The Simmons Hemer Team is a top lender in the Central Iowa market. Chuck Simmons and Emily Hemer have over 30 years of combined mortgage origination experience. Whether you are a first-time homebuyer who would like to learn about all of the options and down payment assistance grants that may be available or a first time homeowner looking to make your next move, you can trust Chuck and Emily to guide you through the mortgage process. Chuck Simmons (NMLS# 488072) is an Owner and a Mortgage Lender with Motto Mortgage Midwest and a specialist in VA financing as well as Condo financing. With more than 23 years of mortgage experience, Chuck has helped thousands of individuals and families realize their dream of homeownership. Emily Hemer (NMLS# 987280) is an Owner and a Mortgage Lender and a specialist in first-time homebuyer loans. Emily has over 11 years of mortgage experience and has been a key component in the success of the Simmons-Hemer Team. Motto Mortgage Midwest (NMLS# 1959963) is an Equal Opportunity Lender.