Cedar Falls and Waterloo Iowa real estate listings, home buying, selling and relocation information

All agents are NOT alike! Find out why you will benefit from working with me. Call me: 319-240-4337.

New listings
Receive new listings weekly.
Find Out More >
View All Offers >

"Celia went above and beyond"
"Celia went above and beyond...she picked me up following a car accident and took me to my closing, THEN to get a rental car."
Sharon Puls Curtright
Read Quote >
View All Quotes >

Compare three mortgages at one time. Download TripleCalc now. It's free.

Find Out More >
Download Now >

Celia Simmer is one of The Top Selling Real Estate Experts™
Find Out More >

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

Welcome > Main Sitemap > For Buyers ...

*Your Name:
*Your Email Address:
Send Latest Listings:
Send Latest News:
Your Message or Comments:

* Please note that fields marked with an asterisk are required.

Quick Response Guarantee >
I Guarantee Your Privacy >
Free & Without Obligation >

Financing Your Home >If You Are Self Employed

There's no question that it could be more difficult for you to get a mortgage loan if you are a free lance viola player than if you are a government accountant. Traditionally, lenders have been more cautious when evaluating loan applications of buyers who are self-employed than people who work for a regular salary.

However, if you are self-employed, there is no reason for you to shy away from applying for a home mortgage loan, especially if your earnings have been in the same field for at least two years. It is a good idea to meet with one or more loan officers before you begin your search. They will probably want to analyze your tax returns for the past 2 or 3 years, keeping in mind that many self employed people can look impoverished on paper, since you can write off some expenses that salaried individuals can not. Try to get pre-approval from the lender, and ask for a letter stating that you have pre-qualified for a loan which your real estate agent can attach to any offer you submit on a home. This will make you more attractive to the sellers.

	See All Tips In The "Financing Your Home" Category >
	See Complete Library Of Hundreds Of Tips In 30+ Categories >

Q	What is arguably the world's strangest (and most dysfunctional) kitchen?
A	In 1998 the Kemper Museum of Contemporary Art in Kansas City first displayed a kitchen made entirely of 40 million colored glass beads by artist Liza Lou of Topanga, California.
See More Real Estate Trivia >

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

Read My Privacy Guarantee, Terms of Service, and Free & Without Obligation Pledge