Bannen Davis Mortgage Team

05/25/2026

05/20/2026

🏡 Ready to make the move to homeownership? Here are 3 tips to set yourself up for success:

1. Know your credit score before you shop. Pull your report early, even a small improvement in your score can mean a significantly better mortgage rate. Give yourself 3–6 months to address any issues before applying.

2. Save beyond the down payment. Closing costs, moving expenses, and those first-month surprises add up fast. Aim to have 3–5% of the home price set aside on top of your down payment so you're not caught off guard.

3. Get pre-approved, not just pre-qualified. Pre-approval shows sellers you're serious and gives you a realistic budget to shop with confidence. It's one of the smallest steps with one of the biggest payoffs.

Small steps. Big moves. 💪

05/18/2026

Found the perfect condo in a resort town?🏖️ 🌺 If the property is in a resort area, there's a good chance it's non-warrantable, meaning traditional financing usually isn't an option.

BUT, the Bannen Davis Mortgage Team have a loan for that. Buy a place where you actually want to be. Enjoy it when you’re there. Rent it out when you’re not. 💰 💱

Ready to talk? Give me a call today!

05/05/2026

🍎 TEACHER APPRECIATION IS BACK — AND WE’RE PUTTING MONEY WHERE IT MATTERS 🍎

We’re fired up to roll this out again for 2026.

If you’re an educator buying a home this summer, we’re helping you do it smarter:

💰 $500 LENDER CREDIT
💰 Up to $750 if two borrowers are educators

That’s real money back at closing to help offset closing costs.

WHO QUALIFIES?

Teachers, faculty, and staff (K-12 + degree-granting universities)

TIMELINE

📅 May 1 – August 31, 2026
(You just need to apply within this window)

WHY THIS MATTERS

Inventory is moving. Rates are shifting.
Getting in the game with the right structure + incentives = advantage.

BONUS WITH US
• Fully underwritten pre-approvals
• Competitive pricing across 30+ investors
• Waived lender fee refinance when rates drop
• Local team that actually answers the phone

If you’re a teacher, faculty, or staff (or know one), let’s map out a winning plan:

👉 Apply now: www.bannendavis.com

👉 Or shoot me a message — we’ll build your game plan same day

Let’s take care of the people who take care of everyone else!

04/17/2026

🚨 BIG FRIDAY RATE UPDATE 🚨

We’re seeing a meaningful shift in the market this morning.

The reopening of the Strait of Hormuz has pushed oil prices lower, and both stocks and mortgage bonds are reacting positively. As a result, rate sheets are improving and we’re seeing some of the best pricing since rates began moving higher.

>Today’s pricing is a clear step in the right direction, and if global tensions continue to ease, there is potential for further improvement in the coming weeks.

What this means for you:

>Purchase buyers have an opportunity to lock in improved rates
>Homeowners should revisit refinance opportunities

This is a window worth acting on, not waiting too long to evaluate
Strategy:

>You can cautiously float to see if this momentum continues, but for anyone who prefers certainty, today presents a strong opportunity to lock.

Let’s talk through your options

If you’re buying or considering refinancing, I’ll walk you through:

>Current rate scenarios
>Payment options
>Timing strategies based on your situation

We’re also offering:

>Waived Lender Fee Refinance (after your first 6 payments)
>$500 Spring Lender Credit with a fully underwritten pre-approval

Call or message me directly to review your options.

Bannen Davis
319-850-7685
[email protected]
Bannen Davis Mortgage Team

04/15/2026

🚨 LAST CALL 🚨

04/14/2026

🚨 LAST CALL FOR VOTING Des Moines' People's Choice 🚨

Can I count on YOUR vote TODAY?

It takes 10 seconds and you can vote daily:

https://dsmpeopleschoice.com/vote/

REAL ESTATE > MORTGAGE BROKER & MORTGAGE LENDER

Let’s see if we can bring this one home 🙏🏆

04/08/2026

With time on your side, small but meaningful improvements (such as boosting a credit score, establishing a longer bank deposit history, or allowing your savings to grow) can make a real difference.🤔

Early planners also enter the market with a major advantage:

Confidence. Coming in pre-approved means you can act decisively and often make a stronger offer that reduces or waives financing contingencies, which is especially powerful in competitive markets. You’ll move forward with clarity, knowing your offer is solid and your transaction is set up for a smooth close.🏡 💰

Interested in learning more? Check out our new e-book, carefully curated with First-Time Homebuyers in mind, guiding them through the mortgage process, prepared and confident.

https://adobe.ly/40xBU4v

04/01/2026

April Fools’ might be for surprises… but when it comes to mortgages, we don’t believe in pulling fast ones.

Transparent, honest guidance, every day of the year.