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2018 North Iowa Studio Tour this Weekend!

by Jane Fischer and Associates

Explore North Iowa in a colorful new way during the 2018 North Iowa Studio Tour!! This fun, inspiring, and beautiful event allows visitors the rare opportunity to get up close and personal with 20 North Iowa artists as they showcase their artistic talents. Visitors can tour the studios, see the creative process in action, ask questions, and purchase original works of art. The tour covers 13 different studios that are located throughout Clear Lake, Mason City, Sheffeld, and Ventura! Be sure to spend your weekend getting artsy at the 2018 North Iowa Studio Tour!

 

 

Dates & Times

Friday, September 28th | 4:00 pm – 7:00 pm

Saturday, September 29th | 10:00 am – 5:00 pm

Sunday, September 30th | 1:00 pm – 4:00 pm

 

 

Locations

Sandra Quintus, Fine Art

3415 260th Street, Ventura

--Sandra Quintus, Fine Art


Images Photography

606 Buddy Holly Place, Clear Lake

--Craig Kienast, Photography


Metamorphosis

2202 16th Avenue North, Clear Lake

--Chris White, Fused Glass & Mosiacs

--Brenda Neshelm-Fuller & Tim Fuller, Jewelry


Edge to Edge Poster Art

518 3rd Street Northwest, Mason City

--Jesse Fox, Paintings


Richard Leet Studio (Saturday Only)

Brick and Tile Building, Suite 425

103 East State Street, Mason City

--Richard Leet, Paintings


David Lee Jeweler

202 2nd Street Southeast, Mason City

--David Lee, Jewelry


Tonja J Fine Arts

502 South Jersey Avenue, Mason City (Entrance in back)

--Tonja Ihienfeldt, Mixed Media


Hand Built By Marg

69 River Heights Drive, Mason City

--Marg Richards, Pottery


Pottery & Painting

68 River Heights Drive, Mason City

--Pam Bergo Coffey, Pottery & Painting

--Gloria Beeman, Fused Glass

--Gretchen King, Enamel Jewelry


Old Oaks Pottery

16125 310th Street, Mason City

--JoAnne Willemsen, Pottery

--Becky Kyhl, Silk Artist


Kostka Artistry

1425 Plymouth Road, Mason City (Backyard)

--Jan Kostka, Painting


Mudworks by Peggy Cornick

205 Red Fox Court, Mason City

--Peggy Cornick, Pottery


Bill Mateer Pottery

11976 110th Street, Sheffield

--Bill Mateer, Pottery

--Margie Kline, Pottery

--Meagan Steinberg, Glass Jewelry

--Linda Sorensen, Fiber


How to Craft Your Offer!

by Jane Fischer and Associates

The most important part of the home Buying process is crafting your offer. Being prepared for this process and well informed can help ensure that the dream home you find will be yours. Since this is the most technical part of buying, working with the Top Realtor Mason City IA can help ease your stress and help you get the best deal possible. Here is our step to step guide to offers for you to make a successful bid on your future home in Mason City IA!

 

1. Determine your limits. This includes your financial and lifestyle limits (i.e. your must haves). Once you know your limits, you can work with your agent on crafting an offer that is best for you.


2. Understand the documentation. Do some research ahead of time on offer forms so that you can understand the terminology. Ask your realtor to see some of the forms and ask any questions that you might have.


3. Set your price. The listing price is what the seller is opening the negotiation with. It is now your turn to provide an offer price. Work with your realtor to determine whether the asking price is fair based on comparable properties, how long it has been on the market, and other related factors. You want to make sure that you provide an offer price that is comfortably within your range and will also be attractive to the seller.


4. Prepare for your down payment. You should have a clear understanding of your finances before putting in an offer for the home. In order to get your mortgage, you will need to put in a down payment. While 20% is the standard for conventional loans, there are other options out there. Work with your lender to determine the option that work best with your finances.

 

5. Make an EMD. Consider making an earnest money deposit to show the seller you are serious about buying the home. Doing this can help you stand apart if the seller has received other offers. If the deal goes through, the money from the EMD will be applied to your down payment during closing.

 

6. Review contingencies. As a buyer, contingencies are especially important in protecting your investment. There are several contingencies that you might find within an offer, including home inspection, financing, appraisal, clear title, and home sale. Talk to your realtor about which ones need to be included. If there is a lot of competition for the home you are interested in, you might want to only include those contingencies you must have as to not scare the seller away.

 

7. Read all the details. It is important that you read every single detail, including the fine print, of a sales contract to avoid any surprises. Along with the obvious information included in these contracts, there is a property description section where the seller will specificy what items are being left behind with the house.

 

8. Set your settlement date. When you submit your sales contract, you will provide the seller with a proposed settlement date. This is how much time you have to obtain mortgage approval and complete a title search. It also gives the seller time to find their next property and move. Be flexible when you set the closing date to keep both you and the seller happy.

 

9. Write a letter. Along with the legal documentation, consider including a personal letter to the seller. You can comment them on their property and tell them why you personally have fallen in love with it. Adding a personal, emotional touch to your offer can really help set you apart.

 

10. Be ready for a counter offer. Most real estate deals require some negotiation so do not be surprised or discouraged if the seller counters your offer. The preparation you did ahead of time and your relationship with your realtor can help you navigate this process with confidence.



If you are ready to buy your dream home in North Iowa, search our Homes for Sale. Give our experienced Team a call today at 641-425-4900 or visit our website at http://www.janefischer.com/.

 

Friday Fun in Mason City!

by Jane Fischer and Associates

September 22nd is the official last day of summer. Have one last hurrah in beautiful Mason City to celebrate this fun season! Check out the fun events planned this Friday in downtown Mason City to end your summer on a high note!

 

15th Annual Ethnic Lunch

Date: Friday, September 21st

Time: 11:00 am - 1:30 pm

Location: Federal Avenue (East Side of Central Park)

Enjoy delicious ethnic food, interesting cultural exhibits, fun live music by Cucho Madero, remarkable diversity awards, geneaology information, and so much more!


Menu from Participating Vendors & Non-Profits:

  • Bethlehem Lutheran - Brats, Hot Potato Salad, Runzas, Apple Dumplings, Baked Goods (German Cuisine)

  • Columbia Club - Beef Tacos, Taco Salad, Fried Ice Cream Sundaes (Mexican Cuisine)

  • Filipino Foodie - Meat on a Stick, Egg Rolls, Fried Rice, Rice Noodles (Filipino Cuisine)

  • Girl Scouts of Greater Iowa - Water & Soda

  • Mr. Taco - Specialty Tacos, Enchiladas, Burritos, Quesadillas (Mexican Cuisine)

  • Ruth Anne’s Home Baked - Ethnic Breads & Pastries

  • St. John’s Episcopal Church - Bangers & Mash, Scones (English Cuisine)

  • State Street Deli - Roast Beef Sandwich (Italian Cuisine)

  • Suzie Q - Philly Cheese Steak, Gyros (Greek Cuisine)

  • Trinity Lutheran Church - Meatballs, Almond Bars (Norweigan Cuisine)

 

Friday Night Live

Date: Friday, September 15th

Time: 6:00 pm - 10:00 pm

Location: Central Park

Cost: FREE admission!

Enjoy live music by Mason City favorite’s The Chocolate Crackers. Check out all the food from your favorite local vendors, as well as great family activities, including inflatables, Imagination Playground, obstacle course, and more!

 

Time To Downsize? Help is Here!

by Jane Fischer and Associates

Although you love your current Mason City IA home, it no longer fits your lifestyle needs. Whether all your children have moved out, you recently retired, or want to live a more sustainable lifestyle, there are multiple reasons why homeowners choose to downsize. You may be moving into a smaller space but there are large considerations that need to be had when you start thinking about this move.

 

Downsizing your North Iowa Home

Questions to Ask Yourself When Considering Downsizing


1. Does size matter? What will I miss about a larger home?

We often equate size with status...after all "bigger is better". Consider how much this matters to you and whether you can readjust this conventional thinking based on your new needs. Also consider what you like about your current home. Weigh out the features and amenities you enjoy about your current home with the benefits of owning a smaller home (i.e. less time spent cleaning).


2. How will a smaller home affect other life events?

Life can be unpredictable. Although your children might have moved out, you never know what circurmstances might arise that could cause them to need a place to stay for a while. Consider whether a smaller home can fit any potential situations that might occur now and into the future. Your new, small home should fit all of your emotional, financial, and physical needs.

 

3. What will the cost be for me?

Logically, a smaller home will cost you less than a larger one. However, you should consider the costs related to downsizing. Fewer rooms means less space for your stuff. There will be some costs accured for replacing furniture, since downsizing your home means also downsizing your furniture. Also, consider whether there are costs to getting rid of items and possessions that won't fit in the new space. Finally, make sure that the price you get for selling your current home will help cover the costs of buying a new home.

 

Finding the Right Home

If after asking yourself those questions above you know that downsizing is the right move for you, then you are ready to start searching for a home. There are many things to consider when downsizing. The first has to do with the style of home. If you want something low maintenance, consider a townhouse or condo. Just make sure you consider the HOA fees when figuring out our budget. For those that prefer a single family home, consider the layout of the home and make sure it will fit your physical needs now and in the years to come. Avoid older homes that might require renovations or continual upkeep. Be sure to understand how small you are willing to go and begin to make adjustments to ensure your lifestyle needs will be met in a smaller space. Along with the home itself, you want to consider the neighborhood. You should determine whether you want your smaller home to be in a pedestrian friendly area, close to all necessarily amenities. Consider whether you want to live in a tight knit community with other residents at the same life stages as you. Work with an experienced North Iowa realtor to help you find the perfect home in the perfect location for you.

 


If you are ready to downsize your home, work with the Top Realtor Mason City IA! We can help you find the perfect property to fit your needs within the North Iowa Homes for Sale. Give our experienced Team a call today at 641-425-4900 or visit our website at http://www.janefischer.com/.

Celebrate Fall in Osage - The City of Maples!

by Jane Fischer and Associates

 

Celebrate the upcoming fall season in the "City of Maples" - beautiful Osage, Iowa! This Saturday, September 15th, from 9:00 am to 4:00 pm come to Autumn Artistry, the largest arts & crafts festival in North Iowa, for some seasonal fun!


With food, music, and art, there is something for the whole family to enjoy at Autumn Artistry! This fantastic community event is taking place throughout Osage. Head to Historic Downtown Osage for a wide variety of local artisans and food vendors. You will find harvest and baked goods, decor for your North Iowa home, handcrafted goods, holiday & gift items, and so much more. Head on over to the Osage Public Library (406 Main Street) for fantastic kids activities, including pumpkin carving! The Mitchell County Fairgrounds (1006 Chestnut Street) will be home to more incredible artisans and vendors, as well as the Blacktop Cruisers 16th Annual Car Show from 11:30 am to 3:00 pm (Registration begins at 8:00 am). Shuttle service will be available between the fairgrounds and a few downtown locations. And, do not miss a special edition of the Farmer’s Market (Parking Lot at South 7th Street & State Streets) from 8:00 am to Noon to find the freshest fall vegetables, colorful mums, delicious baked items, and more locally produced goods.

 

 


Jane Fischer & Associates wishes everyone a day of fun at this year's Autumn Artistry in beautiful Osage!


Image Credit: Osage Chamber of Commerce


The 3 Contingencies in Home Buying

by Jane Fischer and Associates

During your search for a new home, you find that many have Contingent Offer statuses. It is important to understand what these are and whether or not you want to proceed with that particular property. Contingent offers are standard in real estate contracts. They mean that once an offer has been made by the buyer and accepted by the seller, the final sale is contingent upon a set of criteria. There are 3 major contingencies you will find: Home Inspection, Appraisal, and Mortgage. These contingencies allow the buyer to back out of the sale within a certain amount of time and regain their deposit if something goes wrong.


 

HOME INSPECTION CONTINGENCY

The one contingency that you almost always want to have is the home inspection contingency. This gives the buyer the right to have the home professionally inspected before the deal is finalized. A good inspection will find anything wrong with the house. When an issue is found, the buyer can ask the seller to fix it or back out of the sale.

 

APPRAISAL CONTINGENCY

The appraisal contingency means that the lender will hire a third party to evaluate the fair market value of the home. If the appraised value comes in less than the sale price, the buyer can back out of the deal. This helps protect the buyer from overpaying for a home. Here is an example. A home is selling for $250,000. Your loan covers 90% and you need to put down 10% upfront. The home is appraised for $215,000. The loan will now be for $193,500, covering 90% of the appraised value. This means instead of paying a down payment of $25,000 you now are expected to pay $56,500. If the seller will not lower the price based on the appraised value, the buyer can walk away and get their deposit back. In a market with a lot of competition, buyers might want to waive this contingency to be more appealing to the seller. However, realize that waiving this can be a risky move. You can always ask for a second appraisal and present the lender with evidence as to why the home is worth more. This might enable you to secure a loan for the full amount.

 

MORTGAGE CONTINGENCY

The mortgage contingency protects both the buyer and seller by ensuring that the proper finances are in place before getting into a sale. This contingency gives the buyer a certain period of time to obtain a loan that covers the mortgage. If a loan cannot be secured, the buyer can exit the sale with their deposit. This contingency can be easily avoided by knowing that you qualify as soon as you start the home buying process. Use our Loan Analysis tool to help find out what you can afford.

 

Still have questions? For more Home Buying Tips, give our experienced Team a call, visit our website, or check out our Facebook Page. We are here to help if you're considering Buying, Selling, or Investing in Real Estate in the North Iowa. Contact us today at 641-425-4900 or http://www.janefischer.com/.


Stage Your North Iowa Home to Sell!

by Jane Fischer and Associates

Many home sellers wonder whether staging is truly a necessary step when listing their property. Well help is here! If you are interested in selling your North Iowa home, learn more about why you should stage your home in order to receive top value for your property!

 

Home Staging and its benefits to your home sale

 

What is Home Staging?

Home staging is the process of getting a home ready to sell on the market. Its goal is to make the home appealing to the largest number of potential homebuyers. Staging helps create the best possible first impression of the home. It turns it into a welcoming site that highlights the property’s features. Professional home stagers eliminate clutter, arrange and eliminate furniture, extentuate the flow of the house, and add decor to broaden the appeal of the property. Staging allows buyers to visualize themselves in the home and imagine how they would utilize the space if they were to live there. As such, staging helps homes sell more quickly and at higher values.

 

Is Staging a Good Investment?

Home staging does require some capital to do it effectively. Hiring a professional stager is always a wise choice. They are incredibly experienced in the art of staging and know the best ways to highlight your home. If you would prefer to stage your home yourself, you will still likely incur some costs, such as general maintenance and cleaning costs, upgrades, and storage fees for items you want to remove. Although you might not want to put more money into your home right before selling, the Return on Investment (ROI) for staging is well worth it! Any money you spend now, you will see returned to you as your home increases its value through the staging process!

 

What are the Benefits of Home Staging?

There are many benefits that can come from staging your home. Need some hard facts to convince you? The National Association of REALTORS® recently released their 2017 Profile of Home Staging. Their collected data shows the benefits from the points of view of both sellers and buyers of home staging.

 

Buyers’ Agent Perspective

  • 49% of buyers’ agents found staging to have a positive effect on the buyer’s view of the home

  • 77% of buyers’ agents found buyers had an easier time visualizing the home as their own through staging

  • 40% of buyers were willing to see online listings that were staged

  • ⅓ of buyer’s agents found staged homes had an increase offered dollar value of 1% to 5%

Sellers’ Agent Perspective

  • 29% of sellers’ agents saw a 1% to 5% increase in the dollar value offered by buyers for staged homes

  • 21% of sellers' agents saw an even greater increase of dollar value at home 6% to 10%

  • 39% of sellers’ agents found staged homes has less days on the market (DOM)

 

These numbers highlight that the greatest benefits of staging your home are an increase in offered dollar value for your home, increased competition amongst buyers, and less DOM. Home staging truly is a win-win!

 

Is Home Staging a Good Investment for your North Iowa Home?

What are some Key Tips for Home Staging?

While far from being an exhaustive list, here are some simple steps you can take to stage your home to sell. Start with paint! Adding a fresh coat of paint throughout the home gives it an instant face lift. Choose a light, neutral color that will appeal to a broad array of people and make the rooms in your home look larger. The next step is to do a deep cleaning. Make sure that dirt has been removed from every nook and cranny and everything is looking shiny and new. Complete any lingering home maintenance projects that you have been putting off. Now, you need to go through your home and declutter and depersonalize. It is imperative that homebuyers can visualize themselves in the space. This can be difficult to do if there are a lot of your personal items and memorabilia throughout. Create clean, open spaces by removing all unnecessary items from counter and table tops. At the same time, pare down the amount of furniture to only those pieces that help showcase the size of the living space. Put furniture in areas that help highlight the flow of your home or accentuate architectural features. Your final step is to make the space homey. Place flowers and candles in rooms throughout the house to create a cozy, inviting atmosphere during showings. The most important rooms to stage, as found in the NAR 2017 Profile of Home Staging, were the kitchen, living room, dining room, and master bedroom.

 

What Should I Do if I am Interested in Staging My Home to Sell?

 

Still have staging questions? That is where we come in! Call our experienced team at Jane Fischer and Associates Team  to answer any questions you have. We are more than happy to come look at your home and give you some helpful staging advice before listing your property. We can also put you in contact with the professional stagers in the area that we trust to get the job done right. We are looking forward to hearing from you today!


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

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