Welcome to Motto Mortgage Specialty, your local partner in navigating the Iowa housing market. Whether you're buying your first home in Des Moines, refinancing in Cedar Rapids, or investing in property in Iowa City, we’re here to guide you every step of the way.

Motto Mortgage’s national network backs us, but our Iowa team is focused on you. We’re available by phone, email, video, or, depending on location, in-person consultation.

Why Choose Us in Iowa?

• Licensed Iowa Mortgage Broker – Fully compliant with state and federal regulations.
• Local Expertise – Deep understanding of Iowa’s housing trends, property taxes, and lending laws.
• Personalized Service – We tailor loan options to fit your goals, budget, and timeline.

Popular Loan Programs in Iowa

• Conventional Loans
• FHA Loans
• VA Loans
• USDA Rural Development Loans
• Refinancing Options

IOWA Housing Market SnapShot

Home Prices and Growth Trends

• Median Home Price: ~$252,000
• Annual Price Growth +3.1% year-over-year
• Inventory is growing: 14,088 homes for sale, up 13.2% YoY
• Iowa is on track to eliminate its housing shortage by the end of 2026
• Fastest Growing Cities: Bettendorf (+33.1%),  Clive (+28.4%),  Marion (+16.3%),  Davenport (+14.6%)
• Top Cities We Serve: Des Moines, Cedar Rapids, Davenport, Sioux City, Iowa City

Property Taxes

• Property Tax Rate: ~1.5%
• Property taxes account for 19.7% of monthly homeownership costs, ranking Iowa 11th highest nationally

• Iowa ranks 8th nationally for housing affordability when factoring in mortgage costs and local wages
• The average Iowan needs to work 41 hours per month to afford a mortgage—16 hours less than the national average
• Despite rising prices, Iowa remains one of the most affordable states for homeownership.

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