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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.