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Welcome! Here You Can Find Great Information on Cedar Falls, Waterloo and Waverly, Iowa Real Estate

Looking for homes? Search everything the web has to offer, right here! Don't miss my Feature Homes.

Need local real estate information? I've summarized much of what is important about the Cedar Falls, Waterloo and Wavery real estate market in this site.

Need expert advice? No web site, large or small, can take the place of a top real estate agent. Not even mine! This site is filled with ways that you can contact me for one-on-one expert help and advice. That's my job.

Contact me with confidence! I guarantee your privacy will be respected. And I offer the services on this site for free and without obligation. Why? I want to be YOUR real estate agent. As your trusted, professional real estate partner, I will help you find the best home in your area within your price range. And together we will sell your home, for as much as the market will bear, and as quickly as possible.

Buying and selling a home is one of the biggest events in your life. As a top Cedar Falls, Waterloo and Wavery real estate agent, I have the experience and track record you are looking for. Please let me help.

- Gale Shinkle
ABR, GRI, CRS, ABR
Broker/Owner

Financing Your Home >Lenders Want to Say Yes

If you wish to buy a home but consider yourself incapable of getting credit, you may be living in the past in terms of assessing your financial situation. Lenders have become more flexible in underwriting mortgage loans.

A recent survey of mortgage lenders revealed some interesting trends. Ninety-six percent of those surveyed had cut their standard down payment requirements for moderate-income buyers, and 93% said they are more lenient regarding debt-to-income-ratios. Ninety-four percent of those surveyed said they now have more flexible approaches to credit histories, and look at rent and utility payments more than credit cards. Seventy-nine percent of lenders say they have relaxed employment criteria. They now look more at your capacity to generate a stable flow of income rather than requiring a long history at one job.

There are more lenders today, and they are in fierce competition with each other. The home loan industry has created entire markets that cater to those with less-than-perfect credit.

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Q	What famous American sign was originally erected as a real estate ad?
A	The Hollywood sign, built in 1923, was conceived as a real estate ad that originally read, "Hollywoodland."
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Gale Shinkle, REALTOR®, real estate agent and broker for Cedar Falls, Waterloo and Waverly, Iowa home listings, property and land for sale - NUMBER1EXPERT

Gale Shinkle
Trapp Realtors
3321 Cedar Heights Drive
Cedar Falls, IA 50613
Cell Phone: 319-230-3990
Office Phone: 319-277-2121 ext. 207
Toll Free Number: 877-292-2121 ext. 207
Fax: 319-277-2127
galeshinkle@NUMBER1EXPERT.com
GaleShinkle@cfu.net

Helping individuals and families both sell so they can more on to bigger and better things and buy so they can have the all America dream of owing their very own home. After all, I believe that taking care of business means taking care of you!

CRB CRS GRI REALTOR MLS Equal Housing

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