A Better Way
Built on Real Solutions.
Contract Exchange provides flexible real estate and lending services across Iowa—designed to fit your situation.
Quick Check
See If Your Situation Fits.
A few quick questions to help us understand your situation. No credit pull, no pressure- just a simple way to see if we can help.
Who We Help
Flexible Options for Buyers, Sellers, and Partners
Homebuyers
Financial Solutions
Sellers and Partners
Our Services
Tell Us What You're Looking to Do.
We'll guide you to the right solution.
No pressure and no credit pull to get started.
What We Do
Real Solutions for Real Situations.
We provide fast, fair, and reliable home loans to Iowans who have been turned down by banks in the past. Contract Exchange also takes care of the paperwork and payments for property contracts, so you don't have to worry about the details.
Need to sell instead? We make cash offers for hard-to-sell homes or contracts. If debt consolidation is your goal, we can help you with that, too. We’re here to find an option that works for you.
Our Process
4 Easy Steps to a Home Loan.
We'll guide you to the right solution.
1
Talk With Us
Answer a few quick questions, and we’ll reach out to discuss your unique situation.
2
Careful Review
We look at each situation individually, with the flexibility to find the option that works best for you.
3
Clear Guidance
If we move forward, we'll clearly explain the terms and walk you through each step, so you know what to expect.
4
Close with Support
We’ll be by your side through closing and every step along the way. Everything stays in-house with Contract Exchange, so you can always reach out to us directly.
No pressure and no credit pull to get started.
What Our Clients Say
"This company is not like any other today. They help you when you are down. They don't just take you down or leave you homeless. When you speak to them you hear the care in their voices. I highly recommend coming to this company. They are amazing people."
Deborah M.
CEC Client
Why Contract Exchange
Experience without noise.
01 —
Structured, Not Rushed
Every deal moves at the pace of proper evaluation. We are not driven by volume, urgency, or quota pressure. We are driven by getting it right.
02 —
Grounded in Reality
We work with real properties, real contracts, and real people. Not abstract financial instruments or spreadsheet exercises disconnected from the ground.
03 —
Professional & Accountable
We hold ourselves to a standard of follow-through and transparency on every engagement—from first conversation to final close and beyond.
04 —
Decades of Disciplined Judgment
Over 40 years in situations that don't fit a standard template has built something no process can replicate: real experience in complex real estate.
Our Process
Four steps. No surprises.
Step 01
Initial Conversation
We listen first. A clear understanding of your situation guides everything that follows—no assumptions, no shortcuts.
1
Step 02
Careful Evaluation
Each deal is reviewed on its own merits—not filtered through a one-size-fits-all checklist or automated scoring model.
2
Step 02
Clear Terms
If we move forward, terms are presented plainly with no hidden complexity, no fine print designed to confuse.
3
Step 02
Follow-Through
We see the deal to completion and remain accountable beyond the close. That's what 40 years of relationships are built on.
4
Featured Homes
Explore Available Homes.
Interested in buying a home? You can use our program to buy any house that's on the open market, or purchase one of the homes below to take advantage of low move-in costs.
Available
West Des Moines, ia
120 7th St West Des Moines, IA 50265
5 BEDROOM / 2 BATHROOM
$269,900.00
Available
des moines, iowa
3311 2nd Ave Des Moines, IA 50313
2 BEDROOM / 1 BATHROOM
$129,900.00
More Properties Available
Browse all current listings on our full property catalog.
What Clients Say
Trusted for the deals that others couldn't close.
Have nothing but good things to say about this company. Very easy to work with. They are always helpful when we have questions. Highly recommend.
— Stephanie J.
We focus on doing fewer deals—better.
Responsibility over volume. That's not a tagline. It's how we've built every relationship and evaluated every contract since we started. When you work with Contract Exchange, you work with people who have genuine stake in the outcome.
Why Choose Us
Why Choose Contract Exchange.
Our Values
What We Stand For.
Reliability
45 years of experience guiding smart financial decisions you can trust.
Clarity
We walk you through every step, so you always know what to expect.
Custom Solutions
Every deal is tailored to your unique financial situation and goals.
Integrity
Honest, follows all regulations, and focused on what’s right for you. A+ BBB rating.
Opportunity
We help you use real estate as a powerful tool to build wealth.
Our Mission.
At Contract Exchange Corporation, our mission is to help individuals achieve their real estate goals and move beyond lending challenges through clear guidance and flexible solutions.
We believe real estate is a powerful tool for building wealth, and we're committed to creating opportunities, no matter your past.
Important Disclosure: We evaluate each situation individually and do not rely solely on traditional credit scoring models. Initial qualification is based on information provided and does not constitute a loan approval. A full application and review of credit, income, and property details is required for final approval. All loans and financing options are subject to approval based on credit, income, property, and underwriting criteria. Terms, rates, and eligibility may vary by applicant. Property eligibility and financing are subject to review and approval. Not all properties or applicants will qualify. Some services involve the use of your home as collateral. It is important to understand your options before moving forward.