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All agents are NOT alike! Find out why you will benefit from working with us. Call us: Celia at 319-240-4337 Elke at 319-240-3034
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Information on $8000 or $6500 stimulus money
find out if you qualify for the stimulus tax credits for home buyers. Give us a call or send an e-mail to Celia@CF4Sale.com or Elke@cfu.net
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"Celia should get an award!"
"Celia should get an award for selling a house to the pickiest worry warts in Iowa."
Deb Hampton
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Celia Simmer & Elke Simmer Gerdes
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About Celia Simmer & Elke Simmer Gerdes:
About Celia Simmer & Elke Simmer Gerdes - Information about Celia Simmer & Elke Simmer Gerdes of Cedar Falls and Waterloo, Iowa Celia Simmer & Elke Simmer Gerdes' Professional Resume - Celia Simmer & Elke Simmer Gerdes'Cedar Falls and Waterloo real estate career in home buying & selling in Iowa. Testimonials - Read what Celia Simmer & Elke Simmer Gerdes' clients are saying about the real estate marketing and services provided. Quick Response Guarantee - A quick response to your email request for more Iowa home buying & property selling information is guaranteed by Celia Simmer & Elke Simmer Gerdes. Privacy Guarantee - This Cedar Falls and Waterloo real estate web site will respect your privacy, guaranteed by Celia Simmer & Elke Simmer Gerdes. No Obligation Guarantee - Celia Simmer & Elke Simmer Gerdes' real estate help by email is free & without obligation for Cedar Falls and Waterloo home owners in Iowa. For Real Estate Agents - Let Celia Simmer & Elke Simmer Gerdes help you with your professional real estate broker and agent needs in the Cedar Falls and Waterloo area. About NUMBER1EXPERTS™ - NUMBER1EXPERTS™ are top real estate professionals, find out more. Contact Information - How to contact Celia Simmer & Elke Simmer Gerdes. Go to Main Sitemap - Main sitemap sections include Find Cedar Falls and Waterloo Homes, For Home Buyers, For Home Sellers, Cedar Falls and Waterloo Information, Real Estate Resources, and About Celia Simmer & Elke Simmer Gerdes. 
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Financing Your Home >Owner Financing
If you are selling a house in which you have a lot of equity, and you don't need that equity to buy a new home, an owner-financing agreement may benefit you and your buyers.
Seller financing arrangements usually involve the buyers securing the largest portion of their purchase money from a mortgage company and getting a smaller second loan from the sellers. For example, they may finance 75% from a lender, put in 15% from savings, and ask the sellers to finance the remaining amount. The terms and interest rates on seller carry-backs are negotiated on a case-by-case basis.
Sellers may be able to negotiate a note that provides a better return on their money than 1-to-5 year CD's or treasury notes. They should ensure that the note protects them to the fullest. Use common sense when considering such a loan, and verify the buyers' income, credit history, and job stability before making your final decision.
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| Q |
What areas are known as the 'silk stocking' districts of this famous city?
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| A |
In Central Park West, Fifth Avenue and Park Avenue in Manhattan, apartments go for $222,610 to $282,709 per room. |
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Celia Simmer and Elke Simmer
TRAPP GMAC Real Estate
3321 Cedar Heights Dr.
Cedar Falls, Iowa 50613
Cell: 319-240-4337 or 240-3034
Toll Free: 877-292-2121
Office: 319-277-2121 ext 204
Fax: 319-277-2127
Email: Celia@CF4Sale.com
Email: Elke@cfu.net
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 15 years, I've specialized in helping my clients find the perfect home or commercial space in beautiful Black Hawk County. Elke Gerdes, my daughter, and I would like you to allow us to be your guides.
Want to invest in housing for your University of Northern Iowa student? Need school information from this area? As a life-long residents and graduates of UNI, we know the town and its market.
We'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 us, having been raised here ourselves and raising our children here. We take great pride in providing top quality real estate service and first class performance.       
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