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First Time Homebuyers: Cedar Falls and Waterloo Iowa home buying, real estate listings, and homes for sale in Black Hawk County, IA

Welcome > For Buyers > First Time Homebuyers ...

Buying Your First Home? Realtors Are Your Professional Guides. Make Sure You Choose a Top Expert.

You might be a bit afraid or intimidated by the whole process of buying your first home. As a top Cedar Falls and Waterloo real estate expert, it's my job to guide you, from beginning to end.

I will take the time to go through each and every step of the buying process. There are no dumb questions!

Together, we will consider:

- How much can you really afford?

- How to qualify for a mortgage.

- How much cash you should put down.

- How to buy a home with little or nothing down.

- What it takes to get approved for financing. What banks and other financial institutions are looking for.

- How much your payments will be.

- The tax advantages of buying.

- Is renting or buying better for you?

Tell me a bit about your situation below. I'll get right back to you. There is absolutely no charge, and I offer this to you with no strings attached. Please fill out the form below...

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Closing or Settlement >Estimated Closing Costs

There is a federal law that requires mortgage lenders to give prospective buyers an itemized, "good-faith" estimate of their closing costs. Sometimes buyers arrive at the closing with this document in hand and proceed to question each item on the final closing statement that does not match the estimate exactly.

These "good-faith" estimates are just that--estimates. The lender's charges will be fairly accurate, but the charges for attorneys, termite inspections, title insurance, and other items that appear on the closing sheet may vary from the estimate. Some pro-rated items, such as taxes or homeowner's association fees, will also be different if you don't close on the date that was used to calculate the estimate. The purpose of the disclosure law is to give you a ball park figure of your closing costs. But the estimate you are given won't be to the penny--probably not even to the dollar!

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Q	Fewer than 2 percent of homeowners build this type of home:
A	Fewer than 2 percent build a custom home; most buy an older home or select from a home builder's menu.
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Real Estate

Excellence

Celia Simmer, REALTOR�, real estate agent and broker for Cedar Falls and Waterloo Iowa home listings, property and land for sale - NUMBER1EXPERT(tm)

Celia Simmer
TRAPP GMAC Real Estate
3321 Cedar Heights Dr.
Cedar Falls, Iowa 50613
Cell: 319-240-4337
Toll Free: 877-292-2121
Office: 319-277-2121 ext 204
Fax: 319-277-2127
Email: Celia@CF4Sale.com
Are you interested in buying or selling real estate in Waterloo or Cedar Falls, Iowa? If so, you've come to the right place! My name is Celia Simmer, and for the last 7 years, I've specialized in helping my clients find the perfect home or commercial space in beautiful Black Hawk County. Please allow me to be your guide.

Want to invest in housing for your University of Northern Iowa student? Need school information from this area? As a life-long resident and a graduate of UNI, I know the town and its market. I've worked with buyers in Waterloo and Cedar Falls; Denver, Dike, Hudson, and Wavery.

Introducing people who are relocating to this area is easy for me, having been raised here myself and raising my 6 children here. I take great pride in providing top quality real estate service and first class performance.

www.CedarFalls4Sale.com is brought to you by Celia Simmer
NUMBER1EXPERT™ in real estate for Cedar Falls and Waterloo, Iowa

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