Buy a Home

Even If You've Been Turned Down Before

At Contract Exchange, we lend differently. We see you as a person, not just a credit score, and take the time to understand your full financial situation, instead of relying on strict, one-size-fits-all guidelines.

Our goal is to help more Iowans become homeowners. Don't put your plans on hold.

 Get an Offer
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No upfront fees. No judgment. Real solutions. Talk to a real person.

Who This Is For

See If Your Situation Sounds Familiar.

  • Have low or no credit
  • Have been turned down by a bank
  • Are self-employed or earn 1099 income
  • Have non-traditional income
  • Carry a higher debt-to-income ratio
  • Have been through bankruptcy
  • Are going through a divorce or need a fresh start
  • Want to start investing in real estate

How It Works

4 Easy Steps to a Home Loan

01 —

Call Us

Call us directly or click "Chat Now" to discuss your needs with our virtual help desk.

02 —

Apply

Complete your application. We'll determine how much you're approved for so you can plan with confidence.

03 —

Buy with Confidence

Move forward knowing you have secure, reliable financing that meets your needs.

04 —

Close with Support

We're by your side through closing and beyond. Your loan stays with Contract Exchange.

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Benefits

What You Get with Contract Exchange.

Low Move-In Costs

Affordable entry so you can get started sooner.

Flexible Terms

Structured to fit your needs, not a rigid template.

Credit Challenges Accepted

We look at your full picture, not just a score.

Immediate Equity

Start building ownership from day one.

Quick Closings

We move at a pace that works for your timeline.

Your Loan Stays Local

Talk with us anytime. No call centers, no transfers.

Buying a Home on Contract is Real Home Ownership.

Have questions about how it works, what's included, or what to expect? Our FAQ page covers everything.

Visit our FAQs Page

Contract Exchange

Why Iowans Choose Contract Exchange

45+ years of experience

Flexible, non-traditional solutions

Past credit problems accepted

Clear, step-by-step guidance

Our loans stay local – talk with us anytime

A+ Rating with the Better Business Bureau

Featured Homes

Explore Available Homes.

You can use our program to buy any house on the 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

 View Listing

Available

des moines, iowa

3311 2nd Ave Des Moines, IA 50313

2 BEDROOM / 1 BATHROOM

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More Properties Available

Browse all current listings on our full property catalogue.

 See All Listings

Begin

Start a Conversation

Own Your Future.

Through fair and honest contract sales. Ready to take the next step?

 Reach Out Today
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Two minutes. No pressure. No credit pull.