Des Moines, Iowa · Licensed in 7 states · 100% referral-based

A mortgage experience
built around
you.

From the first conversation to the closing table and beyond, I educate my clients, set clear expectations, and deliver for them and their agents.

Start my application
360+
5-star Google reviews
10+
Years closing loans
7
States licensed
100%
Referral-based business
Louie Wickett
Louie Wickett
Branch Manager & MLO
Key Mortgage Group · NMLS #1212160
Buy a home
Verified
360+ Five-Star Google Reviews
Business model
100% Referral-Based
Philosophy
Your Lender for Life
What I can do for you

We can make it happen.

Whatever your situation — first home, next home, investment, or refi — I'll walk you through every option, set honest expectations, and be there at every step.

Down payment help
Grants and programs that put real money toward your closing costs.
Low down payment loans
VA, FHA, and USDA loans with 0–3.5% down for qualified buyers.
Apply now →
VA loans
Zero down, no PMI. Serving those who've served us.
Apply now →
First-time homebuyer
I’ll educate you on every step — no jargon, no confusion, just a clear path to your first home.
Get started →
New construction
Builder-friendly financing from contract to close on new builds.
Learn more →
Refinance
Lower your rate, shorten your term, or pull cash out. Let's run the numbers.
Apply now →
Conventional loans
The most common loan type. As little as 3% down for qualified buyers.
Apply now →
USDA loans
No down payment for rural and suburban Iowa buyers who qualify.
Apply now →
The LouieLends difference

I educate my clients, set clear expectations, and deliver for them and their agents.

Start your application
Education First
You’ll understand every program, every number, and every option before we move forward. No jargon, no pressure.
Clear Expectations
You’ll always know exactly where you stand, what’s coming next, and why. No surprises at the closing table — ever.
Deliver High Service to Clients and Realtors
From the first conversation to closing day and beyond — buyers get a lender for life, and agents get a partner they can count on every time.
@louie_lends

Follow along on Instagram

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Des Moines Living

Watch & learn

See all videos →
New videos every week — Iowa market updates, buyer tips, and neighborhood tours.
Visit channel →
Follow along everywhere
Stay connected for mortgage tips, Iowa market updates, and behind-the-scenes content.
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What clients and agents say
See all 360+ reviews →
★★★★★

"Louie made our first home purchase feel easy. He explained every step and was always available to answer questions — even on weekends."

Sarah M.
First-time buyer · Ankeny, IA
★★★★★

"We've now closed two homes with Louie. His communication is unmatched — we never once wondered where things stood in the process."

Jake & Emily T.
Repeat client · Des Moines, IA
★★★★★

"As a realtor, I only refer clients to lenders I trust completely. Louie is that lender. My clients thank me every time."

Tricia L.
Real estate agent · Urbandale, IA
Rated 5.0 out of 5 across 360+ verified Google reviews
Leave a review →
Down payment assistance

There’s money available for first-time buyers.
Most people don’t know it exists.

Between our internal Key Mortgage Group grant and Iowa Finance Authority programs, you may have more help than you think. One conversation and I’ll tell you exactly what’s available for your situation.

One grant per loan · eligibility varies

Your loan process roadmap

Once you have an accepted offer, here’s exactly what happens — step by step. No guessing, no wondering. You’ll know what’s coming before it arrives.

1

Congratulations — let’s get to work. This is where the loan process officially kicks off.
2

We lock in your interest rate and confirm your final payment and cash-to-close amounts. You’ll know your exact numbers before anything else moves.
3

You’ll receive an email from Atlantic Coast Mortgage with your initial disclosures to e-sign. Quick, digital, no printing required.
4

Once disclosures are signed, we’ll send you an invoice to pay for your appraisal. This gets the property valuation underway.
5

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