The Lofty Lender

Temporary Rate Buydowns Explained: How a 2-1 Buydown Can Lower Your Mortgage Payment | Lofty Lender

Temporary Rate Buydowns Explained: How a 2-1 Buydown Can Lower Your Mortgage Payment | Lofty Lender

Temporary Rate Buydowns Explained: How a 2-1 Buydown Can Lower Your Mortgage Payment | Lofty LenderTeam Chedester
Published on: 02/10/2026

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 homebuyers.

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Why Everyone Seems to Be Moving to the Des Moines Metro Right Now | The Lofty Lender

Why Everyone Seems to Be Moving to the Des Moines Metro Right Now | The Lofty Lender

Why Everyone Seems to Be Moving to the Des Moines Metro Right Now | The Lofty LenderTeam Chedester
Published on: 31/07/2026

Out-of-state buyers are flooding Waukee, Ankeny & the Des Moines metro. See why affordability, remote work & new tax law are driving the surge.

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House Hacking 101: How to Buy a Home and Have Someone Else Pay Your Mortgage

House Hacking 101: How to Buy a Home and Have Someone Else Pay Your Mortgage

House Hacking 101: How to Buy a Home and Have Someone Else Pay Your MortgageTeam Chedester
Published on: 12/06/2026

Learn how house hacking lets first-time buyers generate rental income to offset their mortgage. Real examples, loan options, and tips from The Lofty Lender.

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Your Lender's Personality Matters More Than Rate | Lofty Lender

Your Lender's Personality Matters More Than Rate | Lofty Lender

Your Lender's Personality Matters More Than Rate | Lofty LenderTeam Chedester
Published on: 05/06/2026

Kyle and Charlie break down what separates great lenders from average ones — from showing up at closing to being reachable on a Saturday night.

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Financing Acreages & Rural Properties in Iowa | Lofty Lender

Financing Acreages & Rural Properties in Iowa | Lofty Lender

Financing Acreages & Rural Properties in Iowa | Lofty LenderTeam Chedester
Published on: 22/05/2026

Thinking about acreage or a hobby farm in Iowa? Learn how to finance rural properties with USDA, conventional, and specialty loans — Team Chedester explains.

Is AI Making Home Loans Harder? | The Lofty Lender

Is AI Making Home Loans Harder? | The Lofty Lender

Is AI Making Home Loans Harder? | The Lofty LenderTeam Chedester
Published on: 15/05/2026

AI is changing how lenders evaluate borrowers — and not always in obvious ways. Learn how artificial intelligence is reshaping the home loan process in 2026.

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