Home loans made simple, strategic, and on your timeline.
From a soft-pull pre-approval to a clear-to-close, we keep you and your agent informed, educated, and comfortable. No jargon. No surprises.
Our 3 Step Process
Apply, Upload & Meet
- Complete your application (soft-pull start)
- Secure document upload
- Consultation to identify and rank your goals
Bonus: You’ll get a detailed loan estimate video so there are no rate or fee surprises.
Agent advantage: Clients are educated and confident before they shop.
Shop & Strategize
Personalized pre-approval, weekly check-ins, and payment scenarios for every home you consider.
Agent advantage: We call listing agents to build confidence in your offer.
Close Smoothly
Clear timelines, proactive communication, and an on-time closing. Post-close support included.
Agent advantage: No last-minute surprises—deals close on time, every time.
Loan programs
Conventional
Competitive options with clear guidelines and upfront expectations.
FHA
Great for lower down payments with flexible credit guidelines.
VA
Zero-down options for eligible veterans and service members.
USDA
Rural housing program with attractive terms and low down payments.
Down Payment Assistance
Explore local/state programs to reduce upfront cash. We’ll guide eligibility and application.
Licensing: Iowa • Nebraska • Arizona • Florida
Meet Brady Haye
Brady Haye has been helping homebuyers and homeowners in Des Moines navigate the mortgage process since 2015. After graduating from Buena Vista University, he joined Key Mortgage Group to align his business with a platform that prioritizes what matters most—clients’ goals, transparency, and service that’s actually worth recommending. Brady is known for his unique, hands-on approach. Whether you're a first-time buyer, refinancing your current home, or purchasing a second property, Brady takes the time to walk you through every step. That includes personalized video consultations, deep dives into your loan estimate, and clear guidance on what to expect next—because being informed, educated, and comfortable isn't just a tagline—it’s how Brady believes every mortgage should feel. Today, Brady leads the Brady Haye Mortgage Team, a growing group dedicated to streamlining the mortgage experience while still keeping it human. With a strong presence across Iowa he’s built a network of loyal clients and trusted real estate partners through consistency, care, and a whole lot of 5-star reviews. He’s also the host of the Educating Homebuyers Podcast, where he brings on realtors, clients, and industry pros to break down the homebuying process and shine a light on local stories. It’s another way Brady gives back to the people and the communities he serves. When he’s not working on loans or filming content, Brady lives in West Des Moines, Iowa. He loves playing golf, connecting with friends, watching sports, and spending quality time with his family. Ready to work with someone who cares about your goals as much as you do? Reach out and let’s talk about what’s next.
Meet the Brady Haye Mortgage Team
Brady Haye — Mortgage Advisor
Here to make sure you feel confident and informed every step. I’ll guide you through the process, help you meet your goals, and I’m available nights, weekends, and holidays—text, call, or email.
Ryan Roman — Loan Pipeline Manager
Ryan leads communication with you, your agent, and our internal team. He keeps timelines tight and updates flowing—your go-to for questions as we move forward.
Kristen & Lori — Loan Processing Support
Behind the scenes, Kristen & Lori collect documents, work with underwriting, and keep everything organized and on time. You may not hear from them directly, but they’re crucial to a smooth close.
Reach all of us: teambhaye@homeside.com
What clients say
Read more on Google“Would absolutely recommend over and over! … Very thorough, responsive and knowledgeable. Do not sleep on this team!”
“Brady Haye and his team has made buying and closing on homes an extremely easy and pleasant experience. Brady is extremely reliable and great with speedy informative responses. I feel confident recommending their services to anyone.”
“As first-time homebuyers … Brady made the whole process feel manageable. We felt heard and supported.”
“Outstanding communication and a clear-to-close weeks ahead of schedule!”
Mortgage Calculator
Estimate only. Not a commitment to lend. Actual terms vary.
Educating Homebuyers | The Podcast
2024 Lower, LLC dba Homeside Financial | Lower, LLC is a subsidiary of Lower Holding Company. NMLS #1124061 | 5950 Symphony Woods Road, Suite 312, Columbia, MD 21044 | nmlsconsumeraccess.org | Equal Housing Opportunity. Home lending products offered by Lower, LLC. Licensed in 47 states including the District of Columbia | Arizona Mortgage Banker License--1000936 | Massachusetts Mortgage Broker License -- MC1124061 | Massachusetts Mortgage Lender License -- MC1124061 | Lower, LLC conducts business in Kentucky, and Washington as Lower.com, LLC; Montana as Lowerdotcom,LLC; Oklahoma as “Lower Mortgage, LLC. Lower, LLC is a family of companies. Lower® and its DBAs (AMSW Lending, Community Lending, Alderus Mortgage, AMSW Lending, Banner Mortgage, Cabrales Mortgage, Community Lending, Fairfax Mortgage, First Trust Mortgage Company, First World Home Loans, Hamilton Home Mortgage, Heckman Mortgage, Homeside Financial, Homeside, Home Team Lending, Key Mortgage Group, Lengendary Mortgage, Lower, Lower Local (ID Only), Lower.com, Lower.com, LLC, McCaughan Home Lending, Oxford Home Lending, PowerProt Mortgage, PowerTPO, Sky Mortgage Group, Team Hochberg (ID Only), Thrive Mortgage, True Lending, Universal Lending Home Loans, Vybe Morgtage and Yes Mortgage) provide home loans; Lower Realty, LLC provides real estate services; Lower Insurance, LLC facilitates shopping experience for homeowner’s Insurance policies. All loans are subject to underwriting or investor approval. Not an offer of credit or a commitment to lend. All rights Reserved.
EQUAL HOUSING OPPORTUNITY • NMLS ID #1124061 • © 2024 Lower, LLC. All rights reserved. • nmlsconsumeraccess.org
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