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Celebrate Labor Day Weekend at the Craft Beer Shindig & Street Food Fair!

by Jane Fischer and Associates

Celebrate the long holiday weekend at the Craft Beer Shindig and Street Food Fair!!! Join Mason City Brewing for this fantastic 2 day festival that will truly delight your taste buds and your ears!

 

 

 Head to East Park (802 3rd Street Northeast, Mason City) on Friday, August 31st, (5 pm to 11 pm) and Saturday, September 1st, (Noon to 11 pm) for craft beer, food, and music!


 

The Shindig will feature 56 uncommon Iowa beers on tap! Participating breweries include Mason City Brewing, Lake Time Brewery, Maple City Brewing Company, Rustic Brew, Worth Brewing Company, WestO Beer, and more! Find your new favorite brew while supporting the best local breweries in our state!

 

 

 Dine on delicious food from your favorite food trucks and vendors! Food will be provided by Grandma Sugar's Cupcakery, Hot Beef Sundaes, Little Chicago Pizza, Meat Nick & Meat Justin, and Mr. Taco.

 

 

 Dance the days away to fantastic music from the best local and regional acts! There will be music by Max Hay, Emmett Sheehan, John Carden, and more!


 

Jane Fischer & Associates Team hopes you have a fun and safe Labor Day Weekend in Mason City!  


 

Image Credit: Globe Gazette

Don't let the closing on your North Iowa home stress you out!

by Jane Fischer and Associates

Congratulations! You’ve found your dream home in North Iowa and the seller accepted your offer! You are now in the home stretch to getting handed the keys to your new life. There are a few more final and essential steps that need to be made. Here is an easy guide to home closing so that you are prepared in the last days of your home buying process!

 

#1 Square Away Contingencies

Make sure that any contingencies (i.e. home inspection, appraisal, and financing) are met before the final transaction. This protects you in the event an issues arise.

 

#2 Clear the Title

Your mortgage lender will check for anyone that claims title to the home and see if there are any liens attached to the property. Make sure to buy title insurance so that you can protect yourself from any legal claims as the ownership transfers to you.

 

#3 Get Approval of Your Final Mortgage

Even if you got pre-approved for the loan, your mortgage lender must now verify that you accurately represented yourself by going through the underwriting process. As long as you made no large purchases during closing that will affect your credit score, or changed jobs, you should make it through this step like a breeze.

 

#4 Check Your Closing Disclosure

Review your closing disclosure against the loan estimate you received when you first got your pre-approval. Check out the mortgage payments, interest rate, loan terms, and closing costs to make sure that everything matches.

 

#5 Do One Last Walk-through

Do a final walk-through of your new home in the last 24 hours before closing. This allows you to make sure that the previous owner has truly moved out and that the home is in the condition that you agreed upon. Most sales contracts allow buyers to do a walk-through of the house before closing, within 24 hours. Make sure the previous owner has vacated unless you’ve allowed a rent-back arrangement.

 

Now get your hands ready to do some signing of paperwork and the keys to your new home will be waiting for you!

 

Have more questions about the home buying or selling process?  Contact us at anytime. You can also learn more about the community, real estate and more by following us on our Facebook page

Iowa Independent Film Festival is Bigger than Ever!

by Jane Fischer and Associates

The IOWA INDEPENDENT FILM FESTIVAL  is BACK and BIGGER THAN EVER! Enjoy the best independent films from around the world this weekend on Friday, August 24th, and Saturday, August 25th! The 11th annual IIFF is jam packed with feature films, short films,  documentaries, and filmmaker discussions!


NEW THIS YEAR: The festival is no longer just in Mason City! There are also screening locations throughout the beautiful city of Clear Lake! Along with all the cinematic fun, take the opportunity to explore these incredible venues throughout our fantastic North Iowa communities!

The Main Event (112 2nd Street Southeast, Mason City)

Mason City Community Theatre (215 South Delaware Avenue, Mason City)

Mason City Public Library (225 2nd Street Southeast, Mason City)

Clear Lake Lake Theatre (4 North 4th Street, Clear Lake)

Clear Lake City Park (Main Avenue, Clear Lake)

Clear Lake Arts Center (17 South 4th Street, Clear Lake)


With additional venues and more films than ever, your weekend at the IIFF will be the best one yet. Check out the FULL SCHEDULE to plan out your Friday and Saturday!


Tickets cost $30 per person and include access to ALL movies on both days! Purchase tickets at the door or in advance HERE! Don’t miss out on any of the cinematic fun!


Mason City is filled with incredible cultural events, such as the Iowa Independent Film Festival, all year round! If you want to call this incredible community home, give the Jane Fischer & Associates Team a call today or visit our website at http://www.janefischer.com/.



Image Credit: Iowa Independent Film Festival  

Steps to Prep Your Garden for Fall!

by Jane Fischer and Associates

While we continue to enjoy the final days of summer, it is a great time to prep your North Iowa garden for the colder days ahead! Keep your landscaping looking great into the fall and next year by following these simple steps!

 

1. Water your plants and trees to ensure they have plenty of moisture in their roots.


2. Buy Bulbs so you can take advantage of lower prices in the off season.


3. Till Your Soil for next year's growth.


4. Plant Autumnal Annuals to keep your garden bright and colorful well into the fall.


5. Add Shrubs and Evergreens so they can root before the winter.


6. Cut Your Grass Lower to help the soil dry out quicker in the spring.


7. Remove Debris Rose Beds since fallen rose foliage is a spot where plant diseases can fester in the winter.


8. Cut Back Perennials so that they have room to grow next year.


9. Clean The Vegetable Garden of weeds and debris to keep pests at bay.


10. Remove Annuals that are dead and use them in your compost heap.


11. Dig Summer Bulbs and store them inside so you can enjoy them again next year.


12. Plant Bulbs that are hardy enough for colder temperatures so that they bloom as soon as spring comes around.


13. Nourish Your Lawn so it has all the nutrients it needs to last throughout the winter.


14. Rake all fallen leaves so your lawn can breathe and use the shredded leaves for mulch.


15. Protect Plants from the upcoming cold by placing frost barriers on them immediately after the first freeze.


16. Plant Bulbs Indoors to get a jump start on your spring garden.


17. Bring Container Plants Indoors after you have removed them of pests.


18. Empty Water from your hoses, fountains, and irrigation systems and store in a dry place so they are working properly next gardening season!

 

For more great home owner tips, visit our Website and follow us on Facebook!

 

How to Be An Effective Open House Guest!

by Jane Fischer and Associates

Open houses are the most valuable tool you can use during the search for your dream home. They allow you to go beyond the online listing and truly see whether or not the home is the right fit for you. Knowing how to be an effective open house guest can help you get the most out of the process and ensure that you are moving into your new home in no time. Follow these helpful tips to make you the savviest open house guest on the block!

 

Scope Out the Neighborhood

Arrive a bit early for the open house and take a little tour around the neighborhood. Talk to neighbors that are out and about to see whether the area is a good match for you.

 

Arrive Early

Beat the crowd by getting there early. This will allow you more time to talk with the listing agent before you have to compete for their attention.

 

Be Friendly

If you like the house and want to make an offer, you will be entering into negotiations with the listing agent shortly. You want to always make the best first impression so that any part of the process that is yet to come will go smoothly.

 

Don't Overshare

Remember that the listing agent is there for the seller and not you. Be smart about what information you share in order to not weaken your negotiating power.

 

Ask Questions

This is your opportunity to truly see if the house will work for you and find out information beyond what is provided online. Don't be shy about asking questions and take lots of notes. These will help you make your final decision. Important questions to ask include: What offers have been made? What is the seller's timeline? How long has the home been on the market? Has the price changed at all? What recent repairs and renovations have been completed? What are the average utility costs in the summer and winter?

 

Thank the Listing Agent

After you have gotten everything that you need from the open house, be sure to thank the listing agent for their assistance and hospitality. Hopefully you will be seeing them soon as you close on the home!



For more useful home buying tips, visit our Website and follow us on Facebook!

Start the School Year in One of Iowa's Top Districts!

by Jane Fischer and Associates

A new school year is right around the corner! Now is the perfect time to check out the best school districts in our area to set your child up for success! Living near highly rated schools is a top priority for home buyers and helps increase the value of your home!

If you are looking for a new home in North Iowa that is located within one of the state's top school districts, look no further!


GARNER-HAYFIELD-VENTURA COMMUNITY SCHOOLS - A Overall Rating! A+ ratings for Teachers, Administration, and Health & Safety! A/A- ratings for Academics, Clubs & Activities, Sports, and Resources & Facilities! The district ranked in the top 7% of ALL districts in the state!  GHV serves 972 students in PK-12th grades, with a student-teacher ratio of 12:1.



Want to start off the school year in one of Iowa’s top school districts?! Search all homes for sale in the GHV School District. If you have more questions about this district, Give our team a call! We will have you find the perfect home for your family in this incredible district!



Get more local information  about North Iowa by Following us on Facebook!

 

Image Credit: GHV School District

How to Build a Great Credit Score

by Jane Fischer and Associates

Are you looking to purchase a home or get a personal loan?  Having a good credit score gives you many more options!  Some people haven't had a chance to build their own credit as of yet, while others may have had a financial setback that threw their credit backyards.  If you are in either of these categories, don't fret!  We've got the tips to help you build your credit to where it needs to be!

If you’ve never had any credit to your name, here’s what you need to focus on:

  1. Apply for a secured credit card.  This is to help you establish credit, without putting down a deposit.  This won’t be used for the long-term, just to get you started. 
  2. Apply for a credit builder loan- This is exactly what it sounds like.  A way to build your credit with a manageable loan amount.
  3. Do you have someone who could co-sign a loan?  If so, you can opt for this option to build credit, but normally at a lower interest rate.
  4. Make sure the rent you pay is being reported to the credit bureaus. RentalKharma and RentTrack are just a couple of platforms who will do this.

If your credit has taken a hit in recent months or years, working to rebuild it is critical.  Building good credit takes at least 6 months of an on-time payment history. Building good credit habits will help you get back on track.

  1. Make 100% of your payments on time.  This includes; rent, credit cards, utilities, school loans and medical bills.
  2. Keep your credit utilization low.  Meaning not more than 30% of the credit offered should be used.
  3. Keep your accounts open for as long as possible. Unless one of your unused accounts has an annual, all accounts should be kept open and active to count toward your length of credit, payment history and utilization.
  4. Make sure not to open too many accounts as this will initially lower your credit score and shorten the average time open of all accounts.
  5. Check your credit reports frequently for errors and your credit score on a monthly basis to see your progress.  Websites like www.creditkarma.com and www.nerdwallet.com, offer free credit score checking without causing a ‘hard hit’ to your credit.

Do you have more questions about the mortgage loan process or home buying?  Visit our website or contact the Jane Fischer team directly.

 

For more helpful information for home buying, check out website and facebook page regularly.

Displaying blog entries 1-7 of 7

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Jane Fischer
Real Estate Consultants
641-424-HOME (4663)

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