Buying in Cedar Rapids · Marion · Hiawatha · Ely

Set your budget before you tour.

Before you tour anything, we'll estimate your budget, your monthly payment and the cash you'd need to close. That's where every buyer starts with me.

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What it costs

Every line, estimated early.

These are the costs every buyer runs into. On a buyer call you get your own figure next to each one, based on your price range and loan.

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CostWhat it isWhen you pay

Down paymentYour share of the price. The loan covers the rest.At closing

Earnest moneyA deposit that shows the seller you're serious. It counts toward your down payment.When your offer is accepted

InspectionA licensed inspector checks the house top to bottom.During the inspection period

AppraisalThe lender's check that the house is worth the price.Before closing

Closing costsLender fees, title, recording, and prepaid taxes and insurance.At closing

Monthly paymentPrincipal and interest, plus property taxes and homeowners insurance.Every month

Mortgage insuranceUsually added when you put down less than 20%.Monthly, until removed

Estimates are for planning. Final figures come from your lender, title company and closing documents, and depend on the providers you choose.

How it works

Five steps. Fewer surprises at the table.

Buyer call

We talk through timing, savings and what you want in a house.

You getA starting budget

Lender and numbers

I introduce a local lender. We turn pre-approval into a monthly figure.

You getYour estimated monthly payment

Tour and offer

We tour what fits. Each offer comes with what it means for your cash.

You getEstimated cash to close for each offer

Inspection

Findings come back with a repair range and your options for each.

You getA cost range on every issue

You review the final numbers with me before closing day, including anything that changed.

You getThe keys

Run your own numbers

CalculatorMonthly payment

Price, down payment and loan type in, a full monthly payment and cash to close out.

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Every listing in Cedar Rapids, Marion, Hiawatha and Ely.

Search → Recent salesWhat things sold for

See what homes like the ones you're looking at actually closed at.

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Questions

What buyers ask me most.

How much do I need for a down payment?

Often less than people expect. Some conventional loans start at 3% down and FHA at 3.5%. I'll connect you with a local lender so you get your actual number.

Do buyers pay you?

We settle it in writing on the first call. Often the seller covers the buyer's agent fee. When they don't, you'll see it in writing before you make an offer.

Should I get pre-approved before we talk?

No. Book the call first. I'll introduce you to a local lender and we'll turn the pre-approval into a monthly payment you're comfortable with.

What if the inspection finds something?

Each finding comes back with a repair range. Then we decide together: ask for a repair, ask for a credit, or walk away.

Which areas do you cover?

Cedar Rapids, Marion, Hiawatha, Ely, Robins, Palo, Fairfax, Lisbon, Mount Vernon and North Liberty. Looking just outside those? Ask, and I'll tell you straight whether I'm the right fit.

What if I'm not ready yet?

Book anyway. Six months out is a good time to learn the numbers, and I'll tell you what to do between now and then.

Get your numbers first.

You'll leave with a budget, an estimated monthly payment and a lender introduction. Free, and nothing to sign.

Book A Buyer Call Call (319) 304-5195