Business Details
Your Trusted Mortgage Partner in Ames, IA
Global State Mortgage is a seasoned team of local mortgage loan originators dedicated to prioritizing client needs through impeccable service and outstanding communication. With expertise in guiding first-time homebuyers and seasoned real estate investors, we simplify the mortgage process by offering personalized loan options that save time and money. Our commitment to transparency and client education ensures a stress-free experience from pre-approval to closing.We specialize in diverse mortgage programs, including conventional, FHA, VA, jumbo, and renovation loans, while maintaining a focus on competitive rates and low fees. Our team's deep understanding of local market needs, combined with certifications like Certified Divorce Lending Professional, positions us to address unique financial scenarios with tailored solutions.
Services
Conventional Mortgage
FHA Mortgage
VA Mortgage
Jumbo Mortgage
Renovation Mortgage
Highlights and features
- We offer personalized loan options tailored to unique financial scenarios
- Our team includes a Certified Divorce Lending Professional
- We provide multiple loan products with competitive rates and low fees
- Our local expertise ensures deep understanding of Iowa market needs
- We guarantee transparent communication throughout the mortgage process
What people say
Prompt and attentive
Smooth process
Knowledgeable professionals
Timely communication
Stress-free experience
Services
Conventional Mortgage
Conventional mortgages offer flexible terms for borrowers with strong credit histories. These loans follow guidelines set by Fannie Mae and Freddie Mac, providing competitive rates without government insurance. Ideal for buyers with at least 5% down payment, our conventional loans feature customizable terms from 15-30 years with options for fixed or adjustable rates.
FHA Mortgage
FHA loans provide accessible homeownership opportunities with low down payments and lenient credit requirements. Backed by the Federal Housing Administration, these mortgages require just 3.5% down while offering competitive interest rates. Our specialists guide first-time buyers through the process, ensuring compliance with FHA guidelines while maximizing affordability.
VA Mortgage
VA loans deliver exclusive benefits for eligible military members and veterans, including zero down payment options and no mortgage insurance. These government-backed loans feature competitive rates with flexible qualification standards. Our team streamlines the VA approval process, helping service members leverage their earned benefits for hassle-free homeownership.
Jumbo Mortgage
Jumbo mortgages cater to high-value property purchases exceeding conventional loan limits. Our program offers competitive rates for luxury homes or properties in high-cost areas, with flexible underwriting for borrowers with strong financial profiles. We provide tailored solutions for unique real estate investments while maintaining transparent communication throughout the approval process.
Renovation Mortgage
Renovation mortgages finance property purchases and improvement projects simultaneously. These specialized loans cover acquisition costs plus repair expenses through a single closing process. Ideal for fixer-upper properties, our program offers streamlined funding for kitchen upgrades, structural repairs, and energy-efficient improvements while maintaining competitive long-term financing terms.
People
Lisa Severseike
Branch Manager + Mortgage Loan Originator
With extensive experience in USDA rural development loans, Lisa specializes in guiding first-time homebuyers through complex financing scenarios while maintaining exceptional client communication.
Alli Kuberski
Mortgage Loan Originator
Recognized for prompt service and smooth loan processes, Alli excels at making mortgage transactions accessible and stress-free for both first-time and repeat homebuyers.
Michael Weber
Mortgage Loan Originator
Known for exceptional efficiency and professionalism, Michael delivers tailored mortgage solutions while maintaining clear communication throughout the entire loan process.
Leiah Paustian
Mortgage Loan Originator
Specializing in timely mortgage closings, Leiah provides responsive service with a focus on simplifying complex transactions for first-time homebuyers.
Angie Kettwig
Mortgage Loan Originator
Renowned for 24/7 availability and stress-free guidance, Angie specializes in electronic mortgage processing while maintaining personalized client support for first-time homebuyers.
Questions
What mortgage options do you offer?
We offer conventional, FHA, VA, jumbo, and renovation mortgages with competitive rates and flexible terms to suit various financial situations.
Are you licensed to operate in Iowa?
Yes, we're licensed by Iowa's Department of Financial Protection and Innovation under the CRMLA with NMLS #1850.
Do you offer specialized programs for first-time buyers?
Yes, we provide tailored guidance and loan options specifically designed for first-time homebuyers' unique needs.
How quickly can you process a mortgage?
Many clients close within 30 days using our streamlined process, with some transactions completing in just two weeks.
Can you help with refinancing?
Yes, we offer cash-out, rate-and-term, and streamline refinancing options to help homeowners achieve their financial goals.
What makes your service different?
Our local expertise, certified professionals, and commitment to personalized communication create a stress-free mortgage experience.
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