Neighborhood Finance Corporation

Polk County Residents

Polk County Lending Area

Supporting homeowners and first-time buyers across designated neighborhoods in the Des Moines, Iowa metro, including select neighborhoods in Urbandale and West Des Moines.

Where We Lend

Please confirm specific property eligibility.

Use the Home Locator Tool to verify whether your address is within the Polk County lending area.

Please check spelling before searching.

See Map Key

What You Can Finance

Borrowers in Polk County may qualify for:

Renovation and repair loans
Energy Advantage financing
Forgivable loan options
First-time homebuyer support
Emergency repairs

Need Help Before You Apply?

If you’d prefer to speak with someone first, NFC offers one-on-one guidance to help you understand your options before starting an application.

Talk with a loan originator
Review your loan options
Get help determining eligibility

If you are looking at purchasing a home, please review our Homebuying Journey, Your Steps Home Timeline to help ensure a smooth loan process.

If you are planning on refinancing or getting a home improvement type loan, please review our Home Improvement Timeline to help ensure a smooth loan process.

If you would prefer to talk to a loan originator before starting a loan application for Des Moines, please contact NFC by email or call 515-246-0010 to schedule an in-person or phone appointment.

How the Process Works

Submit Your Application Complete a secure online application or speak with a loan originator to get started.

Connect With a Loan Specialist After applying, an NFC team member will reach out to review your goals and next steps.

Provide Documentation Upload required documents and, if applicable, contractor bids for any repairs or improvements.

Review & Underwriting Your loan is evaluated based on your application, property, and project scope.

Close & Get Started Once approved, you’ll close on your loan and begin your home purchase or improvements.

NFC loans often include forgivable funds and assistance programs that are determined after a full application review.

Apply

NFC offers both an online application and a paper application.

Online Application

If you would like to apply for a loan and to expedite the process, please complete our online application. Please follow the online application instructions here.

Submitting an online application is safe, secure and easy! Once you submit your online application, we will automatically create an account for you that can be used to upload PDF documents needed for your loan application as well as provide you with access to updates on your loan application process. Upon completion of the application, you will be contacted for payment of the $80 (non-refundable) application deposit to order a credit report.

Click here if you experience technical difficulties with the online application process.

Start Online Application

Paper Application

If you are not able to complete our online application, you may also download our NFC Loan Inquiry Form. Return a completed form with payment for the $80 (non-refundable) application fee to NFC.

Si usted no puede completar nuestra aplicacion en linea, Usted tambien puede descargar nuestra aplicacion de consulta de NFC Puede regresar el documento completo con la tarifa de aplicacion de $80 (non-refundable) a NFC.

NFC now accepts Master Card, Visa, Discover and American Express for the application fee

If you are purchasing a home, review the Consumer Financial Protection Bureau (CFPB) Your Home Loan Toolkit - English Version - Spanish Version

Tips on a Successful Application

If you are purchasing a home, provide a fully executed purchase contract to NFC

NFC evaluation is to be ordered by an NFC loan originator

Upon receipt of the NFC evaluation, renovation requirements will be discussed with the buyer

The buyer will need to obtain bids for the required renovation: Our homebuyers must obtain bids from independent contractors to do the proposed rehabilitation. The Bid Process provides guidelines for the homebuyer, the Realtors and the independent contractors. View Contractor Resources.

Upon receipt of the bids, collect a $425 non-refundable application deposit to order the appraisal and other documents required for closing your loan. Consumer Financial Protection Bureau (CFPB) Regulation Z Appraisal Disclosure

Upon receipt of the appraisal, final underwriting to occur

Closing to be scheduled

Property repairs and improvements CANNOT be completed prior to closing on the NFC loan. NFC will NOT reimburse for work completed prior to the NFC loan closing.

For More Information

Please contact an NFC Loan Originator in the Des Moines office. If you would like to schedule a time to meet with a Loan Originator please call NFC at 515-246-0010 or email NFC through the Contact Us button at the top of this page.