Personalized Mortgage Solutions in English and Spanish

Yes. I work with clients entirely in Spanish or English — from the first conversation through application, underwriting and closing. You'll never have to rely on a family member to translate a document you're signing, and I'll walk through every disclosure in the language you're most comfortable in.

Generally: two years of work history, two recent pay stubs, two years of W-2s or tax returns, two months of bank statements, and a valid photo ID. Your credit will be reviewed — FHA loans often work with scores down to 580. Every situation is different, so the fastest way to know where you stand is a conversation.

You don't need 20%. Conventional loans start at 3% down for many first-time buyers, FHA requires 3.5%, and VA and USDA loans require nothing down. On a $275,000 home that's about $8,250 to $9,625 — plus closing costs. Iowa assistance programs can reduce it further.

The Iowa Finance Authority offers FirstHome for first-time buyers and Homes for Iowans for first-time and repeat buyers, both with below-market rates. Either can be paired with a $2,500 grant or a second loan of up to 5% of the price toward down payment and closing costs. A 640 credit score is required, income and price limits apply, and funding is limited.

Call or text me, or start the application online whenever it's convenient. There's no cost and no obligation to find out what you qualify for, and knowing your real number before you shop makes the whole process calmer.

I'm a bilingual mortgage loan officer with Key Mortgage Group's Des Moines office in Urbandale, Iowa, NMLS #2314777, serving Spanish- and English-speaking clients across central Iowa.

Yes. Most loan programs allow a gift from a family member. The person giving it signs a letter confirming it isn't a loan, and we need to show where the money came from. Deposit it early rather than the week of closing — that makes everything simpler.

FHA loans often work with scores as low as 580. Conventional loans usually start around 620, and Iowa assistance programs require 640. If your score isn't there yet, I can tell you specifically what would move it and roughly how long that takes.

Closing costs are the fees to finalize the loan — usually 2% to 5% of the price, so about $5,500 to $13,750 on a $275,000 home. They include the appraisal, title work, lender fees, and the first year of insurance and taxes. Sometimes the seller can pay part of them.

Pre-approval usually takes one to three business days once you send your documents. After your offer is accepted, most purchases close in 30 to 45 days. I'll tell you at each step exactly where we are and what's next.

Mortgage insurance protects the lender when you put down less than 20%. On a conventional loan it comes off once you reach 20% equity. On an FHA loan it usually stays for the life of the loan. It's a real cost, and I'll show it to you in the monthly payment from the beginning.

Don't buy a car, open new credit cards, change jobs, or move large amounts of money between accounts without telling me first. The lender checks everything again right before closing. If something has to change, call me first and we'll plan around it.