Buy a Home
Even If You've Been Turned Down Before
At Contract Exchange 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. If you’ve been putting your plans on hold, we’re here to help you.
No upfront fees. No judgment. Real solutions. Talk to a person.
Quick Check
See If Your Situation Fits.
A few simple questions to help us get to know your needs. No credit pull, no pressure, just an easy way to see how we can help you.
Who This Is For
This May Be Right for You If You…
How It Works
4 Easy Steps to a Home Loan
01 —
Call Us
Call us directly or click "Virtual Chat" to discuss your needs with our virtual help desk.
02 —
Apply
Complete your application. We'll review your information and discuss the financing options you may qualify for.
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.
Benefits
What You Get with Contract Exchange.
Low Move-in Cost Options
Affordable entry so you can get started sooner.
Flexible Terms
Loans made for you, not one-size-fits-all
Credit Challenges Accepted
We look at your full picture, not just a score.
Immediate Equity
Ownership and wealth-building 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.
Experience the Difference
Why Iowans Choose Contract Exchange
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.
What our clients say
Real Results From Real Iowans.
"We are beyond pleased with the level of service and professionalism at Contract Exchange Corporation. This company has been in business for a LONG time and know(s) real estate so well gave us clear expectations and followed through on every promise."
Sarah K.
CEC Client
Begin
Start a Conversation
Own Your Future.
Through fair and honest contract sales. Ready to take the next step?
Two minutes. No pressure. No credit pull.
Important Disclosure: Contract Exchange considers a variety of factors when evaluating loan applications and may consider applicants who do not meet traditional lending guidelines. However, loan approval is not guaranteed. All applications are subject to review of credit history, income, employment, assets, property information, debt obligations, and other underwriting requirements. Not all applicants will qualify. Loan amounts, down payment requirements, interest rates, terms, and closing timelines vary based on individual circumstances. References to credit challenges, prior loan denials, bankruptcy, self-employment, non-traditional income, or other financial situations do not guarantee approval or specific loan terms. Any examples of affordability, equity, or financing benefits are illustrative only and may not apply to every borrower. Terms and conditions apply.