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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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For Home Sellers:
Why Sellers Choose Celia Simmer & Elke Simmer Gerdes - Why home sellers in Cedar Falls and Waterloo choose Celia Simmer & Elke Simmer Gerdes. Free Presentation - Free in-home listings presentation on marketing your Cedar Falls and Waterloo, in Black Hawk County Iowa property. Property Valuation - How much is your Cedar Falls and Waterloo home worth? What Did That Home Sell For? - What did that Cedar Falls and Waterloo, Iowa property or other real estate sell for? FSBO - Selling your Cedar Falls and Waterloo real estate on your own? 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 >Qualifying Guidelines
It may be difficult to qualify for a home mortgage loan. As a buyer, you may find the perfect home, but finding the perfect financing might become elusive. After you complete the application process, your lender may turn you down, which is an upsetting development for any prospective homebuyer. What can be done to remedy such a setback?
The answer depends on why you were turned down. If your income is too low to satisfy one mortgage company, there might be another company with more liberal qualifying guidelines. If you have had credit problems, some lenders may be more willing than others to help you clear them up in a manner that satisfies their underwriters. If your loan runs into problems, sit down with the loan officer and your real estate agent to investigate the possibility of using a different lender. The first company may be able to "assign" the package to a competitor, enabling you to use your same credit report and appraisal. You will need the cooperation of your sellers, too.
While loan rejections are disappointing, they can be resolved.
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| Q |
What are considered the ideal conditions for a buyer's market?
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| A |
In a buyer's market, there are more houses for sale than buyers, homes take longer to sell, and sellers may have to cut prices. |
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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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