How Ela Knapp Stands Out on Social Media (and Why She Listens Before She Sells)
Ela Knapp of the Danielle Seifert Real Estate Team at RE/MAX Concepts shares how she built a unique social media presence, why she listens before she sells, and the home age she thinks is the sweet sp... ...more
The Lofty Lender
October 09, 2026•6 min read
Temporary Rate Buydowns Explained: How a 2-1 Buydown Can Lower Your Mortgage Payment | Lofty Lender
Meta description: What is a temporary rate buydown? Kyle Guldenpfennig and Charlie Chedester break down how a 2-1 buydown works, who pays for it, and why it can beat a price cut for Des Moines homebuy... ...more
Lofty Lender
October 02, 2026•7 min read
Why Consistency Beats a Perfect Budget Every Time | The Lofty Lender
Mortgage loan officer Kyle Guldenpfennig and Charlie Chedester talk budgeting habits that actually stick, the real cost of going over budget on a home purchase, and why automation beats willpower. ...more
The Lofty Lender
September 25, 2026•5 min read
Making the Mortgage Process Easier: What Charlie and I Actually Ask For (and Why)
Kyle Guldenpfennig and Charlie Chedester break down why the mortgage process feels overwhelming, and the specific things (a document checklist, a secure upload portal, knowing underwriting will ask qu... ...more
The Lofty Lender
September 18, 2026•4 min read
Success Stories: What Actually Separates a Good Outcome From a Lucky One | Lofty Lender
Kyle Guldenpfennig shares real client success stories from The Lofty Lender podcast, and breaks down what actually separates a lucky outcome from a good one in the mortgage process. ...more
The Lofty Lender
September 11, 2026•8 min read
Expectation vs. Reality: Why the Real Stress in Buying a Home Isn't the Process, It's the Surprise
Kyle Guldenpfennig and Charlie Chedester break down why the gap between what you expect and what actually happens is the real source of stress in the mortgage process, straight from The Lofty Lender p... ...more
The Lofty Lender
September 04, 2026•8 min read
Rent or Buy in 2026? Why the Real Question Isn't the Price Tag
Is it cheaper to rent or buy right now? Kyle Guldenpfennig and Charlie Chedester break down the real math behind the rent-vs-buy decision, straight from The Lofty Lender podcast. ...more
The Lofty Lender
August 28, 2026•6 min read
Your Mortgage Rate Isn't the Only Rate That Matters: Understanding Your "Household Interest Rate"
Locked into a low mortgage rate but still carrying high-interest debt? Kyle Guldenpfennig and Charlie Chedester break down the "household interest rate" and how home equity can help you pay it down, s... ...more
The Lofty Lender
August 21, 2026•5 min read
Why Did My Mortgage Payment Go Up? Escrow Shortages Explained
Mortgage payment went up without a refinance? Des Moines lenders Kyle Guldenpfennig and Charlie Chedester explain escrow shortages and how to fix them. ...more
The Lofty Lender
August 07, 2026•6 min read
Why Everyone Seems to Be Moving to the Des Moines Metro Right Now | The Lofty Lender
Out-of-state buyers are flooding Waukee, Ankeny & the Des Moines metro. See why affordability, remote work & new tax law are driving the surge. ...more
Lofty Lender
July 31, 2026•5 min read
Wire Fraud in Home Buying: How to Protect Your Closing Funds from Scammers
Wire fraud costs home buyers millions every year. Learn how mortgage wire fraud scams work and the exact steps to protect your closing funds, straight from The Lofty Lender podcast. ...more
The Lofty Lender
July 24, 2026•5 min read
What Ankeny Sellers Get Wrong (And How Allison Hart Fixes It)
Ankeny real estate agent Allison Hart shares what sellers get wrong, how emotional intelligence closes deals, and tips for scaling a local business. ...more
The Lofty Lender
June 19, 2026•7 min read
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2753 99th St, Urbandale, IA 50322
Charles: (515) 229-6564
Kyle: (319) 850-2435
Fax: (866) 424-0683
[email protected]
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Midwest Family Lending Corporations NMLS #4622
Individual NMLS: Charles #8636, Kyle #1504981, Jess #1550797, Kristi #2234329
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