Details for NONPAREIL

Updated

Real Estate
YouR LifE | YouR homE

First in a Series of SEVEN

For more of this Real Estate Series, check each day this week!
Just look in the Daily Nonpareil on July 16th, 17th, 18th, 19th, 20th, and 21st

MeTRo CReATIve CoNNeCTIoN

Best insurance
coverage at the
best price –
! Oldest and most complete set of
records for Pottawattmie County
! Title Insurance ! Title Searches
! Abstracts
! Loan Closing
! Title Guaranty ! Escrow Services
“Fast and Friendly Service”

www.cleartitlellc.com
535 West Broadway, Suite 203
Council Bluffs, IA 51503

Office: 712.328.1017
Fax: 712.388.2128

I’m your agent for that.

“Our
customers
are our
“Our
customers
are our most important
asset.”

No one wants to pay for
unnecessary extras and with my
help, you won’t have to.

most important asset.”

Residential
●• Residential
Commercial
●• Commercial
Farms & Acreages
& Acreages
●• Farms
Auctions
• Auctions
● New Developments
• New Developments
●

●
●
●
●
●

Licensed in Iowa & Nebraska
Free
Value inEstimates
• Licensed
Iowa & Nebraska
• Free
Value Estimates
MLS
Member
• MLS Member
Community
Involvement
• Community Involvement
Locally
Owned
• Locally
Owned

535
West Broadway,
Broadway, Suite
Suite 100
535 West
100
Council
Bluffs,
IA
51503
Council Bluffs, IA 51503
712-325-0445
712-325-0445

I’ll help make sure you understand your options, and
that you have insurance tailored to you needs.

Like a good neighbor, State Farm is there.®

CALL ME TODAY
Judd Knispel Insurance Agency Inc
Judd Knispel, Agent

1860 Madison Ave, Suite 2 |712-325-0256 | www.juddknispel.com

AUTO • HOME • LIFE • COMMERCIAL

www.heartlandproperties.com
www.heartlandproperties.com

The Buying Process
SToRY FRoM GReeN SHooT MedIA

Congratulations; you’ve decided to buy a home! It can be a scary process, but whether you’re
a first-time homebuyer or seasoned homeowner, it’s good to know what’s ahead for you in
the weeks to months you’re looking for and purchasing a house.
U.S. News and World Report’s
Guide to Buying a Home walks
potential buyers through the steps,
the first of which is to find a real
estate agent. This professional can
answer questions about the housing
market, help you set a price and set
up appointments to show houses,
negotiate with the other party’s
agent and walk you through the
entire process. Finding a real estate
agent you trust is critical; ask friends
for recommendations and interview
potential agents.
Next, find a lender. Collecting the
necessary paperwork and getting
credit checks can take a little
while, and many sellers require a
pre-approval for the loan amount
to entertain an offer. The lender
can talk you through the different
types of loans, how much you can
afford based on your finances and
any programs for which you may
qualify.

school district you’re in, how
long your commute would be
and what traffic is like during
rush hour. Check your local
Make a list of what you want police department’s website
in a home and keep it close by as for crime statistics.
you’re browsing houses. When you When you’re ready to make
visit houses, ask questions, check an offer, get the pre-approval
out all the nooks and crannies, for that amount in hand. Your
turn on lights and the stove and agent will do the necessary
flush toilets. If you’re interested in paperwork, though you’ll have
a house, talk to neighbors about dozens of papers to sign. You
what the area is like, figure out what and the seller may go back and

© AdoBe SToCk

forth on the cost. When an
offer is accepted, you’ll make
a small escrow payment, then
your agent will help you find
an assessor to examine the
house for problems, which
you and the seller can then
negotiate to get resolved.
Your lender also will hire an
appraiser to assess the value
of the home; most lenders
will not make loans for
more than what the house is

appraised for. At the end of
the escrow period, you’ll go to
the title company, sign more
paperwork and pay closing
costs and down payment.

535 WEST BROADWAY, SUITE 300, COUNCIL BLUFFS, IA 51503

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