Sam Leahy Mortgage Team at CharterWest Bank NMLS #1218416

Sam Leahy Mortgage Team at CharterWest Bank NMLS #1218416 Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Sam Leahy Mortgage Team at CharterWest Bank NMLS #1218416, Financial service, 1245 Jordan Creek Pkwy, Suite 150, West Des Moines, IA.

Your closing date can affect how much cash you need at closing. Close earlier in the month?You’ll usually pay more prepa...
06/11/2026

Your closing date can affect how much cash you need at closing.

Close earlier in the month?
You’ll usually pay more prepaid interest upfront.

Close later in the month?
You may need less cash upfront because there are fewer days left in the month to cover.

That doesn’t mean one option is always better.
Seller timing, moving plans, lender deadlines, and month-end delays all matter too.

The big takeaway?
Don’t pick a closing date just because it sounds good.

Ask how it affects your cash to close. A few days can make a bigger difference than most buyers realize.

June is National Homeownership Month 🏡 At CharterWest Bank Mortgage Center, helping families achieve homeownership isn’t...
06/07/2026

June is National Homeownership Month 🏡

At CharterWest Bank Mortgage Center, helping families achieve homeownership isn’t just part of the job… it’s what drives us every single day.

Proud to be a top lender in all the markets we serve and even more proud of the people, relationships, and communities behind every closing. 🤝

Whether it’s your first home, next home, or using programs like Nebraska Investment Finance Authority and Iowa Finance Authority to help make homeownership more affordable, the goal stays the same:
Educate more buyers.
Create better experiences.
Help more people get the keys to a place they can call home. 🔑

06/03/2026

One thing I see a lot with first-time buyers in their 30s 👀

People focus so much on getting qualified...they forget to ask what payment actually feels comfortable every month.

Just because a lender can approve a certain amount doesn’t always mean it fits your lifestyle.

The buyers who usually have the smoothest experience tend to:
🏡 Keep their payment around 28% of their income
💰 Have some emergency savings ready
🛠 Budget for home maintenance
📋 Compare a few mortgage options
📆 Plan to stay in the home at least 5 years

None of this is complicated.
But knowing it before you buy can make a huge difference.

Not everyone needs 20% down… and that surprises a lot of people. Conventional loans can start as low as 3% down and give...
05/30/2026

Not everyone needs 20% down… and that surprises a lot of people.

Conventional loans can start as low as 3% down and give you flexibility depending on your credit and goals.

The key? Structuring it the right way so you’re not overpaying long term.

Want to see what this looks like for you? Give me a call!

Online mortgage calculators be like…“Congrats! Your payment is $1,850!” Reality:“…plus taxes, insurance, possibly PMI (P...
05/26/2026

Online mortgage calculators be like…
“Congrats! Your payment is $1,850!”
Reality:
“…plus taxes, insurance, possibly PMI (Private Mortgage Insurance), and your actual rate”
They’re great for a quick guess—but they don’t know your:
💳 Credit
💼 Income
📊 Debt
🏡 Loan type
👥 Full situation
So the number you see? It’s usually… optimistic
Want real numbers based on your real life?
That’s where I come in.
No guessing. No surprises. Just a clear plan. 🏡

Today we honor and remember the brave men and women who gave their lives in service to our country.This Memorial Day, we...
05/25/2026

Today we honor and remember the brave men and women who gave their lives in service to our country.

This Memorial Day, we pause to reflect on their sacrifice and express our gratitude for the freedoms we enjoy because of them. 🇺🇸

You don’t have to live in the middle of nowhere to qualify for this 👀 USDA loans offer $0 down and lower monthly costs, ...
05/22/2026

You don’t have to live in the middle of nowhere to qualify for this 👀

USDA loans offer $0 down and lower monthly costs, and a lot of areas just outside city limits still qualify.

It’s one of the most overlooked options out there.

Think you might be in an eligible area? Let’s chat!

05/18/2026

VA Loans series: Part 4

Save on monthly costs!

Sign up for property fraud alerts to stay informed of any activity tied to your property. If your county isn’t listed, y...
05/17/2026

Sign up for property fraud alerts to stay informed of any activity tied to your property. If your county isn’t listed, you can nominate it. A simple way to stay proactive and help protect yourself from property fraud.

Start here: https://vist.ly/54grp

Lower credit? Smaller down payment?This is where FHA shines. With as little as 3.5% down and more flexible guidelines, t...
05/15/2026

Lower credit? Smaller down payment?
This is where FHA shines.

With as little as 3.5% down and more flexible guidelines, this loan helps a lot of buyers get in sooner than they thought possible.

It’s not perfect for everyone… but for the right person, it’s a game changer.

Curious if it fits your situation? Reach out to chat!

Address

1245 Jordan Creek Pkwy, Suite 150
West Des Moines, IA
50266

Opening Hours

Monday 9am - 9pm
Tuesday 9am - 9pm
Wednesday 9am - 9pm
Thursday 9am - 9pm
Friday 9am - 9pm
Saturday 9am - 9pm
Sunday 9am - 9pm

Telephone

+15155379210

Website

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