Victoria Nesbit, Loan Officer

10/22/2025

Five years ago mortgage rates were lower than they’ve been for the last few years (but thankfully not as high as they got). It makes sense why some buyers have hit pause. A lot feels uncertain right now, and waiting can feel like control. In terms of the housing market, some cities have cooled a bit, others are still increasing, but overall supply and demand are more balanced now - not crashing, just normalizing. Which means even if rates come down, prices will likely go up.

02/22/2024

Love receiving reviews from real estate professionals as much as I do my clients!

Obviously, Iowa is my bread and butter, but I also help clients and agents in other states as well- like Washington! Helped first time homebuyers buy their first townhouse together and we were clear to close 2 weeks before their closing date.

Having a real estate background combined with my lending experience has been key to making sure all my clients and agents have successful closings.

Experience. Knowledge. Empathy.

Working with Victoria Camac was an incredible experience. I am an agent in WA, and we recently closed a deal in Bellevue. Her responsiveness to calls and emails, along with proactive communication, made the process seamless. Victoria stands out as a professional lender who not only comprehends the i...

02/15/2024

Julio: the world’s best worst assistant ever coming in hot on this Thursday.

02/09/2024

Beware of false advertising and anyone who tells you a rate without your application and financial information. Like this gorgeous Midwestern view, some things are just not true.

Side note: Iowa may not look exactly like this, but it can be as close to paradise on a summer evening! ❤️

02/08/2024

I wasn't 3, but I definitely felt like a little kid when I first became a Realtor. Yep, I was a Realtor before becoming a mortgage lender!

My experience as a former real estate agent has been invaluable in helping clients and agents successfully get to the closing table. I know what is it like to not only be an agent, but a homeowner too. Experience, knowledge, and empathy.

02/08/2024

On the fence or ever wanted to know what you could afford and what your loan options could initially look like, but didn't want a hard inquiry on your credit report?

I can help! See if you are eligible for a conventional loan pre-qualification and what your estimated costs look like off a soft credit inquiry. Soft credit inquiry= no negative impact.*

Remember if a lender quotes you a rate without your financial information (credit score, down payment amount, etc.)- they are not quoting your ACTUAL rate. You want someone you can trust- not someone telling you what you want to hear.

Have questions? I have answers. DM or call me today. 515-318-6835.

*all loans do require a hard inquiry before a verified pre-approval or closing of a loan. Rates change daily.

06/19/2023

PSA: When a lender quotes you a rate without your information that's NOT your rate.
Rate is based off multiple factors that can only be determined by your information (like credit score, debt to income ratio, and down payment amount).
Did you know I can do all of that via a soft credit pull (no impact on your credit)? Nothing to lose and everything to gain! Message me if you have any questions!