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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/.


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

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!

 

2018 North Iowa Fair this Weekend!

by Jane Fischer and Associates

No one does a county fair like North Iowa! Enjoy a weekend of family fun at the 2018 North Iowa Fair!!!! Head on down to the North Iowa Events Center (3700 4th Street Southwest, Mason City) this Thursday, July 19th, through Sunday, July 22nd, for the ultimate celebration of living in North Iowa. Get your adrenaline pumping on the carnival rides and inflatables. Win fun prizes at the games along the midway. Dine on delicious fair food. Dance away to incredible live music. Check out action packed shows, including the BMX Stunt Show, Demo Derby, and "Extreme Raptors" Show. Say hello to the farm animals and explore the exhibits by local farmers, vendors, and businesses. "Rise & Shine!" above the fair during the 3rd Annual Hot Air Balloon Rally. Discover amazing local talent during the Bill Riley Talent Search. And, SO MUCH MORE! There is truly something for everyone at this year's fair!

 

 

Check out the Complete Fair Schedule to plan your trip to the 2018 North Iowa Fair!

Small Stage Music Festival

Listen to live music by the very best local and regional performers during this annual music festival, held at the Marion E. Olson Building. Tickets are required for the Thursday evening concert. They cost $15 and can be purchased in advance HERE. Friday and Saturday evening concerts are FREE!

Official Lineup

-Thursday, July 19th

8:30 pm | Betty and the Gents

9:30 pm | LIT

-Friday, July 20th

6:30 pm | Hawk McIntyre

8:00 pm | The Hepperly Band

-Saturday, July 21st

7:00 pm | William Elliott Whitmore  

9:30 pm | The Jesse Allen Band

 

Jane Fischer & Associates Team cannot wait to see you all at the Fair in beautiful Mason City!  

 

Image Credit: North Iowa Events Center

 

Factors to Consider When Buying A Home For Kids

by Jane Fischer and Associates

In today’s blog post, we are going to discuss factors to consider if you are a home buyer with children. There are several major factors that parents consider as they look for a new home: number of bedrooms, yard to play in, local school district, safety of area. These are all incredibily important. But, there are other factors that often get overlooked and can have a serious effect on the livability of the home for everyone in your family. Here are the additional factors you should consider as you look for your dream family home in Mason City IA!


Open Floor Plan

Basements and bonus rooms are important to have so kids can have their own areas to play, especially as they get older. When they are younger, however, it is important that you can supervise them at all times. This is where an open floor plan comes in handy. When the kitchen, dining area, and family room are all connected, you can keep a watchful eye on your children while still being productive. Plus, even after the kids are older, this is still a great area for the family to gather together throughout the day.


Bedroom Placement

Although the number of bedrooms is important to ensure your family has enough personal space, it is equally important to consider where those bedrooms are placed. If the home has multiple stories, it is possible that the master bedroom is located on the first floor while the rest of the bedrooms are upstairs. As a parent, you need to decide whether you will enjoy the privacy of having a room on a separate floor or whether you want to be close to your children at night and have all the bedrooms together.


Potential Burns

Kids like to touch things and a home can be filled with lots of hot items that are easy to forget about. In particular, you should consider how the home is heated. Older homes will likely have radiators which are incredibly hot and will cause serious burns. It might be best to only look at homes with central heating if your children are small to eliminate this risk. Gas fireplaces are great but the glass doors on them become dangerous when a fire is going. Make sure you monitor your children during and after a fire and put some sort of protection over the fireplace's on switch so the kids cannot accidentally turn it on when you aren't around.


View of the Backyard

Make sure that the interior of your home provides easy sightlines to the backyard. You will receive piece of mind by being able to watch your children play outside while you get some chores done inside.


Flat Yard

Steep hills can add some visual interest to your landscaping but they make it difficult, and potentially dangerous, for children to play. Find a lot that is flat so all of your children's favorite activities will be fun and easy.


Know the Neighbors

Try to find out who the neighbors are and make sure there are not any dangerous individuals living within the area.


Sidewalks

Parents often consider how busy a street is when making housing decisions. But, even on a quiet street, sidewalks add an extra element of safety by removing the children at play even farther away from the road. Plus, it is more inviting for family walks around the neighborhood.


Nearby Amenities

Parents know how difficult it can be to pack everyone and everything into the car everytime you need to go some where. This is why it is great for home buyers with kids to find neighborhoods that have amenities within walking distance. See what schools, parks, restaurants, stores, and other amenities could be easily walked to from the home.



We hope this blog gave you a some helpful information what to factors to consider as a home buying parent! If you are ready to Buy your dream family home in North Iowa, search our Homes for Sale. Work with the Top Realtor Mason City by giving us a call today at 641-425-4900 or visiting our website at http://www.janefischer.com/.


It's the Clear Lake Bicycle, Blues and BBQ Festival!

by Jane Fischer and Associates

Are you ready?  It's time for the great Clear Lake Bicycle, Blues and BBQ festival!

Date:  July 6-8, 2018

Where:  City Park, Downtown Clear Lake and other locations throughout the area.

Time:  Starts 5:00 pm Friday night

The proceeds from this event support improving a healthy lifestyle through bike related activities that include;  creating and improving bike trails, bicycle safety training and cycling events and activities.

There will be superb food, fantastic blues music, and a USCF sanctioned road race on Sunday!  You won't want to miss this wonderful summer event.

Click here for the schedule of events:  Events

The great blues sounds will come from the following groups:  Brother Sun Sister Moon, Left Wing Bourbon, Brandon Santini, and Jimmy Nick.

July 7th will be the terrific Brews on the Beach on the shores of Clear Lake!  Space is limited so get your tickets now

 


Make it a great holiday weekend with these fantastic local events!  See you there!

Great Summertime Home Improvement Projects

by Jane Fischer and Associates

In today’s blog post, we are going to discuss 7 home improvements you should make this summer. Summer just officially began. This gives you ample opportunities to take advantage of the beautiful weather and make some great updates and improvements to your Mason City IA home that will allow you to get the most out of your summer and increase the value of your home! Here are 7 prime home improvement projects to complete this summer.

1. Start a Vegetable Garden

Fall produce is delicious! Continue to put healthy, fresh food on your kitchen table by starting a garden with plants that thrive in cooler weather. We recommend beets, cabbage, carrots, and kale.


2. Update Your Landscaping

Landscaping helps increase your home's value. Now is the perfect time to spruce up your yard so that it is looking its very best this fall and far into next year. You can choose to work on your landscaping yourself or hire a landscaping consultant or architect. Some landscaping centers offer free consultations, which is a great option if you need help coming up with initial ideas or knowing what would best accentuate your home's features. It can be easy to spruce up your landscaping on a budget. One great way to save some money? Mason City offers Free Mulch to residents!


3. Renovate Your Deck

Your wood deck requires yearly maintenance. Water and cold weather can lead to rot and cracking in the boards. Inspect the deck yourself or hire a professional inspector if you notice any problem areas. Spend the time and money to renovate your deck as necessary so you can continue to use it on those warmer fall days and to reduce the risk of further damage during the winter.


4. Buy New Patio Furnishings

End of season means great sales! As the weather cools, retailers will be looking to move their outdoor inventory quickly. Take advantage of huge savings on patio furnishings and lawn care equipment now.


5. Get Rid of Your Old Grill

Just like patio furnishings, grills will also be deeply discounted. Buy the grill you've always wanted so you can host those great fall football parties and be ready to barbecue all summer long next year.

6. Add an Outdoor Shower

Whether you want it for relaxation or to wash off after a hard day working outside, a great upgrade to your home can be the installation of an outdoor shower. Consider placement, sizing, materials, and plumbing as you think about adding this fun and convenient outdoor feature.


7. Install a Swimming Pool

We all know the summer months in North Iowa can get hot, hot, hot! Always dreamed of cooling off in your very own pool? The end of summer is the perfect time to install your dream pool. Get ready to have the best summer ever next year by adding a pool now. With soil that is easier to dig in, deals offered by pool builders, and less need to utilize your yard as the weather cools, take advantage of the end of summer by adding this ultimate upgrade.

We hope this blog gave you a some helpful home improvement ideas for the summer. If you are looking for more tips or need help Buying or Selling your North Iowa home, work with the Top Realtor Mason City IA! Give our experienced Team a call today at 641-425-4900 or visit our website at http://www.janefischer.com/.

 

Here We Grow!

by Jane Fischer and Associates

 

Jane Fischer & Associates Team has moved! Come visit us at our new location at 1002 East State Street, Suite B, Mason City!

 

 Our team serves the entire Mason City Iowa real estate market, as well as the surrounding communities of Clear Lake, Rockwell, Rockford, North Springs and Osage areas. Let us help you with all of your real estate needs. Whether you are a Home Buyer or Home Seller, Jane Fischer & Associates is committed to helping you achieve all of your real estate goals! Come see us today!

Rock Your Summer at Friday Night Live!

by Jane Fischer and Associates

It's time to have a rockin' good time in Mason City IA!! Friday Night Live kicks off this Friday, June 15th!

 

Head to beautiful Central Park in downtown Mason City for an evening full of fun. Dine on delicious food and beverages from your favorite North Iowa establishments. Find unique wares at the craft marketplace. Enjoy great family activities, including the MacNider Art Museum Imagination Playground, Inflatable Bounce House and Inflatable Obstacle Course. And, of course, dance the night away to incredible live music! Each of the 4 community events will take place from 6:00 pm to 10:00 pm. Do not miss out on this FREE summer time fun for the whole family to enjoy.


 

Friday Night Live Music Lineup

June 15th | Billy McGuigan

July 13th | Betty & The Gents

August 17th | The Hepperly Band

September 21st | The Chocolate Crackers



Jane Fischer & Associates cannot wait to see you all summer long at Friday Night Live in beautiful Mason City Iowa!

Image Credit: Main Street Mason City

 

Displaying blog entries 11-20 of 60

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

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