Financing Partners & Home Loan Resources

Buying a home is exciting—financing it shouldn't be overwhelming. I partner with trusted lenders and programs in Iowa to offer competitive rates, down payment assistance, and options for first-time buyers, veterans, or those needing repairs. Explore below to find the right fit for your needs.

Hall Lending Group

Led by Hope Hall with 20+ years in Iowa mortgages, this local broker offers wholesale pricing for competitive rates and personalized service. They focus on making the home loan process smooth, with options for various credit situations and real-time application support.

Conventional, FHA, VA, USDA loans
Best-rate shopping across lenders
Interactive online applications with screen-share/chat
Specialties: First-time buyers, refinances

Apply or Get Pre-Approved

GreenState Credit Union

A member-owned credit union offering a range of home loans with competitive rates and local Iowa support. They provide programs for first-time buyers, including fixed-rate mortgages and potential down payment resources.

Conventional, FHA, VA, Jumbo loans
First-time homebuyer programs
Refinances and home equity options
Community-focused lending in Iowa

Explore Programs & Rates

Neighborhood Finance Corporation (NFC)

Specializes in revitalizing neighborhoods with flexible loans and forgivable assistance. No income restrictions; focuses on Cedar Rapids and other Iowa areas with up to $15,000 forgivable for repairs/improvements.

NFC Advantage Loan: Pair repayable mortgage with forgivable assistance ($15k in Cedar Rapids)
Purchase, refinance + repairs, home improvement
Closing cost help up to $2,500
Energy-efficient upgrades available

Learn More & Apply

Iowa Finance Authority (IFA) FirstHome Program

A statewide assistance program partnering with local lenders for affordable mortgages. Offers lower rates, reduced fees, and down payment/closing cost help—ideal for first-time buyers.

Lower-than-market rates (credit score doesn't affect rate)
Down payment as low as 3%; assistance programs available
Income limits vary by county (~$99k–$173k); purchase limit $544k
Required homebuyer education; min credit 640
Free Iowa Title Guaranty protection

Check Eligibility & Find Lenders

City of Cedar Rapids First Time Home Buyer Program

Local forgivable assistance for down payment/closing costs via HUD HOME funds. Opens annually (e.g., March); funds limited—apply early.

Up to $14,999 forgivable over 5 years (20% per year if you stay)
10% of purchase price (max $14,999); full $14,999 for ≤50% AMI
Income ≤80% AMI; first-time buyer (no ownership in 3 years)
Max purchase $219k; Cedar Rapids city limits only
Required HUD-approved homebuyer education

View Details & Apply When Open