SREG051624

2 bed, 2 bath, $200,000

Buyer Specialist & Listing Specialist

712-253-6287 | TimJohnston@kw.com www.TimJohnston.KWRealty.com | Licensed in IA, SD, & NE

Contact Tim for a FREE Market Analysis of your home, you may be very surprised at what your home is currently worth!

37 ACRES NEAR STONE STATE PARK

2930 & 3100 MEMORIAL DR., SIOUX CITY, IA

4 BED | 3 BATH | $897,500

Discover the lifestyle you’ve been dreaming of with this extraordinary property, offering 37 picturesque acres on Sioux City’s Northwest side, 1 minute away from Stone State Park. Comprising two separate parcels, this remarkable estate includes a spacious 4-bedroom, 3-bathroom home, a 4-stall garage, and a 7-stall horse barn. With breathtaking views and endless possibilities, this property is a rare gem in today’s market. The elegant 4-bedroom, 3-bathroom home provides spacious and comfortable living spaces for you and your loved ones. As you enter the large foyer the layout creates a welcoming atmosphere. A 4-stall garage offers ample space for vehicles and storage, while the 7-stall horse barn is perfect for equestrian enthusiasts, providing all the facilities needed for horse care and training. Explore the vast 37-acre property, featuring rolling hills, lush trees, and abundant wildlife,

Two bedrooms, 2 baths, newly refinished hardwood floors, partially finished basement, oversized 2-car garage. Bob

Three bedrooms, 3 baths, 2-car attached garage and single detached. All sitting on 2.71 acres.

$195,950

$149,000

Freshly renovated 3 bedroom, 1 bath, 2 story home. Unfinished partial basement, large level lot with room for garage.

Three bedrooms, 1 3/4 baths, newer roof and paint, updated flooring, corner lot, single-detached garage.

Two bedrooms, 1 bath, new carpet and fresh paint throughout, new roof and water heater.

0.20 acre lot located in a quiet neighborhood at the North end of Leeds.

ACREAGE

31449 University Rd., Vermillion, SD

4 BED • 3 BATH • $649,900

Look no further for your dream acreage!! Tons of possibilities with this beautiful home on just over 8 acres. Walk in the front door through a screened in front porch to a large living room with vaulted ceilings, carpet and tons of natural light. The kitchen was remodeled in 2012 with all new cabinets that include two large pantry cabinets, ample prep space and a desk. The island has enough seating for 5 and overlooks the open concept between the living, dining and kitchen. An additional 31.92 acres of pasture and CRP are also available to purchase.

From

#1 MORTGAGE LENDER IN S SIOUXLAND

Laurie Beardsley

AVP, Mortgage Loan Officer

NMLS #441062

lbeardsley@mycentral.bank (605)540-4107

Dianna Koontz

VP, Mortgage Loan Officer

NMLS #493728

dkoontz@mycentral.bank (712)203-2121

Chris Krueger

VP II, Managing Mortgage Loan Officer

NMLS #728693

ckrueger@mycentral.bank (712) 293-2265

Jared

Noteboom

Mortgage Loan Officer

NMLS #1207705

jnoteboom@mycentral.bank (712) 226-2265

Angie Van Otterloo

VP, Mortgage Loan Officer

NMLS #402073

avanotterloo@mycentral.bank (712)226-5363

3

3

4

301 Fieldstone Ct. Jefferson, SD

$435,950

4 bedroom | 3 bath

Large 3-stall heated garage 1.4-acre cul-de-sac lot

$4,000 buyer credit with acceptable offer!!

Easy Living

814 Crooked Tree Ln. Dakota Dunes, SD

$630,000

3 bedroom | 2.5 bath Huge closets

Heated covered patio 2+ stall garage|2,933 sq. ft. Willows HOA

New View

487 Bay Hill Cir. Dakota Dunes, SD

$999,900

4 bedroom | 4 bath

3-stall garage|3,586 sq. ft. Quick possession!

Heated garage with drains and concrete storm shelter

GET YOUR DREAMS BLOOMING THIS SPRING!

Now is the perfect time to spring clean your finances! A home equity loan from Availa Bank can breathe new life into your budget. Whether it’s for home improvements, a new car or even that bucket list trip, Terry Mulder can help you spring into smart spending.

Contact mortgage lender Terry Mulder from the Sioux City branch today – and watch your dreams take root!

How to Get Pre-Approved for a Mortgage

(And Why You Should)

Courtesy

of Article City

APRIL MAHR

NMLS ID #709687 2700 Hamilton Blvd. Sioux City, IA 51104 712-224-4777

TOMMY CONGER

NMLS ID #2305705 37 1st Ave. NW Le Mars, IA 51031 712-546-4175

MICHAELA MCFARLAND

NMLS ID #2514956 5680 Sunnbrook Dr. Sioux City, IA 712-224-5400

The homebuying process is an exciting time for individuals and families who are stepping into the next chapter of their lives. It also, however, requires a lot of paperwork and technical knowledge most homebuyers don’t have. Your REALTOR® will be an invaluable resource in guiding you through this process, but there are also steps you can take before you look at houses to make it easier. One option you have is to get pre-approved for a mortgage. This will help you confidently put in offers and hasten the closing process.

What Is Mortgage Pre-Approval?

Pre-approval means a lender is ready to give you money once you are ready to buy a home.

In this case, you don’t know what home you intend to buy yet, but you do know that you will buy one in the near future. Your lender will look at your current financial situation, credit score and credit history, and then provide an amount for how much they are willing to give. A pre-approval can last up to 120 days, giving you enough time to engage with your real estate agent to find and buy a house.

The main benefit of pre-approval is knowing that you will have a financial partner once you decide to buy a house. This way, you won’t lose your dream home because you couldn’t get financing.

Getting pre-approved for a mortgage can also help you budget before you start looking for a home. You can learn how much house you can afford to stay in an ideal range.

This value of peace of mind alone often makes the pre-approval process worth it!

How Do You Get Pre-Approved for a Mortgage?

Pre-approval starts with a meeting with your mortgage lender You will want to come prepared for this meeting and have your financial documents in order already, otherwise, it could delay the approval process.

As a general rule of thumb, there are five things you need in order to get pre-approved:

• Proof of income: You will need W-2 statements from the past two years, recent pay stubs and other documents that prove your income like past tax returns.

• Proof of assets: These include bank statements and other investment statements that prove you have enough cash on hand to cover the cost of a down payment, closing costs and other home buying expenses.

• Good credit: Most lenders expect you to have a credit score of 620 or above to buy a home.

• Employment verification: This goes along with your pay stubs. Your lender will likely call your employer and previous employer to verify that you work there (or did work there) to confirm that the documents are accurate.

• Miscellaneous documentation: You may need additional documents if you are self-employed or need a specific type of loan.

Your mortgage lender may give you a checklist of items that you need before you meet with them for pre-approval.

While the actual approval process doesn’t take long, you may need to spend some time pulling together information like your pay stubs and tax information. If your mortgage lender provides guidelines for getting pre-approved (like credit score limits), you can see how likely you are to get pre-approved just by reviewing your own documents before you submit them.

How Long Does It Take to Get Pre-Approved?

Pre-approvals actually don’t take that long, which is good news if you are in a hurry to buy a house. Most people can get pre-approved within 24 hours of contacting their lender if all of their documents are in order.

Navigating the Homebuying Process with Primebank

When it’s time to choose financing for your dream home, Primebank offers versatile solutions to help provide loans customized for you. We’ll create a loan to meet your needs with credit decisions made locally and personal service from start to finish.

Experience for yourself the difference our experts make when it comes to your home loan. To see how easy the home loan process can be, visit the experts at Primebank.

Patti Robinson

3 bed | 1 bath | $275,000

Welcome to your private oasis nestled at 2263 210th St, Lawton, IA. This picturesque acreage offers a perfect blend of tranquility and rural charm. Situated on 4.51 acres, this property presents a rare opportunity to embrace the serene countryside lifestyle while being just a short drive away from city conveniences.

397 Pinehurst Trl. Dakota Dunes, SD 4 bed I 3 bath I $549,000

This meticulously crafted, open-concept gem boasts the perfect blend of modern elegance and comfortable living. Nestled in a sought-after neighborhood, this one-owner home, built in 2013, offers a harmonious balance of space, functionality, and style.

243 La Costa Ln.

Dakota Dunes, SD 2 bed I 2 bath I $415,000

Fantastic townhouse in the Country Club. Dream of no outside maintenance such as lawn care, irrigation, snow removal, exterior insurance, plus garbage pickup. Triple-car garage, large master suite with walk-in closet, master bath. Don’t miss this well-cared-for condo!

1052 Pebble Beach Dr. Dakota Dunes, SD

6 bed I 5 bath I $1,300,000

Welcome to 1052 Pebble Beach Drive, a majestic haven situated along the serene banks of the Missouri River in Dakota Dunes, SD. Offering an exquisite blend of elegance and comfort, this custom-built 2-story home is an oasis of luxury. Step inside and be greeted by stunning panoramic views from every window, framing breathtaking sunrises and sunsets that paint the sky.

What can we say about Liz Deurloo?

For starters, she can sell ice to eskimos! She assisted me in selling two of my homes, knowing exactly how to price them to get a fair price and a quick sale while finding me a new home that fit my budget. We weren’t even in the market for the home we bought last February, but when she found out it was going on the market, she contacted us immediately, knowing that THIS house would be our dream home! If you’re looking to buy or sell, Liz is your REALTOR®!

- Charlie and Julie Shanafelt

“Liz helped us buy a home for our elderly father. Our needs were very specific, and the transaction was complicated on top of a tight, unpredictable market. The sale involved a family trust and multiple parties across the U.S. to manage. We were working during late hours all seven days of the week. Liz was always professional and willing to go anywhere at any time to help us close the sale. She was an advocate on multiple fronts and we couldn’t be happier with the outcome. I’d highly recommend Liz!

- Scott Nelson

YOUR SIOUXLAND

REAL ESTATE EXPERTS

Voted Best Real Estate Company 5 Years In A Row.

Rick Arnold 712-251-8877

Peggy Christensen Only Referrals Network

Juan Garcia 712-560-5177

Joe Krage

712-251-4030

Jeff Nelson

712-490-4130

Aimee Robisky 319-404-9469

Chris Zant

712-253-4694

Hank Baker 712-490-6621

Judy Clayton 712-251-6271

Dixie Gors 712-490-7939

Thomas Marx 712-522-9030

Daniel Nguyen 712-212-1134

Adam Stokes 712-204-1414

Claudia Zapata 712-281-2644

Keri Boneschans 712-898-8829

Steph Dattolico 712-898-8091

Lisa Guerra 402-508-6549

Linda Mathison 712-253-2557

Bob Patton 712-490-8734

Burnett Team 712-251-0829

Paula Brown 712-223-1016 Liz Deurloo 712-490-5141

Diego Hernandez 712-449-5959

Kevin McManamy 712-253-0654

Dave Pepin 712-635-5945

Nick Tramp 402-660-4686

Jacquelyn Brummond 712-717-2136

Edward Finck 201-320-2627

Eric Hoak 712-251-4886

Sydney McManamy Referral Agent

712-898-1606

Samantha Tuton 712-202-3514

Nicole Card 712-226-6000

Sheryl Ford 712-212-4576

Audrey Hoekstra 712-259-6602

Scott Miller 712-251-2121

Rachel Raak 712-454-4227

Cyndi Unger 712-251-4562

Lexi Chang 402-404-0225

Jerry Frye 712-551-6701

Barb Kimmel 712-251-4053

Jesse Mills 712-635-6316

Patti

Robinson 712-301-9355

Mike Wojcik 712-251-1798

Sonia Locke NMLS# 1170815

Janelle Noreen NMLS# 420242

Julie Schmidt NMLS# 420240

SUNDAY, MAY 19

SUNDAY

1:30 - 2:30

You make me feel Brand New! This 2 bedroom, 2 bath, 2 car garage home has the perfect open concept floor plan accented with a dramatic vaulted ceiling, quality finishes and a neutral color palette throughout. OPEN HOUSES

201 Prairie Bluff Dr. Sergeant Bluff, IA

$355,000 | 2 bed | 2 bath

Our house, is a very, very fine house. Welcome to 201 Prairie Bluff Drive in the Baker Prairie Bluff Condominium Community in friendly Sergeant Bluff, Iowa just minutes from Sioux City. This 2-bedroom, 2-bath condo is efficient and spacious with lots of natural lighting and warm neutral colors throughout.

203 Prairie Bluff Dr. Sergeant Bluff, IA

$349,500 | 2 bed | 2 bath

Incredible opportunity to create equity with this affordable home with numerous possibilities for customization! This house has vast potential and is ready to transform into a wonderful home or a profitable investment! The house interior has been freshly painted, kitchen cabinets have been sanded and stained meticulously with new updated hardware installed.