Business Details
25 Years
experience
Your Independent Mortgage Broker in Urbandale, IA
Mortgage Producers has been dedicated to helping Iowans navigate the home loan process since 2001. Our team of seasoned mortgage experts specializes in providing personalized solutions tailored to each client's unique financial situation. Unlike traditional lenders, we operate independently, allowing us to objectively compare rates across multiple institutions to secure the most favorable terms. With over 25 years of combined industry experience, our professionals understand the emotional and financial significance of homeownership. We offer comprehensive guidance through every stage of the mortgage journey, from initial credit assessment to final approval. Our commitment to transparency ensures clients receive clear explanations of all loan options, including conventional mortgages, government-backed programs, and refinancing opportunities.We prioritize client education, empowering informed decision-making through tools like our mortgage calculator and complimentary credit reports. Our locally owned and operated structure enables us to maintain a community-focused approach while delivering competitive rates typically associated with larger institutions. We specialize in working with clients across diverse credit profiles, including those rebuilding after financial hardships. Our streamlined three-step process simplifies what is often perceived as a complex transaction, making homeownership accessible and less intimidating for first-time buyers and seasoned homeowners alike.
Services
Conventional Loans
FHA Loans
VA Loans
USDA Loans
Refinancing Options
Home Equity Loans
Debt Consolidation
Credit Rebuilding
First-Time Buyer Programs
High Debt Ratio Loans
Details
- Year established: 2001
Highlights and features
- We offer independent mortgage comparisons across multiple lenders
- Our team has 25+ years of combined experience in home loan solutions
- We specialize in helping clients with diverse credit profiles
- We provide free credit reports and personalized loan consultations
- Our three-step process simplifies mortgage acquisition for all buyers
Associations and certifications
- NMLS (Nationwide Mortgage Licensing System)
Services
Conventional Loans
Standard home loans not government-backed, ideal for borrowers with strong credit and 20% down payments. These mortgages offer competitive rates without mandatory insurance requirements. Our experts help clients determine if conventional financing aligns with their financial profile and long-term goals.
FHA Loans
Federal Housing Administration insured mortgages requiring lower down payments and credit scores. Designed for first-time buyers and those rebuilding credit. We guide applicants through FHA program requirements and help assess long-term affordability.
VA Loans
Zero-down payment mortgages guaranteed by the Department of Veterans Affairs. Available to eligible service members and veterans. Our team assists military families in maximizing their VA loan benefits while explaining associated requirements and limitations.
Refinancing Options
Process to replace existing mortgages with new loans offering better terms. We analyze current market rates against client financials to determine if refinancing would reduce payments or accelerate equity building. Special programs available for underwater properties.
Home Equity Loans
Fixed-rate loans using home equity as collateral for major expenses. These installment loans allow homeowners to access funds for renovations, debt consolidation, or education expenses. We explain risks and repayment obligations associated with equity-based financing.
People
Steve Duckett
Mortgage Expert
With over 20 years in mortgage services, Steve specializes in first-time homebuyer programs and conventional loan products. He focuses on simplifying complex mortgage concepts for clients.
Nick Tornabane
Mortgage Expert
Nick brings extensive experience in government-backed loans, helping clients with diverse credit profiles achieve homeownership through FHA and VA programs since 2001.
Rick Peterson
Loan Specialist
Rick specializes in refinancing solutions and debt consolidation strategies, assisting clients in optimizing their mortgage terms for improved financial stability.
Jennifer Allen
Client Relations
Jennifer manages client communications and credit assessments, providing personalized guidance through the mortgage application process with attention to individual financial circumstances.
Questions
What mortgage options exist for first-time homebuyers?
We offer FHA loans with low down payments, conventional mortgages, and specialized first-time buyer programs with competitive rates and reduced requirements.
How does your mortgage process work?
Our three-step process includes free credit assessment, rate comparison with personalized guidance, and loan selection tailored to your financial situation and goals.
Can I get a mortgage after bankruptcy?
Yes, we work with clients rebuilding credit post-bankruptcy, offering loan programs designed for those recovering from financial hardships.
What's the difference between conventional and FHA loans?
Conventional loans require higher credit scores and 20% down, while FHA loans offer lower down payments but require mortgage insurance, which we explain in detail.
Do you offer refinancing options?
Yes, we provide rate-and-term refinancing, cash-out options, and specialized programs for underwater properties to help improve your mortgage terms.
