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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/.

 

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/.

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!

 

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!

4th of July Extravaganza in Beautiful Clear Lake!

by Jane Fischer and Associates

Celebrate our nation's freedom in beautiful Clear Lake IA for the ultimate Independence Day celebration! Enjoy 6 days of festivities during Clear Lake's 4th of July Extravaganza!!!! From Friday, June 29th, through Wednesday, July 4th, downtown Clear Lake will be filled with family fun activities and events! Check out amusement rides, bingo tent, midway, open-air vendor market, live music in the bandshell (North Lake View Drive), and so much more! The extravaganza will culminate in an Independence Day parade down Main Avenue and North Iowa’s most spectacular firework display over the lake!! Celebrate our nation's birthday and all of the freedoms that we enjoy at this incredible 4th of July event!

 

SCHEDULE OF EVENTS

Friday, June 29th

  • 5:00 pm - 9:00 pm | Arts & Craft Fair 
  • 5:00 pm | Evans United Shows Carnival opens
  • 7:00 pm | GRIN (Classic Rock)

Saturday, June 30th

  • 10:00 am - 9:00 pm | Arts & Craft Fair 
  • 12:00 pm | Evans United Shows Carnival opens (Wrist Band Day ​12:00 pm - 5:00 pm for $17)
  • 12:00 pm | BINGO tent opens
  • 7:00 pm | Arch Allies (Tribute Band)

Sunday, July 1st: Family Fun Day

  • 11:00 am - 5:00 pm | Arts & Craft Fair 
  • 12:00 pm | Evans United Shows Carnival opens
  • 12:00 pm | BINGO tent opens
  • 1:00 pm | Family Feud Game Show 
  • 3:00 pm | Family Fun Time Games 
  • 7:00 pm | Strait Run (Classic Rock)

Monday, July 2nd

  • 10:00 am - 9:00 pm | Arts & Craft Fair 
  • 12:00 pm | Evans United Shows Carnival opens (Wrist Band Day ​12:00 pm - 5:00 pm for $17)
  • 12:00 pm | BINGO tent opens
  • 7:00 pm | Nick Hickman (Country)

Tuesday, July 3rd

  • 10:00 am - 9:00 pm | Arts & Craft Fair 
  • 12:00 pm | Evans United Shows Carnival opens
  • 12:00 pm | BINGO tent opens
  • 7:00 pm | The Hepperly Band (Cover Band)

Wednesday, July 4th

  • 10:00 am | Parade
  • 11:00 am - 9:00 pm | Arts & Craft Fair 
  • 12:00 pm | Evans United Shows Carnival opens
  • 12:00 pm | BINGO tent opens
  • ​1:30 pm - 3:30 pm | Denny's School of Dance
  • 8:30 pm - 10:00 pm | Clear Lake Municipal Band
  • 10:00 pm | ​Fireworks (Musical Tribute on 106.1FM, AM1490, & AM1300)

 

Jane Fischer and Associates Team wishes everyone in Clear Lake a very Happy & Safe 4th of July!  

 

Image Credit: Clear Lake Area Chamber of Commerce


 

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!

Clear Lake: Iowa's Charming Beach Town!

by Jane Fischer and Associates

There is no better place to beat the summer heat than the beach! Think that living in Iowa means that a beach is out of your reach? Guess again!! The beautiful North Iowa community of CLEAR LAKE is the state’s BEST “Beach” Town!


This carefree, laid back lake town is home to around 7,000 people. Despite its small size, it is filled with so much to do on and around the beautiful beaches and crystal blue waters of Clear Lake! You will find charm and nostalgia in abundance in this close knit, active community.


--Take a stroll down Main Street to find unique gift shops, antique stores, and entertainment venues.

--Head to City Park (Main Avenue) for a paddlewheel cruise, delicious sweet corn, and live music by the municipal band on the weekends.

--Explore the great outdoors and go fishing at McIntosh Woods State Park (1200 East Lake Street, Ventura).

--Lounge on the beach and splash around at Clear Lake State Park (2730 South Lakeview Drive).

--Grab a delicious bite to eat with incredible views of the lake at one of the great local dining spots, such as The Anchor Inn (468 North Shore Drive) or The Landing Patio Bar & Grill (1603 South Shore Drive).

--Dance the night away to live music at the historic Surf Ballroom (460 North Shore Drive).

--Enjoy family fun community events that occur throughout the year, including Thursdays On Main and Lakeside DixieFest. These events often have no admission cost and provide residents with the opportunity to celebrate their community and spend time with family, friends, and neighbors.


Don’t just visit Clear Lake! Make it your home! Whether you are looking for your permanent residence or a great second home for your family, there are so many options in Clear Lake. Check out the incredible Homes for Sale Clear Lake IA where you can find stunning lakefront homes and more! Give the Jane Fischer and Associates Team a call today or visit our website at http://www.janefischer.com/.  



Content and Image Credit: Only In Your State

Great Community Events in North Iowa this Weekend!

by Jane Fischer and Associates

Residents in North Iowa no that summertime is full of fun activities for the whole family! Enjoy the warm, summer weather with your friends and neighbors at incredible community events throughout our area. Be sure to check out these fantastic events occurring this Saturday to fill your weekend with summer fun!


The NITC Pie Ride

“Because every bike ride is better with pie!” Join the North Iowa Touring Club at City Park (Main Avenue) for this fun annual ride. Choose between a casual 14 mile ride (starting at 9:30 am) around the lake or a more rigorous 62 mile ride (starting at 8:00 am). All participants receive a $20 gift certificate for Wayne’s Ski & Cycle, DeFeet bicycle socks, and delicious spaghetti lunch with (of course) pie! All funds for this event help NITC promote outdoor recreational activities and bike safety throughout our area.

Registration Information

  • 14 Mile Ride - $25 per Individual | $35 per Family
  • 62 Mile Ride - $25 per Individual | $35 per Family
  • Register in advance HERE or at City Park on the day of the ride.

River City Street Rods Custom Car Show

Do not miss the River City Street Rods annual car show (8:00 am to 4:00 pm) to see some of the most amazing custom cars you have ever seen! The North Iowa Events Center (3700 4th Street Southwest) will be filled with vehicles dating from 1959 until today. Over 100 trophies will be handed out, including for speciality awards such as Best in Show, Best Engine, and Best Custom Paint. The cost to enter the show is $10. Along with the cars, enjoy food from Black Dog BBQ, a beer garden, craft vendors, and more.


Take-A-Kid Fishing Tournament

Share your love of fishing with your kids! Head to McIntosh State Park (1200 East Lake Street) for the Clear Lake Fishing Club’s family fun fishing event. Fish with your team from the shoreline or out on the lake. Teams can include one adult and up to two children (ages 16 and under). All participants will receive food and a fishing related prize! This tournament is more about fun than competition, though any fish caught is eligible for a weigh in. There will also be great information for kids to learn about the types of fish in the lake and basic fishing techniques during the special DNR seminar (8:30 am). The competition begins at 10:00 am.



Jane Fischer & Associates wishes everyone a fun filled weekend in North Iowa!

 

 

Image Credit: Clear Lake Fishing Club


Celebrate Mom in Clear Lake Iowa!

by Jane Fischer and Associates

This weekend is the time to celebrate the most important woman in your life....your mom! Mother's Day is this Sunday, May 13th! Your mom does so much for you and your family that it is time to show her how much you appreciate it! Not sure what to do this weekend? Treat mom to a special weekend in Clear Lake! No matter what she loves to do, you will find the perfect way to celebrate in this beautiful and charming North Iowa community! Here are our recommendations for ways to celebrate Mother's Day this weekend in Clear Lake!


Give mom a break from cooking and treat her to a delicious brunch or dinner at one of the many amazing, locally owned Restaurants in Clear Lake.


Take mom on a shopping spree along Main Street, where there are numerous unique Boutiques filled with gifts she will surely love.


Spend the day exploring local art and history at Clear Lake's many Arts & Cultural Institutions.


Enjoy the beautiful spring weather on relaxing Clear Lake or play and picnic at one of the fun city Parks.


 

If you are looking for an extra special event for your mom, check out the Mother's Day Chocolate

& Wine Pairing at K & B Emporium (8 North 4th Street). This great event will be held on both Friday, May 11th, and Saturday, May 12th, from 6:00 pm to 9:00 pm.

 

Everyone is welcome! There will be 40 seats available on each day and are available at a first-come, first serve basis. The cost is $20 per person. Call (641) 357-4047

for more information!

 


Happy Mother’s Day to all from Jane Fischer & Associates!

Displaying blog entries 1-10 of 31

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

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