Specializing in DPA, Conventional, FHA, VA, USDA, Jumbo, and refinances. NMLS #908173 I serve West Des Moines, the Des Moines Metro, Eastern Iowa, Western Iowa, and all of Central Iowa, helping homebuyers and homeowners feel confident and supported throughout the mortgage process. My lending approach blends strategic guidance with warm, relationship‑driven communication — giving clients clarity an
d giving real estate partners reliability. I specialize in Down Payment Assistance Programs, Conventional, FHA, VA, USDA, Jumbo, and refinance loans across Dallas, Polk, Warren, Madison, Story, and Guthrie counties, along with expanded coverage throughout Eastern and Western Iowa. Agents trust me for consistent updates, structured loan support, and smooth contract‑to‑closing workflows that reduce stress and strengthen client relationships. My mission is simple: deliver a five‑star mortgage experience that helps clients win and helps agents grow. NMLS #908173
Lower, LLC DBA Lower Mortgage NMLS #1124061
Equal Housing Opportunity