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The Quad Cities remains one of the more affordable metros in the Midwest, with median prices well below the national figure — which means down payment and closing cost requirements are correspondingly smaller. The practical implication for buyers is that the barrier is more often credit and documentation than raw cash, and both of those are fixable with lead time.

Everything downstream of which state you're in. Iowa's Scott County uses Iowa Title Guaranty rather than private title insurance, has no mortgage recording tax, and offers Iowa Finance Authority buyer programs. Illinois's Rock Island County uses conventional title insurance, has different transfer taxes, and offers IHDA programs instead. Two similar houses across the river can carry noticeably different monthly payments.

Conventional, FHA, VA, USDA rural development, jumbo, DSCR and investment property financing, bank statement loans for self-employed borrowers, construction and renovation loans, and refinancing. The range matters because the right answer for a self-employed buyer looks nothing like the right answer for a first-time buyer with a W-2.

It's our charitable arm, funded through the business, supporting causes in the Quad Cities community we work in. The premise is straightforward: a business that depends on this community should be putting something back into it.

I'm the branch manager of Key Mortgage Group's Quad Cities office in Davenport, Iowa, NMLS #631532, leading a team serving buyers and homeowners on both the Iowa and Illinois sides of the river.

Start the application online any time, or call the Davenport office at 5189 Utica Ridge Road first if you'd rather talk it through before filling anything out. Most people find the conversation more useful as a starting point.

FHA generally allows scores down to 580 with 3.5% down, conventional typically starts near 620, and Iowa Finance Authority programs require 640. What sits behind the number matters as much as the number — recent late payments weigh more heavily than old ones. If you're not approvable today, we can usually tell you what would change that.

Yes. Renovation loans finance the purchase and the improvements in a single mortgage based on the home's after-repair value, which is how buyers take on properties that need work without a separate line of credit. Construction loans fund a build in draws and convert to permanent financing. Both need more lead time than a standard purchase.

Often, yes. The loan is sized against what the home will be worth once the work is finished rather than what it's worth today, with the renovation funds held and released as work completes. It requires contractor bids and more coordination up front, but it opens up housing stock that a standard loan simply won't touch.

A jumbo exceeds the conforming loan limit — $832,750 for a single-unit property in most counties in 2026. Given Quad Cities price points, most buyers here never encounter one. When you do, expect stronger credit requirements, a larger down payment and more reserves. Limits change annually, so verify the current number.

Iowa closings generally run cheaper. There's no mortgage recording tax, and title coverage goes through Iowa Title Guaranty rather than private title insurance. Illinois closings involve conventional title insurance and different transfer taxes. Two comparable houses across the river can produce noticeably different cash-to-close figures.

Your loan may be sold or transferred to a different servicer, which is routine and doesn't change your rate or your terms. You'll get notice from both the old and new servicer with the updated payment address. Our team stays available to you regardless of who ends up servicing it.