Jake Bemis Mortgage Loan Officer NMLS 1252855

09/04/2025

Are you missing out on substantial savings? If you've bought in the last few years with a 6.75% or higher rate, now's the time to act. Rates are decreasing, and you could save tens of thousands in 5 years. Reach out to explore your savings potential with no hard credit inquiry or fee.

08/01/2025

As our rate relief program comes to an end, I like to look back and see the impact. My borrowers are saving an estimated 95,000 DOLLARS IN COMBINED INTEREST OVER THE NEXT 5 YEARS!! It's things like this that make the job so fun. And while that program is over, we have many other products to help make homeownership a real possibility!

07/07/2025

🏡 Looking to Buy a Home? Let’s Talk Mortgages.

As a mortgage lender with access to multiple investors, I shop around to help you lock in some of the lowest rates available—but that’s just the start.

This year alone, we’ve helped borrowers save tens of thousands of dollars through grants and rate programs. Whether you're a first-time buyer, a veteran, or simply want to ensure you're getting the best deal, I’m here to help.

✅ VA, USDA, FHA, and Conventional loans
✅ Certified with IFA—ideal for buyers without a down payment
✅ Top-tier customer service and guidance from start to finish

If you're currently house hunting, don’t commit to a mortgage without a financial review. Let’s make sure you’re not leaving money on the table.

📞 Reach out today for a quick, no-pressure consultation. Let’s get you set up the right way.

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Jake Bemis
Mortgage Lender | Peoples Bank
Licensed in nearly all 50 states

06/25/2025

📣 When it comes to choosing a mortgage lender, rates and fees do matter — but so does customer service. 🏡✨

Getting a mortgage isn’t just a financial transaction — it’s a major life moment. That’s why communication, transparency, and guidance throughout the process are just as important as locking in a great rate.

💬 This 5-star review is a reminder that how you’re treated during the process makes all the difference. Whether it's your first home or your fifth, you deserve a lender who answers the phone, explains the details, and truly has your back.

If you're ready for a smoother, more personal mortgage experience, let's talk.

05/14/2025

🏡💰 Dreaming of Homeownership with $0 Down? It’s possible with the Iowa Finance Authority’s FirstHome Program!

Most first-time homebuyers think they need at least 3% down to buy a home—but not anymore. With FirstHome, you can:

✅ Put 0% down
✅ Get a second mortgage at 0% interest and no payments to cover your down payment and closing costs
✅ End up with a monthly payment nearly identical to someone putting 3% down!

📊 Just look at this:

Purchase Price: $246,500
0% Down Monthly Payment: $2,057
3% Down Monthly Payment: $2,050
That’s only a $7 difference—but you get to keep your savings in your pocket. 💵

Stop waiting. Start owning.
Ask about the FirstHome loan program today!

04/14/2025

Great closing on Friday! Our buyer was able to lock in a rate of 5.125% fixed rate. What a great start to buying his first home! There are plenty of funds still available for the mortgage rate relief program - call to see if you qualify!

04/01/2025

Rates are down to 5.125%! That's saving over FIFTEEN THOUSAND DOLLARS in interest in the first 5 years of a 250k loan. What a huge savings!!

03/26/2025

These funds are still available! Currently at 5.375% and hopefully getting lower. If you're in the buying market right now or have buyers looking, you need to be seeing if they qualify for this program!

03/12/2025

Two great closings last week! Both borrowers were on short turnaround times, but thanks to the hard work of them and our team we were able to get both closed in just over 3 weeks! No last minute rushes made for happy buyers. It's best to be prepared, which is what we're here to help with!

Closing a real estate deal can be stressful and take several weeks but understanding these steps will help you prepare for the day you get the keys to your new home.

03/03/2025

HOMEBUYERS!!! Starting today and while funds exist, income qualified buyers can get a 30 year fixed rate of 5.375% (as of today). Reach out if you're looking to buy and want to see if you qualify!

01/31/2025

Closing another one this week! Not all files are smooth sailing, and some definitely feel like a rollercoaster. These borrowers were in a tough spot just a few months after buying their home, with almost no equity. But after some strategic planning and out-of-the-box thinking, we got them saving over $400/month (!!). Always feels good to see people come out ahead and in a much better financial spot! 🙌

01/24/2025

Check this place out!

5 Beds. 2-3/4 Baths. Luxury Woven With Comfort in Daybreak!