One or more mortgage companies offer their services in Ames. A mortgage company offers financing to the debtor or creditor in lieu of a personal property as charged for security of the loan. This is done on the understanding that the ownership of the property reverts to the debtor as soon as the loan is paid in full. This is most popularly used for residential properties. Mortgage refinancing options may also be available. The company has to be accredited and licensed by the government. Buying a home can be a very expensive business, but it is also one of the commonest human dreams. A mortgage company, such as the one in Ames, helps you realize the dream within a short span of time, and helps you pay it off in easy instalments. A number of documents are required for the entire process of applying and qualifying for a mortgage.