A man in a suit gestures while speaking to a young man and woman in casual clothes, discussing obstacles they might face on their journey to homeownership as the pair listens attentively indoors.

A Few Obstacles to Homeownership

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Illustration of a person with a gold coin jumping over obstacles to homeownership, with text listing common mortgage approval hurdles: debt-to-income ratio, insufficient down payments, low credit scores, and limited income reserves.

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  • A smiling man with a bald head and white beard is wearing a suit jacket and a checkered shirt. He stands against a plain teal background.

    Terry is owner and a licensed Real Estate Broker of iTown Real Estate in Indianola, Iowa. Terry earned the designation of the prestigious Accredited Land Consultant (ALC) through the REALTORS® Land Institute in 2014. In 2023, Terry earned the Certified Real Estate Negotiator designation. Locally he has been in leadership roles with the REALTORS® Land Institute Iowa Chapter, Rotary Club of Indianola, Mt. Calvary Lutheran Church and LaunchPad65. In addition, he is a member of the National Association of REALTORS® and the Des Moines Area Association of REALTORS®.

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