan amount so you pay nothing out of pocket. Note: Veterans with a service-connected disability are exempt from this fee.
Can I buy a multi-family home?
Yes. You can use a VA loan to buy a duplex or 4-plex in Des Moines, as long as you live in one of the units.
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.