Mortgage Pre-Approval in Iowa
Before you start touring homes, the most important step is knowing exactly how much you can afford. A mortgage pre-approval gives you a clear budget, strengthens your offer when you find the right house, and shows sellers you are a serious buyer.
Why Pre-Approval Matters
Stand Out to Sellers
In a competitive market, sellers prefer offers from buyers who already have verified financing.
Know Your True Budget
Understand your exact price range and estimated monthly payments before falling in love with a home.
Move Faster
When you find the right home, being pre-approved allows you to make an offer immediately.
I'm Marlen Maddux, a bilingual mortgage lender serving Des Moines and Central Iowa. My goal is to make the pre-approval process fast, simple, and completely transparent so you can shop for your new home with confidence.
Why Get Pre-Approved with Marlen?
- Clear, plain-English (and Spanish) explanations
- No pressure, just helpful guidance
- Local expertise in the Central Iowa market
The Pre-Approval Process
Getting pre-approved is simpler than most people think. Here is what to expect:
1. Quick Conversation
We'll discuss your homeownership goals, timeline, and current financial situation.
2. Gather Documents
You'll provide basic income and asset documents. I keep this list as short and simple as possible.
3. Review Options
We'll review your credit and finances to determine the best loan programs (like FHA, VA, or Conventional).
4. Get Your Letter
You receive your official pre-approval letter, ready to share with your real estate agent.
What You Need to Get Started
Having these documents ready will make the process much faster:
- Recent pay stubs (usually the last 30 days)
- W-2 forms from the last two years
- Recent bank statements (usually the last 2 months)
- Valid government-issued ID
- If self-employed: Tax returns for the last two years
Pre-Approval FAQs
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!
Locally licensed in Urbandale, just minutes from Living History Farms.