Bannen Davis Mortgage Team

Bannen Davis Mortgage Team When you are ready to begin the mortgage lending process, I will be with you every step of the way! I pride myself on dependability and accessibility.

Whether it's a purchase or a refinance, you are working with a highly skilled professional who strives for great customer service. When you are ready to begin the mortgage lending process, I will be with you every step of the way to make sure that your loan closes quickly and smoothly. My favorite part of the job is watching someone get excited to move into their new home. It is gratifying to know

that I played such an integral role in helping them achieve their dream of home ownership. I look forward to the opportunity to work with you! Bannen Davis NMLS #940469 ; Gershman Investment Corp.; Equal Housing Opportunity; nmlsconsumeraccess.org;

🏡 Thinking about buying a home in a rural area? A USDA loan might be your perfect match!A USDA loan is a government-back...
08/06/2025

🏡 Thinking about buying a home in a rural area? A USDA loan might be your perfect match!

A USDA loan is a government-backed mortgage designed to help low-to-moderate income buyers purchase homes in eligible rural AND suburban areas with NO down payment required 🙌

✅ 0% down
✅ Competitive interest rates
✅ Lower mortgage insurance costs

You don’t have to be a farmer to qualify, but you must meet the income and location guidelines!

Interested in learning more? Get in touch with us today! www.bannendavis.com

08/04/2025

🚨 Major Victory: Trigger Leads Severely Restricted!

Great news for homebuyers and mortgage professionals!

On Saturday evening, the U.S. Senate unanimously passed the Homebuyers Privacy Protection Act, a long-awaited win in the fight against unwanted solicitation. Once signed by President Trump, the law will take effect in six months, helping protect consumers from the flood of calls, texts, and emails that often begin immediately after applying for a mortgage.

Under the new law, trigger leads will only be allowed in very limited circumstances, and only if the third party can certify one of the following:

✅ The consumer explicitly consents to receive these solicitations
✅ The third party originated the consumer’s current mortgage
✅ The third party is the servicer of the current mortgage
✅ The third party is a bank or credit union that holds a current account for the consumer

This is a huge milestone for privacy rights and a major step forward in protecting borrowers from predatory practices. It’s been years in the making—and it’s finally here.

Have questions about what this means for you or your clients? Let’s talk.

Headed out for a summer getaway? Don’t forget to prep your home before you go! 🏡- Lock all doors/windows- Set timers on ...
07/30/2025

Headed out for a summer getaway? Don’t forget to prep your home before you go! 🏡

- Lock all doors/windows
- Set timers on lights
- Pause mail or ask a neighbor to grab it
- Water plants/take care of pets
- Unplug small appliances
- Park a car in the driveway (if possible)

Happy travels!

🇺🇸🎉 TODAY’S THE DAY! 🎉🇺🇸Come PACK OUR TRUCK & PRESS YOUR LUCK at Shottenkirk’s Hot Dogs & Hot Rods – starting at 12 PM a...
07/19/2025

🇺🇸🎉 TODAY’S THE DAY! 🎉🇺🇸

Come PACK OUR TRUCK & PRESS YOUR LUCK at Shottenkirk’s Hot Dogs & Hot Rods – starting at 12 PM at 755 Hickman Rd, Waukee!

We’re teaming up with the Blue Star Mothers of Iowa to support our deployed troops with care packages – and YOU can help us send 2,500 this year! 💪

🎟 DONATE & ENTER TO WIN:
✨ $100 Gift Card
✨ $50 Gift Card
✨ FREE Massage from Summer’s Massage Therapy
✨ Unlimited Month + Sauna/Cold Plunge from

🌭 Free hot dogs. 🚗 Cool cars. 🎁 Awesome prizes. 🇺🇸 Even better cause.

Bring an item from the 2025 Care Package Wish List or scan the QR code at the event to donate online!

Let’s show up BIG for our heroes. 🦸‍♂️ 🦸‍♀️

Hosted by .us

Home is more than a place...it’s where your story begins, where love grows, where memories are made, and where your hear...
07/02/2025

Home is more than a place...it’s where your story begins, where love grows, where memories are made, and where your heart is. 💙

At the Bannen Davis Mortgage Team, our clients are more than just transactions - they’re families, dreamers, and future homeowners we genuinely care about. It’s an honor to help each one find a place their heart can call home. 🏡❤️

Planning to buy a house this summer? Protect your credit by avoiding these 3 common mistakes:🚫 Don’t open new credit acc...
06/27/2025

Planning to buy a house this summer? Protect your credit by avoiding these 3 common mistakes:

🚫 Don’t open new credit accounts.

💳 Don’t rack up high credit card balances.

⏰ Don’t miss or make late payments.

Keeping your credit clean can make or break your mortgage approval—stay smart this summer! ☀️

Mortgage Rates Are Dropping – Here's What That Means for You!Good news if you're thinking about refinancing or buying a ...
06/27/2025

Mortgage Rates Are Dropping – Here's What That Means for You!

Good news if you're thinking about refinancing or buying a home: mortgage rates are on a winning streak!

After peaking back in May, rates have been sliding down nicely. Since June 6th, the average 30-year fixed mortgage rate has dropped by almost a quarter of a percent — and just today, it dipped another 0.07%. That might not sound huge, but in the mortgage world, it adds up fast!

Usually, when rates drop, it’s because the economy shows signs of slowing down, which also tends to make the stock market stumble. But this time, stocks and rates are both looking strong — a rare combo! That’s because investors are betting the Federal Reserve will start cutting interest rates soon, which helps drive both lower mortgage rates and rising stock prices.

Now, a quick reality check: winning streaks don’t last forever. We’ve had 5 straight days of lower rates, and while things look good now, rates could bounce up slightly — just like a ball that hits the ground and bounces back a bit.

But for now, if you're on the fence about locking in a mortgage rate, it's a great time to take a fresh look. These trends don’t always last, and locking in a lower rate could save you thousands over the life of your loan!

☀️ New home, new season, new budget!💸Summer is a great time to enjoy your new home — but it can also come with surprise ...
06/26/2025

☀️ New home, new season, new budget!💸

Summer is a great time to enjoy your new home — but it can also come with surprise expenses. Here are a few quick budgeting tips to keep your finances cool:

💡 Watch your energy bill – Use fans, program your thermostat, and close curtains during peak heat.

🌿 Plan for lawn care – DIY or hire help? Factor it into your monthly budget.

🧰 Stay ahead on maintenance – Clean gutters, check your HVAC, and avoid costly repairs later.

🍔 Host smart – Backyard BBQs don’t have to break the bank. Potlucks are your friend!

A little planning now = more peace of mind all season long!

Not all loans are created equal—and the one you choose will impact your monthly payment, upfront costs, and long-term sa...
06/25/2025

Not all loans are created equal—and the one you choose will impact your monthly payment, upfront costs, and long-term savings. Here’s why understanding your loan matters:

🔍 Different loans = different rules
Some require mortgage insurance. Others have income limits. Some help with lower credit scores, but cost more over time. Knowing the details helps you avoid surprises later.

💸 The lowest rate isn’t always the best deal
A lower rate with high fees or long-term mortgage insurance might cost more in the long run. Make sure you’re comparing the whole picture.

📈 Your goals should guide your loan
Planning to move in 5 years? You might not need a 30-year fixed. Want to keep payments low? Look at options with reduced PMI.

💡 Knowledge = power (and savings!)
Understanding your loan gives you control—and could save you thousands over the life of your mortgage.

📲 Have questions? Let’s walk through your options together. Choosing the right loan starts with being informed. Visit us online at www.bannendavis.com

Wondering what the difference is between a buyer’s & seller’s market? Let's break it down!🏠 Buyer’s market: More homes f...
06/10/2025

Wondering what the difference is between a buyer’s & seller’s market? Let's break it down!

🏠 Buyer’s market: More homes for sale than buyers. That means more choices and negotiating power for buyers!

🔑 Seller’s market: More buyers than homes available. Sellers often get top dollar — sometimes even multiple offers!

Knowing the difference helps you plan your next move with confidence!

🏡 House hunting? Start by separating your needs from your wants! ✅ Needs = must-haves (think: 3 bedrooms, safe neighborh...
06/04/2025

🏡 House hunting? Start by separating your needs from your wants!

✅ Needs = must-haves (think: 3 bedrooms, safe neighborhood)
✨ Wants = nice-to-haves (like a pool or walk-in closet)

Knowing the difference can save time and money.

Address

130 5th Street
West Des Moines, IA
50265

Telephone

+13198507685

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I pride myself on dependability and accessibility. Whether it's a purchase or a refinance, you are working with a highly skilled professional who strives for great customer service. When you are ready to begin the mortgage lending process, I will be with you every step of the way to make sure that your loan closes quickly and smoothly. My favorite part of the job is watching someone get excited to move into their new home. It is gratifying to know that I played such an integral role in helping them achieve their dream of homeownership. I look forward to the opportunity to work with you!