Team Chedester- Licensed Mortgage Originators

Team Chedester- Licensed Mortgage Originators Awesome Loan Programs, Low Down Payment Options, Aggressive Interest Rates & Exceptional Service! Kyle can also help in Nebraska & South Dakota.

Are you getting the information, options, education & service YOU desire? We look forward to helping you get great service and excellent options that fit your budget and goals! Let us help you throughout your home purchase, build, debt consolidation or refinancing process! As a LOCAL & Licensed Home Mortgage Originators, Certified Residential Mortgage Specialists and Certified Veteran Lending Spec

ialists, we work hard to make sure you are reviewing all the appropriate mortgage options and getting the service & education you need to find the right mortgage loan for YOUR specific situation. Let us help show you the differences between Conventional, FHA, VA, USDA and other financing options! Did you know that we can avoid monthly PMI with as little as 5% down? We specialize in the Des Moines, Iowa metro...but can help anyone throughout the state of Iowa. Every lender charges you for their services...are you getting the options, rates and service you desire? We can help make sure that you do! Our Specialties: As YOUR Licensed Home Mortgage Loan Originators & CVLS we can show you how different mortgage loans can offer specific options, rates/APR, payments, down pymts & overall terms. Let us help you explore your financing options so YOU can get the most out of YOUR MONEY!



Charlie NMLS #8635 ~

Kyle NMLS #1504981 ~

03/19/2026

This week’s episode gets real.

Brad Johnson openly shares his past battle with m**h addiction — and how endurance training helped him rebuild his life.

From treatment in 2005 to completing an Ironman.

We also discuss a tough question:
Is addiction a disease… or a choice?

Raw. Honest. Powerful conversation.

Full episode drops Friday 🎙️
Search The Lofty Lender with wherever podcasts are found.

03/18/2026

One of the best tips Brad shared:

Once you’re under contract… STOP looking at homes online.

There will always be a “better” house.

Scrolling Zillow after your offer is accepted creates doubt and buyer’s remorse.

Set boundaries. Trust the process. Move forward.

We dive deep into this on The Lofty Lender Podcast.

Episode drops Friday 🎙️
Search The Lofty Lender with

03/17/2026

How many people do you think are involved in a real estate transaction?

Most people say 8–10.

Brad Johnson says it’s closer to 40–50. 🤯

Lenders. Inspectors. Appraisers. Contractors. Title. Insurance. Agents.

One dropped ball can derail the entire deal.

That’s why systems and discipline matter.

We break it all down in this week’s episode of The Lofty Lender Podcast.

Drops Friday 🎙️
Search The Lofty Lender with wherever podcasts are found.

03/16/2026

I thought I was doing som**hing nice…

Brad Johnson told me he sometimes gifts his clients golf lessons with a coach ⛳

Sounds like a great idea, right?

Until they start calling him saying:
“Why did you do this to me? Now I’m addicted to golf!” 😂

Moral of the story? Be careful what passions you unlock.

We had a blast talking about business, discipline, Ironmans, and why so many real estate pros live on the golf course.

Full episode of The Lofty Lender Podcast drops this Friday 🎙️
Search The Lofty Lender with wherever podcasts are found.

03/11/2026

AI is powerful.

We use it.

But AI can’t sit across from you when you’re stressed about:
• A new build
• A tight budget
• A confusing underwriting condition

Mortgage lending isn’t just numbers. It’s emotions, timing, and relationships.

We talk about why relationships still matter — even in the AI era — on this week’s episode of The Lofty Lender.

Drops Friday.
Search wherever podcasts are found.

03/10/2026

What if I told you we’ve helped clients raise their credit score 30–40+ points in about 30 days?

Not by paying everything off.

But by understanding how the scoring system actually works.

Sometimes it’s:
✔️ Adjusting utilization
✔️ Paying accounts in a certain order
✔️ Timing payments strategically

Mortgage approval is part math… part strategy.

We talk about real credit improvement tactics in this week’s episode of The Lofty Lender dropping Friday.

Search wherever podcasts are found.

03/10/2026

Ever look at two mortgage offers and think…

“Why does this one look cheaper but feel confusing?” 🤔

Here’s the truth:
Not all lenders label fees the same way.

One might call it an “origination fee.”
Another might call it a “processing fee.”
Sometimes… they’re the exact same thing.

That’s why we use a mortgage comparison calculator to break everything down and compare apples to apples — not apples to apple-pears 🍐

Before you assume one offer is better, make sure you’re looking at:
✔️ Principal
✔️ Interest
✔️ Taxes
✔️ Insurance
✔️ All lender fees

We break this down in detail on this week’s episode of The Lofty Lender dropping Friday.

Search for The Lofty Lender with wherever podcasts are downloaded.

03/05/2026

Nearly 28 years in Altoona.

Janee raised her kids in Southeast Polk schools, supported marching band, built lifelong friendships, and watched the community grow.

Small-town feel. Big-city access.

In this episode, we talk about how Altoona shaped her life — and why community matters in real estate.

Full episode drops Friday.

Search The Lofty Lender with wherever podcasts are found.

03/04/2026

Self-employment looks glamorous from the outside.

Flexibility. Freedom. “Be your own boss.”

But here’s what Janee shared:

• You pay 100% of your benefits
• You pay self-employment taxes
• You build everything from scratch
• No guaranteed paycheck

Yet she chose it — for flexibility, ownership, and long-term control.

If you’re entrepreneurial or considering a career pivot, this episode is for you.

Full episode drops Friday.
Search The Lofty Lender with .

03/03/2026

Should you wait for lower rates… or buy now?

Janee Moore and I break this down in this week’s episode.

If you need to move, buying now during lower competition months can mean:
✔ Less bidding wars
✔ More negotiating power
✔ Better pricing

And when rates drop? Refinance.

Don’t let headlines control your timeline.

Full episode out Friday.
Search The Lofty Lender with

03/03/2026

Are you waiting for mortgage rates to drop before buying?

Here’s the reality: if rates drop significantly, more buyers jump in. More buyers = more competition. More competition = higher home prices.

On this week’s episode of The Lofty Lender, I sat down with Janee Moore to talk about why you should marry the house and date the rate.

You can refinance a rate.
You can’t renegotiate the purchase price later.

Full episode drops this Friday wherever fine podcasts are found.

Search: The Lofty Lender with

02/26/2026

Most buyers ask: “What price can I afford?”
But the better question is: “What monthly payment fits my life?” 💰

On The Lofty Lender, Kyle & Charlie explain why your budget should start with your lifestyle — not a price tag.

🎙️ New episode drops this Friday!

Address

2753 99th Street
Urbandale, IA
50322

Telephone

+15152296554

Website

Alerts

Be the first to know and let us send you an email when Team Chedester- Licensed Mortgage Originators posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category