Welcome - Get the best real estate listings & homes for sale, expert advice, local info, and much more from Celia Simmer & Elke Simmer Gerdes, a proven Cedar Falls and Waterloo, Iowa NUMBER1EXPERT™ Top Selling real estate agent. Find Cedar Falls and Waterloo Homes - Find Cedar Falls and Waterloo, Iowa real estate listings & homes for sale provided by Celia Simmer & Elke Simmer Gerdes, your local expert real estate agent. For Home Buyers - Get home buying information, the latest listings, mortgage informaiton, expert advice, and much more from Celia Simmer & Elke Simmer Gerdes, a proven Cedar Falls and Waterloo, Iowa NUMBER1EXPERT™ Top Selling real estate agent. For Home Sellers - Get home selling information, fsbo information, expert advice, find out what your home and other homes in your neighborhood are selling for, and much more from Celia Simmer & Elke Simmer Gerdes, a proven Cedar Falls and Waterloo, Iowa NUMBER1EXPERT™ Top Selling real estate agent. Cedar Falls and Waterloo Information - Find local information on Cedar Falls and Waterloo, Iowa including schools reports, local maps and links, things to do, area photos, and relocation information. Local information provided by Celia Simmer & Elke Simmer Gerdes, a proven NUMBER1EXPERT™ Top Selling real estate agent. Real Estate Resources - Find real estate related resources including real estate news, tips, dictionary, trivia, mortgage calculators and information, local real estate related services, and much more from Celia Simmer & Elke Simmer Gerdes, a proven Cedar Falls and Waterloo, Iowa NUMBER1EXPERT™ Top Selling real estate agent. About Celia Simmer & Elke Simmer Gerdes - Information about Celia Simmer & Elke Simmer Gerdes including testimonials, guarantees, credentials, and contact information. Learn why Celia Simmer & Elke Simmer Gerdes is a proven Cedar Falls and Waterloo, Iowa NUMBER1EXPERT™ Top Selling real estate agent. 
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Financing Your Home >The Loan Application
When you have decided on a mortgage lender, you begin the loan process by filling out a loan application. You should be fully prepared to go over your current financial situation and credit history with the loan officer.
Have a record of all of your current bank accounts, including the name and address of bank(s), type of account(s), and approximate balance(s). Be prepared to provide details about outstanding loans, including student loans and major credit accounts. You will also need information about your assets, such as car title, stocks and bonds, and life insurance policies. If you foresee any credit problems, ask the loan officer for advice on how to keep them from interfering with approval of your mortgage loan. The loan officer can usually give you a prompt opinion about your chances for obtaining a mortgage.
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Who is "Fannie Mae" and why is she a big name in real estate?
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"Fannie Mae" is the real estate industry nickname for FNMA, or Federal National Mortgage Association, the stockholder-owned corporation that purchases mortgages from mortgage lenders. |
 See More Real Estate Trivia > |
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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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