Mick McCauley at HomeServices Lending

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West Des Moines, IA
Mick McCauley at HomeServices Lending

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I am a Mortgage Consultant with HomeServices Lending
NMLSR #675493
Prosperity Home Mortgage NMLS #75164

11/02/2026

Affordability looks different in every market—and every household. 🏡

Realtor.com’s latest analysis shows a wide gap between household incomes and the income needed to afford a typical home, with substantial differences from state to state.

Those numbers highlight a real challenge. They also make a local, personal conversation worth having. Statewide medians don’t capture your neighborhood, your savings, your monthly obligations, or the financing options you may qualify for.

We're here to help you understand those details. Together with your real estate agent’s insight into local prices and available homes, we can build a clearer picture of what may be within reach.

Let’s start with your numbers—and a plan built around your goals.

10/31/2026

An extra hour? We’ll take it! ⏰ Daylight Saving Time ends tonight, so remember to set any manual clocks back one hour before bed.

Here’s to a little more time to rest, recharge, and enjoy home. 🍂🏡
https://myoc.io/ghhkXwGhCGO

NMLSR ID #657493
©2026 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 products are available in all areas. Not all borrowers will qualify. NMLS ID #490683 (For licensing information go to: NMLS Consumer Access at http://www.nmlsconsumeraccess.org/).

10/31/2026

Porch lights on. Pumpkins glowing. Neighbors making memories. 🎃👻

Here’s to the little traditions that make a neighborhood feel like home. Wishing you a safe and happy Halloween, filled with sweet treats and a few friendly frights!

10/28/2026

Appraisal reports are getting a major update. 👀🏠

Beginning November 2, the industry moves to UAD 3.6 for new conventional appraisal reports submitted to UCDP. The redesigned report uses more structured, standardized property information, which may mean greater detail around:

📐 Square footage and measurements
🏡 ADUs, additions and converted spaces
🔨 Renovations, updates and property features
📸 Photos, condition and potential discrepancies

A longer report does not automatically mean something is wrong. The new format does not create property issues. It may simply make existing details more visible and consistent.

Sellers and real estate colleagues can help by sharing permits, plans, renovation history, accessory-unit information and any known differences between listing and public-record square footage as early as possible.

More detail. Fewer surprises. 💛

10/27/2026

🏡 Your next chapter doesn't have to wait for your current home to sell!

Found the perfect next home but haven't sold your current one yet? You may have more options than you think. 🔑

With our Path to Prosperity financing solutions, qualified buyers may be able to purchase their next home without selling first—even making a non-contingent offer!

💡 Less pressure to time two transactions perfectly. More flexibility to make your next move.

Because on your Path to Prosperity, the right financing strategy can open doors you didn't know were possible.

NMLSR ID #657493
©2026 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 products are available in all areas. Not all borrowers will qualify. NMLS ID #490683 (For licensing information go to: NMLS Consumer Access at http://www.nmlsconsumeraccess.org/).

10/26/2026

The mortgage rate is one number. The opportunity depends on the whole picture. 🏡

Small investors accounted for approximately 14.5% of home purchases in August, up from 13.6% a year earlier—even as higher rates remained part of the equation.

For someone considering a rental property, local demand, purchase price, ongoing expenses, and financing all deserve a closer look. Those details can vary from one neighborhood to the next.

That’s where local perspective matters. We're here to help you explore financing options alongside the market insights your real estate agent brings to the table.

Considering your first investment property or your next one? Let’s talk through the numbers and how they fit your long-term goals.

NMLSR ID #657493
©2026 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 products are available in all areas. Not all borrowers will qualify. NMLS ID #490683 (For licensing information go to: NMLS Consumer Access at http://www.nmlsconsumeraccess.org/).

10/24/2026

This charming home was built in 1949. It has three bedrooms and two bathrooms. It's located in Des Moines and is full updated. This home has tons of charm and a finished lower-level. Don't miss it!

Contact Anastasiya Landry and message me if you're thinking about getting pre-approved!
https://myoc.io/ghhkXwGhCGO/TL4U6

NMLSR ID #657493
©2026 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 products are available in all areas. Not all borrowers will qualify. NMLS ID #490683 (For licensing information go to: NMLS Consumer Access at http://www.nmlsconsumeraccess.org/).

10/23/2026

A little more breathing room in your pocket during year one? That’s the idea behind Rate Relief+. We provide the lender subsidy for an eligible 1-0 temporary buydown, lowering your interest rate by one percentage point—and your monthly payment—during the first year.

Want to see how it could fit your plans? Contact us. Available on eligible fixed-rate purchase loans. Eligibility and program requirements apply. A buydown may not be right for every borrower.

NMLSR ID #657493
©2026 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 products are available in all areas. Not all borrowers will qualify. NMLS ID #490683 (For licensing information go to: NMLS Consumer Access at http://www.nmlsconsumeraccess.org/).

10/22/2026

5.0 star review received on Experience.com for Mick McCauley by Janita C - Mick McCauley was incredibly helpful throughout the entire process of finding a lending option for our new home in Iowa. He went above and beyond to explore our options, answer our questions, and make sure we felt confident and informed every step of the way. His knowledge, responsiveness, and willingness to help made what could have been a stressful process so much easier. We truly appreciate all of his hard work and dedication in helping us find the right lending solution for our needs. We highly recommend Mick to anyone looking for a knowledgeable, reliable, and supportive lending professional!

Read more: https://experience.com/reviews/mick-mccauley/8392a868-2da9-41d8-ad17-3fa90cc8afb6?V=1792663416&utm_source=facebook&utm_medium=autopost&utm_content=13768915

10/21/2026

Great Scott! If your house hunt took you back to 1985, you’d find smaller price tags, double-digit mortgage rates, and no saved searches on your phone. ⚡🏡

Today, we can tour homes from the couch and upload mortgage documents without firing up a fax machine. Still waiting on those flying cars, though.

But lower rates than the ’80s don’t automatically mean a lighter monthly payment. Home prices, income, down payment, taxes and insurance all help shape what fits your budget.

Every decade has its homebuying challenges. The goal is to build a plan for the market—and the life—you’re in!

Connect with us to explore your options. No DeLorean required.

NMLSR ID #657493
©2026 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 products are available in all areas. Not all borrowers will qualify. NMLS ID #490683 (For licensing information go to: NMLS Consumer Access at http://www.nmlsconsumeraccess.org/).

Address

5500 Westown Parkway, Suite 100
West Des Moines, IA
50266

Telephone

+15159883665

Website

http://www.desmoinesareahomeloans.com/

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