Home Purchase Loans
Pre-approval through closing with clean communication, strategy, and fast scenario work.
Mortgage lender · Des Moines, Iowa
Des Moines home loans that finally make sense.
The Brady Haye Mortgage Team helps Iowa homebuyers and homeowners feel informed and confident, whether you are buying your first home, refinancing, or planning your next move.
500+Families helped
Since 2015Lending experience
6 StatesLicensed to serve
NMLS
Loan officer#1450053
PurchaseSmart guidance from consultation to closing
RefinanceEvaluate payment, term, equity, and strategy
PlanningGet prepared early before the right move appears
Mortgage solutions
Mortgage loan programs in Des Moines and central Iowa
Whether you are ready to apply today or just want clarity on the numbers, the team is built to be useful right away.
Mortgage Refinancing
Explore lower payments, debt consolidation, cash-out options, or a better long-term structure.
First-Time Buyers
An education-first approach built to simplify the process and keep decisions comfortable.
Investment Properties
Financing strategies for investors who want strong communication and dependable execution.
Listing Lowdown
Real financing on real Des Moines listings
A price tag does not tell you much on its own. The Listing Lowdown takes an actual local listing and breaks down what owning it could realistically look like — the financing side made concrete, so a home stops being a number and starts being a decision you can picture.
Built for a specific home
Each one is tied to a real listing from a realtor partner, not a generic example, so the picture reflects an actual property on the market right now.
The financing made clear
A clean, visual breakdown of how the numbers come together, so you can see past the sticker price to what the day-to-day actually involves.
Something agents can share
Realtor partners use these to help their buyers understand a home faster — a genuinely useful piece rather than another ad.
New Listing Lowdowns post regularly. Every scenario is an illustration, not a loan offer or commitment to lend — your actual numbers depend on your situation and current rates.
See the latest on Instagram
Education
First-time homebuyer guidance in Iowa
The goal is not just to start an application. It is to help you understand payments, options, timelines, and strategy so every step feels comfortable.
Payment Clarity
Understand principal, interest, taxes, insurance, PMI, and how a monthly payment really comes together.
Loan Strategy
Compare purchase and refinance options with guidance tailored to your goals, not generic advice.
Video Explanations
Brady is known for personalized videos and easy-to-follow explanations that make the process less overwhelming.
Next-Step Guidance
Know what to expect before applying, while shopping, after contract, and all the way through closing.
How we work
Two things we built our process around
Plenty of lenders can quote a rate. The difference shows up in whether you actually understand what you are signing, and whether you feel it before you commit. Two parts of how we work are built specifically for that.
Buyer Consultation Zoom Calls
Before you shop, we get on a live Zoom and share the screen with your real numbers — your price range, your down payment, your monthly payment across a few different scenarios. You leave the call understanding exactly what you are comfortable with and why, rather than starting with a rate and working backward. It is a conversation, not a form.
Loan Estimate Review Videos
When your official Loan Estimate comes through, you do not just get a PDF and a “let me know if you have questions.” You get a personalized video where Brady walks through your actual estimate line by line — what every fee is, what is fixed, what is not, and what it all means for your bottom line. It is the difference between being handed a document and actually understanding it.
Mortgage tools
Iowa mortgage calculators and payment estimates
These calculators help buyers and homeowners see the full picture, not just principal and interest.
Total Monthly Payment Estimator
Enter home price, down payment, interest rate, and taxes to estimate the full monthly payment.
Includes principal, interest, estimated taxes, homeowners insurance, and PMI if applicable. Insurance defaults to $200/month if blank. If PMI is blank and the down payment is under 20%, PMI is estimated at 0.5% annually. Estimates only.
Refinance Break-Even
See how long it may take for monthly savings to offset refinance costs.
Buy vs. Wait Analyzer
A quick comparison to help frame the decision.
Closing Cost Estimator
Estimate closing costs using a simple 3% baseline.
Down payment help
Iowa down payment assistance programs
If you are buying in Iowa, there may be assistance options worth exploring depending on your goals, income, and property. This is kept simple on purpose, so it educates without overwhelming.
- Talk through monthly payment comfort before shopping
- Review down payment strategy and cash-to-close goals
- Explore whether assistance options are worth considering
- Get a custom payment scenario before writing an offer
Best next step
Schedule a consultation or send a property for a custom payment breakdown.
Schedule Consultation
Reviews
Des Moines mortgage reviews from clients and realtors
Communication, education, responsiveness, and smooth closings are the themes that come up again and again.
A
Abigail Jennings★★★★★
“Brady sets the gold standard for communication, professionalism, and client care. He goes above and beyond to make sure buyers understand every part of the mortgage process.”
Verified client
R
Reed Tellinghuisen★★★★★
“Working with Brady made the home-buying process incredibly smooth as a first-time buyer. He made sure I understood every step so I felt confident in my decisions.”
Verified client
T
Troy Zimmerman★★★★★
“Brady and his team kept us informed every step of the way and made the entire process seamless. Getting to clear to close felt completely stress-free.”
Verified client
Z
Zack Barragan★★★★★
“Brady went above and beyond to keep everyone informed throughout the transaction. His communication was top-notch, and the buyers received clear to close weeks ahead of schedule.”
Verified client
Meet the team
The people keeping every loan organized and moving
Ryan Roman
Pipeline Manager
Ryan helps keep files moving efficiently and communication organized throughout the loan process.
Team
Lori Burnette
Junior Processor
Lori supports processing and documentation so the client experience stays smooth and on track.
Team
Kristen Reid
Loan Processor
Kristen helps prepare files for underwriting and keeps the process moving toward a clean closing.
Key Mortgage Group
The power of a like-minded mortgage group
Key Mortgage Group is made up of loan officers who work independently but share the same mindset about how clients should be treated. Professionals like John Cornish, Louie Wickett, Jared Nicolaisen, Luis Solis, Tucker Dickherber, and Brady Haye all operate separately while aiming to deliver the same level of service, communication, and care.
Our goal is simple: that the Iowa market feels a similar level of service no matter which Key Mortgage Group professional a client works with.
Educating Homebuyers Podcast
A bigger part of the brand, not a link at the bottom
Real conversations with real estate professionals, clients, and industry experts to help buyers and homeowners understand the mortgage process and the people shaping the local market.
Featured listening options
Watch or listen wherever you want
The podcast is one of the best ways to experience Brady’s education-first approach, bringing mortgage strategy, local insight, and practical homebuying conversations into one place.
What listeners can expect
- Mortgage education made easier to understand
- Conversations with realtors and local professionals
- Practical tips for buyers, refinances, and next moves
- A resource clients can return to long after closing
Common questions
Des Moines mortgage questions, answered
Clear answers to what buyers and homeowners ask most. Have a question that isn’t here? Reach out anytime.
What areas does the Brady Haye Mortgage Team serve?
Brady Haye is based in Urbandale in the Des Moines metro and is licensed to originate mortgages in six states: Iowa, Nebraska, Arizona, Florida, North Dakota, and Illinois. Much of the team’s work is with buyers and homeowners across central Iowa and the greater Des Moines area.
How do I get pre-approved for a mortgage?
You can start your application online in a few minutes, or schedule a free consultation first if you’d like to talk through your goals. Brady reviews your situation, explains your options, and gives you a clear pre-approval so you can shop with confidence and write strong offers.
What types of home loans do you offer?
The team helps with home purchase loans, refinances, first-time buyer financing, and investment property loans, including conventional, FHA, VA, and USDA options where you qualify. The right program depends on your goals, credit, income, and the property, which is exactly what a consultation is for.
Do I really need a 20% down payment?
No. Many buyers purchase with far less than 20% down, and several loan programs allow low down payments. There may also be down payment assistance options for Iowa buyers depending on your income and the property. Brady can walk you through what’s realistic for your budget before you start shopping.
Is there any cost or obligation to talk with you?
No. Consultations and pre-approvals come with no obligation. The goal is to help you feel informed and comfortable, whether you’re ready to buy now or just planning ahead for a future move.
What makes the Brady Haye Mortgage Team different?
An education-first approach. Brady is known for personalized video explanations, deep dives into your loan estimate, and clear guidance on what comes next, backed by the Educating Homebuyers podcast. Helping you feel informed, educated, and comfortable isn’t a tagline; it’s how the whole process is run.
Is Brady Haye a licensed mortgage loan officer?
Yes. Brady Haye is a licensed mortgage loan officer, NMLS #1450053, with Key Mortgage Group. He has been helping homebuyers and homeowners since 2015. You can verify any loan officer’s license at nmlsconsumeraccess.org.
Licensed states
Serving clients in six states
Licensed to originate mortgages in Iowa, Nebraska, Arizona, Florida, North Dakota, and Illinois.
IowaNebraskaArizonaFloridaNorth DakotaIllinois
Guides
Mortgage guides for Iowa buyers and homeowners
Longer explanations of the programs and decisions that come up most, written to be read start to finish rather than skimmed.
Des Moines mortgage lenderWhat working with a local lender actually changes, and the metro service area.
First-time buyer guideThe full sequence from pre-approval to closing, and what trips people up.
FHA loansDown payment and credit requirements, mortgage insurance, and property standards.
VA loans in IowaZero down, no monthly mortgage insurance, and how the funding fee works.
RefinancingBreak-even math, cash-out tradeoffs, and when the answer is no.
Down payment assistanceIowa Finance Authority programs and how eligibility actually works.
Areas we serve
Mortgage lending across the Des Moines metro
Based in Urbandale, the Brady Haye Mortgage Team works with buyers and homeowners throughout central Iowa. Every community in the metro has its own inventory, price range, and pace, and the right loan strategy shifts with it.
Des Moines
From Beaverdale bungalows to East Village condos, Des Moines has some of the most varied housing stock in the state. Older homes can bring appraisal and condition questions worth planning for before you write an offer.
West Des Moines
A wide range of price points, from established neighborhoods east of Jordan Creek to newer development on the west side. Move-up buyers here often need to line up a sale and a purchase at the same time.
Ankeny
One of the fastest-growing communities in Iowa and a common landing spot for first-time buyers. Offers move quickly, so a solid pre-approval matters more here than almost anywhere in the metro.
Waukee
Heavy new construction, which means builder timelines, extended rate locks, and financing that has to hold up months before closing. Worth a conversation early rather than at contract.
Urbandale
Home base. A mix of mid-century neighborhoods and newer builds along the northwest corridor, drawing both first-time buyers and families trading up within the same school district.
Johnston & Grimes
Steady demand and a good balance of established and new construction. Buyers here frequently compare a slightly larger home further out against a shorter commute closer in.
Clive
Higher price points and a fair number of jumbo and near-jumbo scenarios. Down payment structure and loan sizing deserve real attention before shopping.
Altoona, Norwalk & Bondurant
Outer-ring communities where USDA eligibility sometimes still applies depending on the property. Worth checking, because a zero-down option changes the math entirely.
Ames & Story County
A market shaped by Iowa State, with a strong rental and investment component alongside owner-occupied purchases. Investors here often need financing that qualifies on the property rather than personal income.
Connect with Brady
Talk to a Des Moines mortgage lender
Whether you are buying, refinancing, or planning ahead, the first step is getting clarity on the strategy that fits your goals.
Phone: 712-830-0025
Email: bhaye@gokeymortgage.com
Office: 2370 NW 128th Street, Urbandale, IA 50322
Mortgage tips, podcast clips, and real estate insights
Quick mortgage education, real conversations, and behind-the-scenes content from the Brady Haye Mortgage Team. This is where to follow along.