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• Special Offers - Special offers for Cedar Falls and Waterloo homeowners from Celia Simmer & Elke Simmer Gerdes.

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• Real Estate Tips - Celia Simmer & Elke Simmer Gerdes' realty library of real estate tips and advice on everything from preparing your home for sale to negotiating with home buyers to escrow, closing costs, property inspections, and mortgage brokers.

• Real Estate Trivia - Celia Simmer & Elke Simmer Gerdes' collection of real estate trivia questions and answers that include real estate topics such as the most expensive home, largest swimming pool, and more.

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Real Estate Tips

First Time Buyers >The Seller May Pay

The costs of buying a home may be daunting. For example, you may have finally saved enough for a down payment on your first home, with a little left over to buy the furniture you will need. Then you hear about having to pay closing costs you weren't anticipating, and this may seem like a real setback.

One way to cover such a shortage is to make the sellers an offer that calls for them to credit you for some of the closing costs. As a rule, the sellers may pay a maximum of 3 percent of the sales price if the buyer is putting five percent down. If the buyer is making a down payment of 10 percent or more, the seller can contribute up to 6 percent of the sales price to cover the buyer's closing costs. Some items, such as prepaid taxes and the first month's mortgage payment, must be paid by the buyers. Sellers may also contribute to paying the appraisal, points, title insurance, settlement attorney fees, state or local transfer taxes and similar items.

Keep in mind that if the credit is included in the price of the house, the appraiser will have to justify the amount, based on sales prices of similar homes in the neighborhood.

	See All Tips In The "First Time Buyers" Category >
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Real Estate Trivia

Q	Who is considered the world's most renowned living architect?
A	I.M. Pei who retired in 1991; he earned this status after designing the glass pyramid entrance pavilion to the Louvre in Paris (1989).
See More Real Estate Trivia >

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Celia Simmer and Elke Simmer TRAPP REALTORS 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. www.CedarFalls4Sale.com is brought to you by Celia Simmer & Elke Simmer Gerdes, real estate for Cedar Falls and Waterloo, Iowa Read Celia Simmer & Elke Simmer Gerdes' Privacy Guarantee, Terms of Service, and Free & Without Obligation Pledge

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