HomeServices Lending, LLC

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Urbandale, IA
HomeServices Lending, LLC

HomeServices Lending provides a wide range of home financing programs and products including conventional conforming, FHA and VA loans, larger loan amounts, investment property financing and renovation loans. We are part of an ever-expanding family of affiliate companies whose foundational strategy is to deliver an unrivaled customer experience throughout all aspects of the home transaction process. Our mission is to provide credit-worthy customers with competitively priced residential mortgage financing. As a mortgage industry leader, we are committed to helping as many customers as possible enjoy the personal benefits of homeownership. As a responsible lending leader, we work closely with customers to help them explore the home financing options that help meet individual budgets and homeownership goals. HomeServices Lending, LLC does not offer loans in all states. Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. Georgia Residential Mortgage License Number: 32253. Regulated by the Colorado Division of Real Estate. Licensed by the Delaware State Bank Commissioner to engage in business in Delaware, License # 5837, Expiration 12/31/17. Illinois Residential Mortgage Licensee MB.6761077. Kansas Licensed Mortgage Company, License Number: MC.0025365. Ohio Mortgage Loan Act Certificate of Registration: 490683 SM.501899.000; Ohio Mortgage Broker Act Certificate of Registration: 490683 MB.804161.000. Oregon Mortgage Lending License ML-5251. 7601 Office Plaza Drive North, Suite 125, West Des Moines, IA 50266.

©2017 HomeServices Lending, LLC. NMLS ID # 490683 (www.nmlsconsumeraccess.org/)

10/16/2026

Some words deserve more than a dictionary definition. 🏡📖

Home might mean coffee on the porch, a kitchen full of people, or finally having a space that feels like you.

This , tell us: What’s your definition of home?

And if mortgage terms have you reaching for a dictionary, We're here to help translate. 😉

HomeServices Lending, LLC. (855) 738-3326. 2900 100th Street, Suite 109, Urbandale, IA 50322. All first mortgage products are provided by HomeServices Lending, LLC. Not all mortgage products may be available in all areas. Not all borrowers will qualify.
© 2025 HomeServices Lending, LLC. All rights reserved. NMLS ID #490683. Equal Housing Opportunity.
Licensed in Iowa and Nebraska. For licensing information, please visit Licensing & Disclosures. (http://www.nmlsconsumeraccess.org ).
HomeServices Lending, LLC, HomeServices Lending, CompetitivEdge, and the Open Door Icon are Registered in the U.S. Patent and Trademark Office.

10/14/2026

Classic hearth charm or sleek modern glow? 🔥
This week’s This or That is all about fireplace style.
Would you choose a traditional fireplace for that warm, timeless feel, or a modern fireplace for clean lines and a more contemporary look?
Tell us your choice in the comments 👇

HomeServices Lending, LLC. (855) 738-3326. 2900 100th Street, Suite 109, Urbandale, IA 50322. All first mortgage products are provided by HomeServices Lending, LLC. Not all mortgage products may be available in all areas. Not all borrowers will qualify.
© 2025 HomeServices Lending, LLC. All rights reserved. NMLS ID #490683. Equal Housing Opportunity.
Licensed in Iowa and Nebraska. For licensing information, please visit Licensing & Disclosures. (http://www.nmlsconsumeraccess.org ).
HomeServices Lending, LLC, HomeServices Lending, CompetitivEdge, and the Open Door Icon are Registered in the U.S. Patent and Trademark Office.

10/13/2026

🏡 Terminology Tuesday: Seller Concessions!

What if a seller could help make a buyer's monthly mortgage payment more affordable? 👀

💡 Seller concessions are contributions a seller agrees to make toward certain homebuying expenses, including closing costs and interest rate buydowns.

Here's where things get interesting! ⬇️

🔹 Temporary Rate Buydown: Seller contributions may help reduce a buyer's initial monthly mortgage payments for a set period.

🔹 Permanent Rate Buydown: Seller contributions may be used to pay discount points, lowering the mortgage interest rate for the life of the loan.

🤝 For buyers, this could mean lower upfront costs or more manageable monthly payments. For sellers and real estate agents, concessions may be a valuable negotiation tool to help bring everyone closer to the closing table.

🏠 Sometimes, it's not just about the price of the home. It's about how you structure the deal!

📲 Connect with us to explore how seller concessions could work for your next purchase.

HomeServices Lending, LLC. (855) 738-3326. 2900 100th Street, Suite 109, Urbandale, IA 50322. All first mortgage products are provided by HomeServices Lending, LLC. Not all mortgage products may be available in all areas. Not all borrowers will qualify.
© 2025 HomeServices Lending, LLC. All rights reserved. NMLS ID #490683. Equal Housing Opportunity.
Licensed in Iowa and Nebraska. For licensing information, please visit Licensing & Disclosures. (http://www.nmlsconsumeraccess.org ).
HomeServices Lending, LLC, HomeServices Lending, CompetitivEdge, and the Open Door Icon are Registered in the U.S. Patent and Trademark Office.

10/12/2026

Honoring Indigenous peoples, their vibrant cultures, and their enduring contributions to our communities.

HomeServices Lending, LLC. (855) 738-3326. 2900 100th Street, Suite 109, Urbandale, IA 50322. All first mortgage products are provided by HomeServices Lending, LLC. Not all mortgage products may be available in all areas. Not all borrowers will qualify.
© 2025 HomeServices Lending, LLC. All rights reserved. NMLS ID #490683. Equal Housing Opportunity.
Licensed in Iowa and Nebraska. For licensing information, please visit Licensing & Disclosures. (http://www.nmlsconsumeraccess.org ).
HomeServices Lending, LLC, HomeServices Lending, CompetitivEdge, and the Open Door Icon are Registered in the U.S. Patent and Trademark Office.

10/09/2026

Now playing: Five-star experiences on repeat. 🎶⭐⭐⭐⭐⭐

Clear communication, thoughtful guidance, and a team that cares about every step of the journey.

Nothing means more than hearing it from the people we serve. 💛

HomeServices Lending, LLC. (855) 738-3326. 2900 100th Street, Suite 109, Urbandale, IA 50322. All first mortgage products are provided by HomeServices Lending, LLC. Not all mortgage products may be available in all areas. Not all borrowers will qualify.
© 2025 HomeServices Lending, LLC. All rights reserved. NMLS ID #490683. Equal Housing Opportunity.
Licensed in Iowa and Nebraska. For licensing information, please visit Licensing & Disclosures. (http://www.nmlsconsumeraccess.org ).
HomeServices Lending, LLC, HomeServices Lending, CompetitivEdge, and the Open Door Icon are Registered in the U.S. Patent and Trademark Office.

10/07/2026

Buying in a higher-rate market can call for a little creativity. A 2/1 temporary buydown gives buyers a planned payment runway:

🏠 Year One: Payment calculated using a rate 2 percentage points below the note rate.

🏠 Year Two: Payment calculated using a rate 1 percentage point below the note rate.

🏠 Year Three and beyond: The full note-rate payment applies.

The important detail? The mortgage’s actual note rate does not change. Funds set aside at closing subsidize the difference during the first two years, and the payment progression is established from the beginning.

When permitted, negotiated seller concessions may help fund this strategy. It will not fit every buyer or transaction, but it can be worth discussing when the numbers align.

Real estate colleagues, save and share this with buyers exploring their options! 💛

HomeServices Lending, LLC. (855) 738-3326. 2900 100th Street, Suite 109, Urbandale, IA 50322. All first mortgage products are provided by HomeServices Lending, LLC. Not all mortgage products may be available in all areas. Not all borrowers will qualify.
© 2025 HomeServices Lending, LLC. All rights reserved. NMLS ID #490683. Equal Housing Opportunity.
Licensed in Iowa and Nebraska. For licensing information, please visit Licensing & Disclosures. (http://www.nmlsconsumeraccess.org ).
HomeServices Lending, LLC, HomeServices Lending, CompetitivEdge, and the Open Door Icon are Registered in the U.S. Patent and Trademark Office.

10/06/2026

When rates give buyers pause, it’s worth getting curious about your options. 🏡

In markets where buyers have more room to negotiate, seller concessions could help fund a 2/1 temporary buydown—providing some breathing room in your monthly budget as you settle into homeownership.

Here’s how it works:
• Year 1: Principal-and-interest payments calculated at a rate 2 percentage points below your loan’s fixed rate.
• Year 2: Payments calculated at a rate 1 percentage point below.
• Year 3 onward: Payments based on your loan’s full fixed rate.

The opportunity starts with a conversation about the whole picture: the home, the terms, and a payment that fits your budget beyond those first two years.

Wondering what this could look like for your purchase? Let’s run the numbers together.

Subject to loan program requirements and seller agreement. Temporary payment reductions do not change your loan’s fixed interest rate.

HomeServices Lending, LLC. (855) 738-3326. 2900 100th Street, Suite 109, Urbandale, IA 50322. All first mortgage products are provided by HomeServices Lending, LLC. Not all mortgage products may be available in all areas. Not all borrowers will qualify.
© 2025 HomeServices Lending, LLC. All rights reserved. NMLS ID #490683. Equal Housing Opportunity.
Licensed in Iowa and Nebraska. For licensing information, please visit Licensing & Disclosures. (http://www.nmlsconsumeraccess.org ).
HomeServices Lending, LLC, HomeServices Lending, CompetitivEdge, and the Open Door Icon are Registered in the U.S. Patent and Trademark Office.

10/05/2026

The Fed makes headlines. Your homebuying plans deserve a closer look. 🏡

Mortgage rates and the Fed’s policy rate don’t move in lockstep. Inflation, bond markets, and expectations about the economy also influence mortgage rates—helping explain why the two lines on this chart follow different paths.

When higher borrowing costs cause some buyers to pause, those still shopping may find less competition and more room to negotiate.

The opportunity is in the whole picture: the home’s price, seller concessions, available financing options, and a monthly payment that fits your budget.

Let’s talk through what those pieces could mean for your next move.

10/02/2026

Appraisals are becoming more detailed, but a longer report doesn’t automatically mean there’s a problem. 🏡

Beginning November 2, 2026, Uniform Appraisal Dataset 3.6 will be required for applicable appraisal submissions. Buyers, sellers and real estate agents may notice more upfront questions about square footage, ADUs, renovations, property features and potential discrepancies.

The goal is a clearer, more consistent description of the property—and fewer surprises later in the process.

Have questions about what these changes could mean for your transaction? Connect with us today!

05/13/2026

📚 This or That: Shared Spaces

Are you team Library Living Space 🛋️📖 or Library + Office Combo 💻📚?

Tell us, which one would you choose? ⬇️

Address

2900 100th Street Suite 109
Urbandale, IA
50322

Website

https://www.homeserviceslending.com/

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