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Displaying blog entries 1-10 of 34

What to Know About Contingency Offers

by Jane Fischer and Associates

In today’s blog post we are going to discuss contingency offers. 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.

 

We hope this blog gave you a some helpful insights into contingency offers. However, we realize that you might still have some more 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/.


 

Short Film Premier in Lake Mills!

by Jane Fischer and Associates

Come celebrate and support incredible local talent at the official premier of Kevin Isaacson's short film Oliver Short! Head to The Mills Theater (216 West Main Street, Lake Mills) on Sunday January 14th, as they host this FREE screening! Doors will open at 1:00 pm and the show begins at 1:30 pm. Grab some soda and popcorn and find your seats for this excellent local film.



Oliver Short stars Carly Neel and Frank Boyd. After losing her father last year, sixteen year old Alex does not know how to handle her grief. She acts out by spraying graffiti on her father's gravestone. While doing so, Oliver Short appears. This mysterious gentleman is in need of her help. Alex soon realizes that Oliver and other individuals she has met in the cemetary are spirits. All of the spirits are unsettled due to unfinished business with their still living family members. Alex chooses to help these spirits and is able to properly let go of her own father's death.



Be sure to stick around after the film for a talk back with the filmmakers! This is a great event that you do not want to miss!


 


There is always something fun and unique taking place in North Iowa! Be sure to check out website at http://www.janefischer.com/ throughout the year for other great community events like this one!

 

Photo Credit: I Like Ike Films

Tips For Being A Successful Home Buyer!

by Jane Fischer and Associates

Home Buying in North IowaIn today’s blog post we are going to discuss tips for home buying success. Deciding to buy a new home is an exciting venture. And, there is no better place to buy than in North Iowa! Although January is not considered a hot real estate month, buyers can use the timing to their advantage. Less competition from other buyers and the potential for higher savings from sellers eager to close can help you be in your dream home before you know it. Ensure success during your own buying process! Look through the current Home Listings so we can help you begin your exciting journey, and follow these useful tips for being a successful home buyer!

 

WORK WITH AN EXPERIENCED AGENT.

Ensure buying success by teaming up with an experienced real estate agent. You will eliminate a majority of time and stress that can come with house hunting and buying by having someone else in your corner! Jane Fischer and Associates Team is here to help you every step of the way! We understand the North Iowa housing market, know what is currently available to fit your personal housing needs, and can negotiate the best deal for your new home! Learn more About Us in terms of our years of experience and our commitment to serving you!

 

GET PREAPPROVAL FROM A LENDER.

Let sellers know that you are serious about buying by getting preapproval for a loan from a reputable lender. Having this information ready to present to the seller ensures them that you can afford their home. Learn the important steps of Obtaining a Mortgage. The initial step of preapproval is easy to get out of the way from the very beginning if you have a high credit score and savings.

 

BE DECISIVE.

We understand that buying a home is a major life decision. This can lead to overthinking the process, though. Know exactly what you are looking for from the very start. Prioritize the important factors, such as location, type, and price. Start your house hunting with a clear understanding of exactly what you need in a new home. Once you find a home that meets all of these needs, make an offer! While you should be diligient in your decision making, do not allow over analyzing to get in the way of making an offer. If you wait too long, you risk the chance of losing your dream home!

 

MAKE A STRONG OFFER.

Always begin with a strong opening offer. In your initial planning stages, you should have set a budget for yourself and know the maximum that you are willing to pay for a home. We all always want to get the best deal possible but be respectiful of the needs of the seller as well. If you offer a price that is too low, you could miss out on your dream home. Ask your realtor for advice based on other homes on the market. Determine an opening offer that you care comfortable with and that will be appealing to the seller.

 

PREPARE FOR A BIDDING WAR.

A bidding war between you and the seller is an added stress. However, do not go into the process with the mindset that you want to avoid this process at all cost. It could mean missing out on a great opportunity. Have a clear understanding of what you can afford and search for homes below your max budget. This will allow you more wiggle room should a bidding war ensue. Trust your realtor during the negotiation process as they are there to help you get the home for the best possible price.

 

MISTAKES ARE LEARNING OPPORTUNITIES.

Although we want to make sure you end up in the first home you fall in love with, realize that this might not always work out. If a deal falls through, use it as an opportunity to learn what went wrong with the transaction and avoid it for the next offer. There are so many incredible options in North Iowa that you will find another home to love...perhaps even more so! Just stay true to what you are looking for and let our team help you find it!


We hope this blog gave you a some helpful tips for becoming a succesful home buyer. However, we realize that you might still have some more 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/.


Merry Christmas and Happy New Year from Our Team!

by Jane Fischer and Associates

 

 

The Christmas Season is our favorite time of year! With all of the incredibly festive events taking place throughout Mason City and Clear Lake, it is impossible not to be filled with good cheer and fall even more in love with living in this area. As Christmas quickly approaches, we would to extend a very warm THANK YOU to all of our past and current clients for giving us the opportunity to assist you with all of your North Iowa real estate needs! It has truly been a joy to serve you this year!


We hope your North Iowa home is filled with laughter and love as you celebrate Christmas this weekend!


The new year often brings new goals. If real estate goals are on your 2018 list, our team is here to help you achieve them! Whether you are a Home Buyer or Home Seller, we can assist you every step of the way! Through our years of experience, we love sharing our knowledge of our communities and helping people find their dream home in our area. Work with North Iowa's best real estate team in 2018! Contact us today so we can help you in every way that we can. We look forward to meeting with you!



Jane Fischer & Associates Team Wishes You A Very Merry Christmas and Prosperous New Year!


TubaChristmas and Tom Fetty Krugerrand Auction this Saturday!

by Jane Fischer and Associates

Head to Mason City's Southbridge Mall (100 South Federal Avenue) this Saturday, December 9th, for some festive fun and holiday good cheer!



The day begins with the annual Tom Fetty Krugerrand Auction from 11:00 am to 1:00 pm. All monies raised during the auction are donated to our local Salvation Army. Help support a great cause this holiday season!  


Then, stick around for the 32nd annual North Iowa TubaChristmas concert in the mall’s Center Court at 1:00 pm! TubaChristmas is a live musical performance of everyone’s favorite Christmas carols by local tuba, baritone, euphonium, and sousaphone players. Beginning in 1974 in New York City, TubaChristmas concerts are now held every year throughout the country and around the world. North Iowa is proud to boost one of the largest such concerts in the nation! Enjoy a rousing performance of the greatest Christmas tunes by 100 local musicians!



Are you a musician? Come participate in TubaChristmas! Tuba, baritone, euphonium, and sousaphone players of all ages are welcome. Please head to the Mason City High School band room on Saturday morning at 10:00 am for registration. Cost is $10 per participant. Rehearsal will begin at 10:30 am. Musicians should bring their own instruments, Santa hat, and music stand. Be sure to decorate your instrument for the holiday!



Jane Fischer and Associates Team
wishes everyone a festive holiday season in Mason City and throughout North Iowa!  

 

Image Credit: Jake Rajewsky/Globe Gazette

Winterize Your Home in 7 Easy Steps!

by Jane Fischer and Associates

The cold winter days are finally upon us in North Iowa! Increase your home's energy efficiency, save money on your heating bill, and keep your family nice and cozy all winter long by following these 7 Easy Steps to Winterize Your Home!

 

1. Dodge Drafts! Drafts can waste 5% to 30% of your home's energy use, according to the U.S. Department of Energy (DOE)! Save that energy by placing a draft blocker under your doors.


2. Use A Window Insulation Kit! Head to your local hardware store for some plastic for your windows. This adds an additional buffer against the cold.


3. Add Storm Windows! Skip the plastic and install storm windows that will last you for years to come. Studies show that these windows can save 12% to 33% on your heating costs every year!


4. Caulk Windows & Doors! Air leaks throughout the house waste a lot of energy. Be sure to caulk and seal all your windows and doors properly.


5. Replace Furnace Filters! Dirty filters increase energy use by restricting airflow. Plus, the irritants trapped in it can make your family sick! Your furnace filter should be changed every month during the winter. To save time and money (in the long run), consider using a permanent filter.


6. Monitor Your Heat! Make sure you turn down the thermostat everytime you aren't home to reduce energy waste. Also, save money by turning down your heat a degree or two and wrap up in a warm blanket instead!


7. Lower Your Water Temperature! According to the DOE, you can annually save 4% to 22% by turning down your water heater's temperature! Most water heaters are automatically set to 140ºF. Lower the temperature to 120ºF. Trust us, you won't notice the difference....aside from the money you will be saving!

 

Looking for more homeowner, buyer or seller tips? Visit our website!

 

Like and Follow-us on Facebook for more great tips and new homes to the market.


 

Mason City Ranked One of the Safest Cities in Iowa!

by Jane Fischer and Associates

With fun community events, exciting cultural and entertainment amenities, beautiful recreational facilities, and excellent local schools, MASON CITY is a great place to call home! On top of all of these incredible attributes, Mason City is also SAFE! It was recently ranked the 9th Safest City in Iowa!

 

Home security website SafeHome recently released their list of the safest cities, with a population of at least 60K, in the state. They calculated their rankings based on recent crime data from the FBI as well as from the U.S. Census. When the results came in…..Mason City received an overall Safety Score 78.38!

 


Call this safe community home! Check out our Current Homes for Sale in Mason City! Give the Jane Fischer and Associates Team a call today or visit our website at http://www.janefischer.com/!  

 

Getting Your Home Ready for Thanksgiving Guests!

by Jane Fischer and Associates

Not only will you be filling your bellies with an incredible feast this Thanksgiving but you will also be filling your house with holiday guests! Get your home ready for all your friends and family now so you do not need to stress later this week! Prepare your Mason City house and keep your guests comfortable throughout Thanksgiving by following these simple steps!

1. Let there be light!

You might be able to navigate your house in the dark but your guests cannot! Make sure to provide them with ample lighting during the night so they can safely walk to the areas they need to reach. Add nightlights to hallways, bedrooms, and bathrooms. Make sure that all outdoor lights are working properly.

2. Clear the clutter!

Ensure ample space for your guests by removing any unnecessary clutter. Place these items in closets and storage so they are out of the way. Clear off tables and counter tops.

3. Create a great first impression!

The foyer is the very first impression your guests will have. Make it welcoming! Also ensure it is functional for your guests. Clear out your personal items so guests have an easy spot to place their coats and shoes.

4. Prep your kitchen!

Your kitchen is going to see a lot of action on Thursday. Make sure that you have all the essential items you need easily accessible. Create a comforable spot for guests to hang out in the kitchen and keep you company while you prepare your food!

5. Make it cozy!

Create a relaxing spot for guests to get some rest. Ensure that all guests have ample bedding to stay warm at night. Consider adding a ceiling fan to your guest bedroom so your guests can control their own temperature.

6. Stock your bathroom!

Keep you bathroom fully stocked with toilet paper, toiletries, and towels. Have all these items easily accessible so guests can find them when they need them!


Jane Fischer & Associates wishes everyone a very Happy Thanksgiving!  

 

It's Beginning To Look A Lot Like Christmas!

by Jane Fischer and Associates

Your favorite North Iowa holiday tradition is almost here!  It’s Beginning To Look A Lot Like Christmas opens this weekend!!!!  Head to beautiful Music Man Square to enjoy the holiday spirit with family, friends, and neighbors. Marvel at the spectacular window displays and decor as you as transported back to Christmas in 1912! Celebrate the holiday classic “It’s Beginning to Look A Lot Like Christmas, composed by Mason City native Meredith Wilson. The stunning holiday display is open to the public this Saturday, November 18th, from 1:00 pm to 5:00 pm and will be open daily now through Christmas. Admission is $10 for adults and $5 for children.

 

Celebrate the opening of this grand display at Holiday Premier of It’s Beginning To Look A Lot Like Christmas this Friday, November 17th. From 6:00 pm until 9:00 pm, get access to the festive wonderland in Music Man Square early. Enjoy holiday music, a special presentation of The Nutcracker, delicious samples from Hy-Vee East, a live and silent auction, and so much more. Tickets are $50 per person or $350 for a table of 8. Tickets can be purchased at Hy-Vee East and Music Man Square.

 

Also, be sure to stop by Music Man Square every Sunday in December to have your photo taken with Santa!

 

Jane Fischer & Associates cannot wait to see you all for a jolly good time this holiday season in Music Man Square!

 

Image Credit: Visit Mason City

Reasons to Celebrate All Month Long!

by Jane Fischer and Associates

Thanksgiving might be November's star holiday but there are several other days within the month worth celebrating! This month is all about appreciation, togetherness, and celebration! With national and international holidays, there is plenty to be joyful about in November! Here is one fun and easy way for you to celebrate each of these month's best holidays!

 

 


 

November 11th - Veterans Day

Celebrate by thanking a veteran you know for their bravery and service!

November 13th - World Kindness Day

Celebrate by performing a random act of kindness to a total stranger!

November 16th - World Tolerance Day

Celebrate by learning more about a culture that is different than your own!

November 20th - Universal Children’s Day

Celebrate by taking a child in your life out for a fun activity or healthy, delicious treat!

November 23rd - Thanksgiving

Celebrate by giving thanks for your many blessings this year!

November 25th - Small Business Saturday

Celebrate by supporting your favorite locally owned business!

November 28th - Giving Tuesday

Celebrate by donating your time or money to your favorite charitable cause!

Check out our Blog for fun decorating tips and holiday ideas all season long! Jane Fischer and Associates Team hopes everyone in North Iowa enjoys making these unique holidays a part of yours and your family's traditions!

Displaying blog entries 1-10 of 34

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Contact Information

Jane Fischer & Associates
Real Estate Consultants
119 2nd Street NW #2
Mason City IA 50401
Cell: 641-425-4900
Office: 641-424-HOME (4663)

2018 Jane Fischer & Associates Real Estate Consultants Logo are registered service marks owned by Jane Fischer & Associates Real Estate Consultants. Equal Housing Opportunity.