SREG110923 by Michels Communications Corporation

Jared Noteboom

Chris Krueger NMLS #447201

SIOUXLAND’S MORTGAGE EXPERTS

NMLS #1207705 jnoteboom@mycentral.bank (712) 490-4722

NMLS #728693 ckrueger@mycentral.bank (712) 223-0698

Equal Housing Lender Member FDIC

www.SiouxlandRealEstateGuide.com

guide

NOVEMBER 9 - 15, 2023

New Listing

2834 Sunset Cir., Sioux City, IA $250,000 • 3 BED • 2 BATH

Vanessa LEFLER-LARNED 1114 4th St., Sioux City, IA

712.898.4242

vanessa@c21prolink.com • Licensed in IA

Michels Communications Corporation 5000 S. Minnesota Ave., Ste. 300 PO Box 91606, Sioux Falls, SD 57108

OPEN HOUSES PAGE 17

NEW LISTINGS PAGE 33

For Advertising Information, Please Contact: Hanna Michels Jill Foley Kaylee Langseth 1.605.760.4269 1.712.490.8506 1.712.574.0618 hanna@michelscom.com jill@michelscom.com kaylee@michelscom.com

REALTOR ®

712-574-4757 ShookHandyman.com

Licensed in IA, NE, SD

URDAY 10 - 11 OPEN HOUSE SAT

• REMODELS • BATHROOMS • FLOORING • MORE!

2622 S. MARTHA ST. SIOUX CITY, IA

• KITCHENS • PAINTING • CARPENTRY

3 BED • 2 BATH • $239,900

Vanessa

LEFLER-LARNED 712.898.4242 vanessa@c21prolink.com Licensed in IA

CHECK THESE OUT BEFORE THEY’RE GONE! NEW LISTING/NEW CONSTRUCTION

315 1st Ave. South Sioux City, NE - $99,950 2 bedroom, 1 bathroom Cheri Bracht 712-259-0135 Cardinal City Realty, Inc.

1716 OGDEN CT. SOUTH SIOUX CITY, NE

3820 G ST. SOUTH SIOUX CITY, NE

500 CARDINAL DR. SOUTH SIOUX CITY, NE

$359,000

$240,000

$388,000

3 BED • 2 BATH

2 BED • 2 BATH

3 BED • 3 BATH

3310 Dakota Ave. South Sioux City, NE - $599,000 Cheri Bracht 712-259-0135 Cardinal City Realty, Inc.

3256 14th St. Sioux City, IA - $99,950 2 bedroom, 1 bathroom Cheri Bracht 712-259-0135 Cardinal City Realty, Inc.

CHERIBRACHT (712)259-0134 soldbuycheri@aol.com Licensed in IA, NE & SD

NOVEMBER 9 - 15, 2023

Windows & Doors Sioux Falls - Sioux City - Okoboji

IN-HOME OR SHOWROOM APPOINTMENTS When your heater goes out, time is of the essence. That’s why we provide 24-hour emergency heating system services in the Sioux City area. We return all calls as quickly as we can, and we will offer you a free, no cost estimate for repairs once we have assessed your situation. We are also experienced in repairing all furnace malfunctions:

3 Baseboard Heaters 3 Boilers 3 Central Heating Systems 3 Electric Furnaces

Retail Rep - Chad Boetger 300 Centennial Drive, Suite 100 North Sioux City, SD 57049 Phone: 712.258.4567 www.PellaGateway.com

PROUD TO SERVE ALL OF SIOUXLAND

3812 Floyd Blvd., Sioux City, IA 712-490-7827 | oconnorhvacscia.com

O P EN S U N. 1 - 2

O P EN S U N. 2:3 0 - 3:3 0

PENDING

3205 Jennings St., Sioux City, IA

1823 S. Clinton St., Sioux City, IA

2714 41st St., Sioux City, IA

$175,000

$230,000

$275,000

4 BED • 1.5 BATH FINISHED 3RD FLOOR

2 BED • 2 BATH

4 BED • 2 BATH

Lonnie Hohl LICENSED IN IA, SD and NE

712-259-0136

3 Gas or Oil Furnaces 3 Heat Pumps 3 Thermostats

Lonnie@LonnieHohl.com LonnieHohl.com

WWW.SIOUXLANDREALESTATEGUIDE.COM

Ireton

Le Mars

Merrill

Hawarden

In today’s fast-paced world, it’s far too easy to take the gift of freedom for granted. The Hometown Advantage agents thank you!

Your Home Team Advantage

KYLIE PETTY

LISA MESSELHISER

712-540-9109 kpetty@c21prolink.com Licensed in IA

712-540-3223 lmesselhiser@c21prolink.com Licensed in IA

BRENDA JANSSEN

DUSTIN HOULTON

712-540-1478 bjanssen@c21prolink.com Licensed in IA & NE

712-389-6862 dhoulton@c21prolink.com Licensed in IA & SD

JULIE HURT

Scan for CENTURY21 ProLink Listings Near You!

712-540-7757 jhurt@c21prolink.com Licensed in IA

LISA CROSTON

712-251-5214 lcroston@c21prolink.com Licensed in IA, NE & SD

41 Central Ave. NW Le Mars, IA 51031

WWW.COLDWELLBANKERABR.COM

712-255-7310

$300,000

208 Prairie Ln. Sergeant Bluff, IA

Nicely updated ranch with 3 bedrooms, 2 baths, 2-stall attached garage, private backyard.

NEW LISTING - OPEN HOUSE SUNDAY 12 - 1 BY DANA KRUSE-LENZ

$259,950

4208 Ridge Ave. Sioux City, IA

Three bedrooms, 2 1/2 baths, main floor laundry, partially finished basement, double garage with workshop.

NEW LISTING - OPEN HOUSE SUNDAY 12 - 1:30 BY BOB MCGINNIS SPECTACULAR VIEWS - ACREAGE

6852 Cypress Pt. Sioux City, IA

$1,300,000

Three bedrooms, 5 baths, gourmet kitchen, 32 ft.-flagstone fireplace in living room, inground pool, 4-stall garage.

ACREAGE

1 Bollmeyer Ave. Sioux City, IA

$1,265,000

Five bedrooms, 5 1/2 baths, walkout lower level with family room, kitchenette and 2 bedrooms, 4-car garage. Spectacular views!

ACREAGE

$550,000

2181 Old Hwy 141 Bronson, IA

Three bedrooms, 3 baths, oak cabinets in kitchen, full walkout basement, 5-stall garage. All on 9+ acres.

$549,950

2009 325th St. Sloan, IA

Five bedrooms, 2 baths, original woodwork and hardwood floors, double-attached garage, 72’x60’ Morton building, on 4.38 acres.

Julie Skaff-Gregg Broker ABR, CRS 253-2888 Licensed in IA, NE, & SD

Colleen Baker 251-4878 Licensed in IA, NE, & SD

Bob McGinnis 251-3357 Licensed in IA, NE, & SD

Dana Kruse-Lenz 202-6375 Licensed in IA, NE, & SD

Rochelle Lundy 253-0576 Licensed in IA, NE, & SD

Dustin Kruse 899.7054 Licensed in IA

Mark Hanna 259-9029 Licensed in IA, NE, & SD

PRICE REDUCED

2720 Magnolia Ct. Sioux City, IA

$359,000

Four bedrooms, 3 1/2 baths, finished basement. Total remodel everywhere you look! Double-attached garage.

TOWNHOUSE

177 N. Canterbury Cir. North Sioux City, SD

$324,950

This is a side-by-side duplex; this unit has 2 bedrooms, 2 baths, full basement, main floor laundry, double garage on a cul-de-sac.

TOWNHOUSE

178 N. Canterbury Cir. North Sioux City, SD

$324,950

Two bedrooms, 2 baths, open floor plan, main floor laundry, full basement, double garage on a cul-de-sac.

$199,000

1710 Jones St. Sioux City, IA

Three bedrooms, 2 1/2 baths, main floor laundry, finished basement, double-detached garage.

$170,000

2108 S. Cedar St. Sioux City, IA

Two bedrooms, 1 bath, enclosed front porch, remodeled kitchen, refinished oak hardwood floors, single-car garage.

PENDING 2608 Jennings St. Sioux City, IA

$159,950

Two bedrooms, 1 bath, luxury vinyl flooring, living room/dining room open, unfinished basement, partially-fenced yard.

PENDING

$155,000

1718 Ross St. Sioux City, IA

Three bedrooms, 1 bath, huge dormer with new carpet. Newer windows, hardwood floors, kitchen with butler’s pantry, deck, backyard with firepit for entertaining.

$110,000

1514 Ave. F Hawarden, IA

Two bedrooms, 1 bath, kitchen has oak cabinets, unfinished basement, double-detached garage.

Joe Walker 899-5072 Licensed in IA, NE, & SD

Michele Vander Weide 281-8140 Licensed in IA, NE, & SD

Kathy Gastro ABR, 251-1020 Licensed in IA, NE, & SD

Kylee Hombs 253-9942 Licensed in IA & NE

Katie irwin 899-3346 Licensed in IA & SD

Donna Carlin 253-3432 Licensed in IA & NE

HOME /

AUTO /

TRUCKING

FARM /

CROP

RECREATIONAL VEHICLE /

BUSINESS

MEET THE WOMEN OF EGR INSURANCE

The insurance purchasing process is hardly a walk in the park. At EGR Insurance, we understand that, and we work tirelessly to make it as convenient as possible for our clients.

PAMELA MASCHING ACCOUNT MANAGER Over 31 Years in the Business and Insurance Industry

JANE ASHLEY ACCOUNT MANAGER 23 Years in the Insurance Industry

CALL TODAY FOR A FREE QUOTE! 712-873-3455 • WWW.EGRINSURANCE.COM 300 MAIN ST., P.O. BOX 565, MOVILLE, IA PROUDLY SERVING MOVILLE, IA; SIOUX CITY, IA; SERGEANT BLUFF, IA; CHEROKEE, IA; DAKOTA DUNES, SD; SOUTH SIOUX CITY, NE; AND SURROUNDING AREAS.

PAM EHLERS ACCOUNT MANAGER 35 Years in the Business and Insurance Industry

OPEN HOUSES SUNDAY!

LIKE US ON FACEBOOK

SUNDAY 1 - 2

SUNDAY 2:30 - 3:30

NEW LISTING 3413 S. LAKEPORT ST. SIOUX CITY, IA ---3 BED • 3 BATH $265,000

2801 11TH ST. SIOUX CITY, IA ---5 BED • 2 BATH $275,000

ALICIA REALTOR

LARSON

Licensed in IA, NE & SD

WWW.SIOUXLANDREALESTATEGUIDE.COM

712-259-5912

soldbyalicial@gmail.com

- Your Dream Home is Waiting 717 5TH AVE. SOUTH SIOUX CITY 4 BED 2 BATH

$364,950

OPEN HOUSE SUNDAY 2:30 - 3:30 2015 CASSELMAN ST.

SIOUX CITY 4 BED 2 BATH

$214,950

PRIVATE BACKYARD & OVERSIZED GARAGE!

Llama por una cotización. Roberto Rundquist, Agent 920 Morningside Ave. Sioux City, IA 51106-4829

Bus: 712-274-0014 roberto@segurosconroberto.com segurosconroberto.com Hablo Español

NEW PRICE - OPEN SUNDAY 11 - 12

316 E. 24th St. • South Sioux City, NE • $254,950 3 BEDROOM • 2 BATHROOM Stop by and walk through this very well-kept ranch home located in South Sioux City. Features 3 bedrooms (main), master with half bath, kitchen, dining room plus main floor laundry. Finished family room/bedroom and half bath downstairs. Tons of closet space, awesome garage with 1,196 sq. ft. Great location next to Raymond Park!

Debbie Larson 10

WWW.SIOUXLANDREALESTATEGUIDE.COM

Broker 712.281.6685

deblarson6685@gmail.com

cardinalcityrealty.com 402.494.5444

@cardinalcityrealty.com

NEW PRICE

NEW LISTING

OPEN SUNDAY 11 - 12

OPEN SUNDAY 1 - 2

NEW LISTING

1716 Ogden Ct. South Sioux City, NE • $359,000

316 E. 24th St. South Sioux City, NE • $254,950

3413 S. Lakeport St. Sioux City, IA • $265,000

NEW PRICE

OPEN SUNDAY 2:30 - 3:30

2801 11th St. Sioux City, IA • $275,000

717 5th Ave. South Sioux City, NE • $364,950

2015 Casselman St. Sioux City, IA • $214,950

4232 Harrison St. Sioux City, IA • $119,000

1309 Nebraska St. Sioux City, IA • $199,999

2211 Myrtle St. Sioux City, IA • $129,950

NEW PRICE

417 E. 14th St. South Sioux City, NE • $275,000

3820 G St. South Sioux City, NE • $240,000

552 Keman Dr. South Sioux City, NE • $539,000

Gina Anderson Debbie Larson Emily Brewer Cheri Bracht Alicia Larson Alma Salcido Omar Salcido REALTOR®

Broker/Owner

REALTOR®

Co-Owner

REALTOR®

712-574-1703 712-281-6685 402-241-7964 712-259-0134 712-259-5912 712-204-1489 712-204-0108

Your new listing is here! NEW LISTING - OPEN SUNDAY 11 - 12

PENDING IN ONE DAY!

2533 S. CORNELIA ST., SIOUX CITY, IA 504 JACE RD., SERGEANT BLUFF, IA $215,000 | 2 bed, 1.5+ bath | 1-stall garage

$529,000 | 5 bed, 3 bath | 3-stall garage

2001 SENECA WAY, SIOUX CITY, IA 4 bed, 3.5 bath | 3-stall garage | $409,950

Perfect home to celebrate the holidays!

Kristie Drent Committed to patience, hard work and a positive attitude! 712-899-1389

drentk@kw.com | licensed in SD, IA and NE

306 Burlington St. Kingsley, IA 2 bed, 1 bath, $149,000

3323 Jackson St. Sioux City, IA 4 bed, 1.5+ bath, $198,000

REV UP WITH VOS! app.kw.com/KW205BH0I

140th St. Moville, IA 35.88-acre lot, $600,000

1814 West St. Sioux City, IA 1 bed, 1 bath, $85,000

1517 W. 2nd St. Sioux City, IA 4 bed, 1 bath, $125,000 ACREAGE

114 Dover St. Kingsley, IA 3 bed, 2 bath, $125,000

39172 310th St. Kingsley, IA 4 bed, 1 bath, $298,000

1806 Chicago Ave. Spirit Lake, IA 3 bed, 2 bath, $215,000

TBD Clearview St. Moville, IA 11.88 acres, $275,000

10224 130th St. Sloan, IA 1.84-acre lot, $60,000

Mark Vos 712.253.1449 markvos@kw.com Licensed in IA, NE & SD 103 S. Virginia St., Ste. 100 Sioux City, IA 51101

WE DO IT ALL!

KITCHENS, BATHROOMS, LAUNDRY ROOMS, OFFICES, BOOT BENCHES AND MORE

NEW PRICE!

2909 W. 6th St. Sioux City, IA $139,000

2+ bed • 1 bath 2-car detached garage Mini acreage

Add a little to your cabinetry Whatever your flavor is, we have it!

NEW PRICE!

454 John St. Sioux City, IA $109,900

2+ bed • 1 bath Finishable dormer and basement 1-car garage

OPEN SUNDAY 12 - 2

844 Gordon Drive, Sioux City, Iowa 51101 www.centralkitchenbath.com

CALL AND MAKE AN APPOINTMENT FOR A FREE CONSULTATION!

The Company That Invented Sandless Refinishing!

4583-88 Whitetail Ct. Sioux City, IA

Get your FREE estimate today!

2 bed • 2 bath • 2-4-car garage $369,950 & $449,950

• Affordable Indoor & Outdoor Refinishing • Half the Cost of Sanding! • Five-Year Warranty!

877-966-3360 • MrSandless.com 14

WWW.SIOUXLANDREALESTATEGUIDE.COM

Directions: Take S. Lakeport south past the Southern Hills Mall then east on Singing Hills Blvd. into Elk Creek Development. Turn right onto Whitetail to the end.

Rosa Garcia Cabrales, REALTOR® 712-281-6233 rgarciacabrales@kw.com Licensed in IA & NE

103 Virginia St. Suite 100 Sioux City, IA

Gayle Miille, Broker Associate 712-251-6178 • gaylem@kw.com CBR, CRS, GRI, RCC, NHCS Licensed in IA,NE,SD

Experience Life at Flatwater Crossing www.flatwatercrossing.com Great time to begin building that home of your dreams in Siouxland’s most exciting, vibrant, unique community that is intertwined with trails, greenspaces, parks, village center with boat dock, restaurants and impressive river views. CHOOSE YOUR LOT AND THE DESIGN OF YOUR NEW HOME.

Ready-to-purchase spec homes overlooking the river!

NEW URBANISM

GREENSPACES

AFFORDABILITY

New Urbanism is a design movement which promotes community environmentally friendly habits by creating walkable neighborhoods containing a wide range of housing. The development features a unique mix of apartments, townhomes and cottages, village homes, standard and estate homes.

Flatwater Crossing’s network of trails, greenspaces, plazas, natural landscaping and outdoor venues offer something for everyone. Whether you’re in the mood to have a run by the Missouri River or take in an outdoor concert, Flatwater Crossing has a variety of convenient options to fit your lifestyle and hobbies.

Lots starting in the low 30s put the dream of homeownership closer to reality. Flatwater Crossing offers three lot options for homebuilders: Cottage, Estate and Riverfront Estate. With lot sizes topping out just shy of an acre in size, the community has possibilities for almost any budget.

BLUSTONE BUILDERS TAX ABATEMENT One-of-a-kind program! First three years of taxes FREE!

3340 WILLOW GARDENS SOUTH SIOUX CITY, NE

3344 WILLOW GARDENS SOUTH SIOUX CITY, NE

3648 PRAIRIE GROVE SOUTH SIOUX CITY, NE

3 bed • 3 bath • $420,000

5 bed • 3 bath • $380,000

Flatwater Crossing: New Development PAT WOJCIK 712-251-0983 LICENSED IN IA, NE, & SD

Holly June

NMLS# 420241

Julie Schmidt NMLS# 420240

Janelle Noreen NMLS# 420242

Sonia Locke NMLS# 1170815

Our home loan experts will help you get the right mortgage. Because home matters. SNBonline.com (712) 277-6785 Member FDIC

SUNDAY, NOVEMBER 12

OPEN HOUSE SATURDAY 10 - 11 2622 S. Martha St. Sioux City, IA - $239,900 3 bedroom, 2 bathroom Vanessa Lefler-Larned 712-898-4242 CENTURY 21 ProLink

OPEN HOUSE SATURDAY 1 - 2:30 3930 Fieldcrest Dr. Sioux City, IA- $271,000 3 bedroom, 2.5+ bathroom Scott Miller 712-251-2121 United Real Estate Solutions

OPEN HOUSE SATURDAY 3 - 4 100 W. Creek Dr. Lawton, IA - $435,000 3 bedroom, 3 bathroom Jessica Shook 712-490-4814 CENTURY 21 ProLink

OPEN HOUSE SUNDAY 12 - 1 1821 B St. South Sioux City, NE - $225,000 3 bedroom, 2 bathroom Lisa Sissel 712-253-6313 CENTURY 21 ProLink

OPEN HOUSE SUNDAY 12 - 1 1004 S. Saint Marys St. Sioux City, IA - $249,000 3 bedroom, 1.5+ bathroom Chris Oberg 712-253-9225 Premier Realty Group

OPEN HOUSE SUNDAY 12 - 1 208 Prairie Ln. Sergeant Bluff, IA - $300,000 3 bedroom, 2 bathroom Dana Kruse-Lenz 712-202-6375 Coldwell Banker Associated Brokers

OPEN HOUSE SUNDAY 12 - 1 376 Firethorn Trl. Dakota Dunes, SD - $819,900 5 bedroom, 5 bathroom Joe Krage 712-251-4030 United Real Estate Solutions

OPEN HOUSE SUNDAY 12 - 1 1724 La Plante Ave. Sioux City, IA - $185,000 2 bedroom, 1 bathroom Jessica Shook 712-490-4814 CENTURY 21 ProLink

OPEN HOUSE SUNDAY 12 - 1:30 4208 Ridge Ave. Sioux City, IA - $259,950 3 bedroom, 2.5 bathroom Bob McGinnis 712-251-3357 Coldwell Banker Associated Brokers

OPEN HOUSE SUNDAY 12 - 2 4586 Whitetail Ct. Sioux City, IA - $369,950 2 bedroom, 2 bathroom Gayle Miille 712-251-6178 Keller Williams Siouxland

OPEN HOUSE SUNDAY 12 - 2 4588 Whitetail Ct. Sioux City, IA - $449,950 2 bedroom, 2 bathroom Gayle Miille 712-251-6178 Keller Williams Siouxland

OPEN HOUSE SUNDAY 12 - 2 4583 Whitetail Ct. Sioux City, IA - $449,950 2 bedroom, 2 bathroom Gayle Miille 712-251-6178 Keller Williams Siouxland

OPEN HOUSE SUNDAY 1 - 2 3413 S. Lakeport St. Sioux City, IA - $265,000 3 bedroom, 3 bathroom Alicia Larson 712-259-5912 Cardinal City Realty, Inc.

OPEN HOUSE SUNDAY 1 - 2 514 Division St. Jefferson, SD - $259,000 2 bedroom, 2 bathroom Duster Hoffman 712-281-8704 NextHome Tri State Realty

OPEN HOUSE SUNDAY 1 - 2 2614 Washington Ave. Sioux City, IA - $215,000 3 bedroom, 2 bathroom Duster Hoffman 712-281-8704 NextHome Tri State Realty

OPEN HOUSE SUNDAY 1 - 2 1307 Country Club Dr. Elk Point, SD - $454,900 3 bedroom, 2 bathroom Troy Donnelly 712-899-3748 Herrity & Associates Inc. Real Estate

OPEN HOUSE SUNDAY 1 - 2 3205 Jennings St. Sioux City, IA - $175,000 4 bedroom, 1.5 bathroom Lonnie Hohl 712-259-0136 FACTOR Realty

OPEN HOUSE SUNDAY 1 - 2 3632 Prairie Grv. South Sioux City, NE - $435,000 3 bedroom, 2.5 bathroom Mike Wojcik 712-251-1798 United Real Estate Solutions

OPEN HOUSE SUNDAY 1:30 - 2:30 13 Edgewater Ln. Riv-R-Land, SD - $500,000 3 bedroom, 3 bathroom Barb Maxon 712-253-3647 CENTURY 21 ProLink

OPEN HOUSE SUNDAY 1:30 - 2:30 3815 Cheyenne Blvd. Sioux City, IA - $345,000 3 bedroom, 2.5 bathroom Joe Krage 712-251-4030 United Real Estate Solutions

OPEN HOUSE SUNDAY 1:30 - 2:30 3928 Cheyenne Blvd. Sioux City, IA - $295,000 3 bedroom, 2 bathroom Lee Quade 712-898-1606 United Real Estate Solutions

OPEN HOUSE SUNDAY 1:30 - 2:30 1113 18th St. Sioux City, IA - $155,000 5 bedroom, 2 bathroom Jessica Shook 712-490-4814 CENTURY 21 ProLink

OPEN HOUSE SUNDAY 2 - 3 132 Green Court Dr. Elk Point, SD - $419,000 5 bedroom, 3 bathroom Troy Donnelly 712-899-3748 Herrity & Associates Inc. Real Estate

OPEN HOUSE SUNDAY 2:30 - 3:30 2801 11th St. Sioux City, IA - $275,000 5 bedroom, 2 bathroom Alicia Larson 712-259-5912 Cardinal City Realty, Inc.

OPEN HOUSE SUNDAY 2:30 - 3:30 717 5th Ave. South Sioux City, NE - $364,950 4 bedroom, 2 bathroom Alma Salcido 712-204-1489 Cardinal City Realty, Inc.

OPEN HOUSE SUNDAY 2:30 - 3:30 5523 Stone Ave. Sioux City, IA - $339,000 3 bedroom, 2 bathroom Mike Wojcik 712-251-1798 United Real Estate Solutions

OPEN HOUSE SUNDAY 2:30 - 3:30 1823 S. Clinton St. Sioux City, IA - $230,000 2 bedroom, 2 bathroom Lonnie Hohl 712-259-0136 FACTOR Realty

OPEN HOUSE SUNDAY 2:30 - 3:30 1701 Summit St. Sioux City, IA - $212,000 4 bedroom, 3 bathroom Duster Hoffman 712-281-8704 NextHome Tri State Realty

OPEN HOUSE SUNDAY 11 - 12 316 E. 24th St. South Sioux City, NE - $254,950 3 bedroom, 2 bathroom Debbie Larson 712-281-6685 Cardinal City Realty, Inc.

OPEN HOUSE SUNDAY 11 - 12 2533 S. Cornelia St. Sioux City, IA - $215,000 2 bedroom, 1.5+ bathroom Kristie Drent 712-899-1389 Keller Williams Siouxland

OPEN HOUSES • OPEN HOUSES • OPEN HOUSES • OPEN HOUSES • OPEN HOUSES • OPEN HOUSES • OPEN HOUSES • OPEN HOUSES

SATURDAY, NOVEMBER 11

1004 S. Saint Marys St. Sioux City, IA 3 bed | 1.5+ bath | $249,000000 Come home to this perfect family home located on a well-maintained street!

OPEN HOUSE SUNDAY 12 - 1

NEW PRICE!

PENDING

906 Lowery Ave. Sanbord, IA

126 S. Leonard St. Sioux City, IA

.58-acre lot | $18,900 Nice .58-acre lot located on the golf course!! Last one available in this area!

2 bed | 1 bath | $59,000 Two bedrooms with one bath that currently rents for $650 per month. Selling as is.

LOOKING FOR A NEW HOME? LIST WITH PREMIER AND WE WILL MAKE S E LLI N G YO U R H O U S E A PR I O R IT Y

Julie Fischer Broker Associate (712) 251-7506 JSF89@AOL.COM

L I C E N S E D I N I OWA , N E B R A S K A , S O U T H D A KO TA

712-255-5611 • 310 S. FLOYD, SIOUX CITY, IA WWW.JULIESTEVENSONFISCHER.COM • WWW.CHRISOBERG.COM

Chris Oberg Sales Associate (712) 253-9225 CHRISOBERG@AOL.COM

HOME I DON’T WANT TO SELL YOU A HOUSE, I WANT TO SELL YOU A

THE PRICE OF HOUSING HAS INCREASED DRAMATICALLY!

NEW PRICE

The homes sold are worth more today! Do you want to know what your home is worth or looking for a new home? Jeff will help you navigate the market!

2312 S. CLINTON ST. • SIOUX CITY, IA $179,950

MANY UPDATES

PENDING

3701 7TH AVE. • SIOUX CITY, IA $179,950

1015 28TH ST. • SIOUX CITY, IA $199,950

2510 S. GLASS ST. • SIOUX CITY, IA $225,000

4832 SINGING HILLS BLVD. • SIOUX CITY, IA $345,000

PENDING

SOLD

JEFF NELSON

(712) 490-4130

jeffnelson.unitedrealestatesolutions.com jeffnelson@unitedrealestatesolutions.com

LICENSED IN IA AND NE 302 Jones St., Suite 100, Sioux City, IA 51101

NEW PRICE

Nick Tramp Associate

402-660-4686 LICENSED IN IA, SD & NE 302 Jones St., Suite 100 Sioux City, IA

607 6TH AVE. DIXON, NE 6 BED • 2 BATH $36,500

302 EAGLE AVE. ALLEN, NE

3910 SMITH RIVER RD. SIOUX CITY, IA 2-ACRE LOT $75,000

210 DOVER ST. KINGSLEY, IA

NICKTRAMP@MYUNITEDAGENT.COM NICKTRAMP.UNITEDREALESTATESOLUTIONS.COM

3 BED • 1.75 BATH $182,500

NEW PRICE

3 BED • 2 BATH $175,000

PENDING 4016 Hiawatha W, Sioux City, IA 2828 S. CEDAR ST., Sioux City, IA 3 bed • 3 bath • $249,000

4 bed • 2 bath • $229,950

Cyndi Unger

712.251.4562

cyndiunger@myunitedagent.com 302 Jones st., suite 100, sioux city, ia 51101 712-226-6000 licensed in ia, ne & sd 20

WWW.SIOUXLANDREALESTATEGUIDE.COM

648 MONTEREY TRL. DAKOTA DUNES, SD 3 BED I 3 BATH I $1,225,000 One of the most unique and truly amazing homes in all of Dakota Dunes!

When You’re Ready to BUY or SELL, ASK ADAM, Your Real Estate Expert!

3101 EUCLID AVE. SIOUX CITY, IA

847 BROOKSIDE DR. JEFFERSON, SD

3 BED I 1 BATH I $122,500

5 BED I 4 BATH I $504,900

Adam Stokes 33240 GLEN DR. # 16 33240 GLEN DR. # 18 SIOUX CITY, IA SIOUX CITY, IA 7.02 ACRES I $269,995

2.59 ACRES I $97,000

Licensed in IA and SD 712-204-1414 adamstokes.unitedrealestatesolutions.com adamstokes@myunitedagent.com 302 Jones St., Suite 100, Sioux City, IA

OPEN SUNDAY 1:30 - 2:30 3928 CHEYENNE BLVD. SIOUX CITY, IA

$295,000 Desirable walkout ranch setting on a beautiful 0.32-acre lot!! This home offers low maintenance living for the lucky buyer. The major components have been updated to include windows, HVAC, flooring, radon system, kitchen, baths, and brand new storage shed.

712.898.1606 LICENSED IN IA & SD

ME Lee Quade CALL TODAY!

REALTOR®

THIS THANKSGIVING, BE

Thankful

for a new home with new memories. Call lisa guerra to start house hunting!

402.508.6549 • lisaguerra@myunitedagent.com Licensed in IA, NE & SD lisaguerra.unitedrealestatesolutions.com/ 302 Jones St., Ste. 100, Sioux City, IA

WWW.SIOUXLANDREALESTATEGUIDE.COM

5 BED, 5 BATH

7 BED, 4 BATH

376 FIRETHORN TRL.

4103 PERRY WAY

DAKOTA DUNES, SD

$819,900

SIOUX CITY, IA

$584,950 $849,000

OPEN HOUSE SUNDAY 12 - 1

OPEN HOUSE SUNDAY 1:30 - 2:30

NEW PRICE

3815 CHEYENNE BLVD. SIOUX CITY, IA 3 BED • 2.5 BATH $345,000

601 BEALL ST. SLOAN, IA 4 BED • 2 BATH $149,900

PENDING

Joe Krage CBR

712-251-4030

302 Jones St., Suite 100, Sioux City, IA

Licensed in IA, NE & SD

2930 WASHINGTON AVE.

193 N. CANTERBURY CIR.

2 BED • 1 BATH

.24-ACRE LOT

SIOUX CITY, IA $149,950

NORTH SIOUX CITY, SD $73,000

How Do I Choose a

MORTGAGE TYPE?

Courtesy of ArticleCity.com

When you decide to buy a home, you have all sorts of decisions to make. For one, you need to choose the place you want to live, your neighborhood and what kind of home you want to buy. Besides that, you also need to know how to select the best mortgage type for you. Below outlines two different types of mortgages homebuyers can choose from.

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

JANA LAMMERS NMLS ID #1339664 1601 S. Main Ave. Sioux Center, IA 51250 712-722-4545

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

FIXED-RATE MORTGAGE The fixed-rate mortgage is the most popular, conventional option that anyone can choose. It involves paying your down payment and then proceeding with monthly payments on your debt and interest. With regard to the name, the “fixed rate” refers to the rate the bank charges you on the interest of your loan. You lock in a certain rate for a number of years, gaining stability and predictability in your payments.

ADJUSTABLE-RATE MORTGAGE An adjustable-rate mortgage is a counterpart to fixed-rate mortgages. The rate you pay on interest isn’t pinned to one specific rate, and it can go up or down as the interest rates do. Since there’s a bit of risk involved with adjustable-rate mortgages, it’s sometimes possible to get more favorable terms by choosing them. Additionally, you’ll benefit from favorable interest rates in the form of lower payments.

If you need predictable payments or anticipate rising interest rates, a fixed-rate mortgage is a great choice. Most homeowners opt for this type of loan since the others generally entail more risk or vulnerability for the borrower.

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

LE MARS 37 1st Ave. NW Le Mars, IA 51031 712-546-4175 lemars@primebank.com

SIOUX CENTER 1601 S. Main Ave. Sioux Center, IA 51250 712-722-4545 siouxcenter@primebank.com

SIOUX CITY 5680 Sunnybrook Dr. Sioux City, IA 51106 712-224-5400 siouxcity@primebank.com

FACEBOOK.COM/BANKATPRIMEBANK TWITTER.COM/BANKATPRIMEBANK WWW.PRIMEBANKMORTGAGE.COM WWW.PRIMEBANK.COM NMLS ID #486549

SIOUX CITY 2700 Hamilton Blvd. Sioux City, IA 51104 712-224-4777 siouxcity@primebank.com

Y OUR S IOU X L A ND RE A L E S TAT E E X P E RT S Iowa Office

302 Jones St.,St., Suite 302 Jones Suite 100 100 City,IA IA SiouxSioux City, 712-226-6000 712-226-6000

LICENSED IN IOWA, NEBRASKA & SOUTH DAKOTA

SCAN FOR NEW LISTINGS

SCAN FOR OPEN HOUSES

Nebraska Office 1913 Dakota Ave. S. Sioux City, NE 402-494-2031

South Dakota Office

400 Cir., Suite 400Gold Gold Cir., Suite 120 120 Dakota Dunes, SD SD Dakota Dunes, 605-217-4663 605-217-4663

938 Spyglass Ct. Dakota Dunes, SD $745,000

4103 Perry Way Sioux City, IA $584,950

3725 Lindenwood St. Sioux City, IA $500,000

520 Willard St. Whiting, IA $375,000

3928 Cheyenne Blvd. Sioux City, IA $295,000

3930 Fieldcrest Dr. Sioux City, IA $271,000

4607 Applewood Ave. Sioux City, IA $259,500

1207 13th St. Sioux City, IA $235,000

1918 Douglas St. Sioux City, IA $219,500

2838 S. Palmetto St. Sioux City, IA $210,000

819 19th St. Sioux City, IA $190,000

214 E. 17th St. South Sioux City, NE $179,000

304 E. 22nd St. South Sioux City, NE $178,999

3101 Euclid Ave. Sioux City, IA $122,500

1102 Jennings St. Sioux City, IA $99,000

1619 W. Highland Ave. Sioux City, IA $76,500

UnitedRealEstateSolutions.com is the ONLY website you need for your home search!

Angie Van Otterloo Mortgage Loan Officer NMLS ID #402073 (712) 226-LEND or 5363 avanotterloo@centralbankonline.com

Not all real estate companies are the same. United is committed to preparing our agents for success. Better training means better agents and better results. Contact the United team to experience the difference when buying or selling a home.

YOU R S IO UX L AND R EAL ES TAT E E XP E RT S Voted Best Real Estate Company 4 Years In A Row.

Lexi Anderson 402-404-0225

Rick Arnold 712-251-8877

Hank Baker 712-490-6621

Gabe Basarich 712-577-1296

Keri Boneschans 712-898-8829

Jacquelyn Brummond 712-717-2136

Nicole Card 712-226-6048

Peggy Christensen 712-251-2308

Judy Clayton 712-251-6271

Steph Dattolico 712-898-8091

Liz Deurloo 712-490-5141

Sheryl Ford 712-212-4576

Juan Garcia 712-560-5177

Dixie Gors 712-490-7939

Lisa Guerra 402-508-6549

Diego Hernandez 712-449-5959

Eric Hoak 712-251-4886

Barb Kimmel 712-251-4053

Joe Krage 712-251-4030

Thomas Marx 712-522-9030

Linda Mathison 712-253-2557

Kevin McManamy 712-253-0654

Sydney McManamy 712-301-3191

Scott Miller 712-251-2121

Mick Morgan 712-389-4861

Jeff Nelson 712-490-4130

Daniel Nguyen 712-212-1134

Bob Patton 712-490-8734

Dave Pepin 712-635-5945

Lee Quade 712-898-1606

Rachel Raak 712-454-4227

Patti Robinson 712-301-9355

Adam Stokes 712-204-1414

Burnett Team 712-251-0829

Nick Tramp 402-660-4686

Samantha Tuton 712-202-3514

Cyndi Unger 712-251-4562

Mike Wojcik 712-251-1798

Katie Worden 712-560-6339

Chris Zant 712-253-4694

Claudia Zapata 712-281-2644

Are you a Self-Starter? Problem Solver? Have the Entrepreneurial Spirit? Looking for Unlimited Earning Potential? Now is the time to have the career you REALLY want! Contact us TODAY to start your path to a real estate career! Contact Kristie VerMulm at (712) 226-6071 or visit unitedrealestatesolutions.com/careers.

PENDING

858 E. Sawgrass Trl. Dakota Dunes, SD 5 bed I 4.5+ bath I $1,300,000

406 Maupin Ln. Sergeant Bluff

BARB KIMMEL

712-251-4053

BarbKimmel@myunitedagent.com Licensed in IA & SD barbkimmel.unitedrealestatesolutions.com 302 Jones St., Suite 100, Sioux City, IA

FALL INTO THESE GREAT LISTINGS! OPEN SUNDAY 1 - 2

3632 Prairie Grv. South Sioux City, NE $435,000 • 3 bed • 2.5 bath

OPEN SUNDAY 2:30 - 3:30

5523 Stone Ave. Sioux City, IA $339,000 • 3 bed • 2 bath

800 S. Newton St. Sioux City, IA $278,000 • 3 bed • 4 bath

ACREAGE - PRICE REDUCED

214 E. 17th St. South Sioux City, NE $179,000 • 2 bed • 1 bath

REALTOR® //////

Tbd Clark Ave. Ponca, NE 5.3 acres • $65,000

WWW.SIOUXLANDREALESTATEGUIDE.COM

410 S. Harrison St. Allen, NE $119,000 • 2 bed • 1 bath

712-251-1798 Licensed in IA & NE

th Street ~ $235,0 th Street ~ $235,000 th1207 13 th 1207 13 1207 13 Street ~ 1207 13 Street, Sioux City, IA $235,000 thth

120713 13 Street,This Sioux City, 1207 Street, Sioux City, IA beautifully move-in renovated, move-in re This beautifully renovated, move-inThis ready beautifully renovated, ready home,close is located close to downtown. home, is located closehome, to downtown. is located to downtown. NEW LISTING! NEW LISTING! 1207 13th Street, Sioux City, IA $235,000 Renovations include new:with sheetrock w NEW LISTING! Renovations new: sheetrockinclude with new: sheetrock NEWinclude LISTING! Renovations thblown-in insulation, electrical panel an 12071207 13 13 Street ~ $235,000 1207 13 Street Street ~ $235,000

blown-in insulation, electrical panel and blown-in insulation, electrical This beautifully renovated, move-in readypanel home and wiring, th wiring, th plumbing, high-efficiency and plumbing, high-efficiency heating and air- Renovations plumbing, high-efficiency heating andheating airis located close to downtown. include: conditioning, windows, roof New and siding conditioning, windows, siding. •roof Newand sheetrock withNew blown-in insulation, electrical conditioning, windows, roof and siding. This beautifully renovated, move-in ready This beautifully renovated, move-in ready This beautifully renovated, move-in ready panel and wiring, plumbing, high-efficiency heating ceramic floor tiling throughout the ma ceramic floor tilinghome, throughout the main floor, ceramic floor tilingclose throughout the main floor, is located close to downtown. home, islocated located toroof downtown. and air-conditioning, windows, and siding. home, is close to downtown. and new carpet throughout the seco and new carpet throughout the second floor. and new carpet throughout thewith second floor. Renovations include new: sheetrock Renovations include new: sheetrock with • New ceramic floor tiling throughout the main floor, Renovations include sheetrock with The totally renovated kitchen includes The totally renovated kitchen includes newnew: The totally renovated kitchen includes new blown-in insulation, electrical and wiring, blown-in insulation, electrical panel wiring, and new carpet throughout thepanel second floor. and blown-in insulation, electrical panel and wiring, cabinetry, Stainless-Steel appliances, cabinetry, Stainless-Steel appliances, walk-in cabinetry, Stainless-Steel appliances, plumbing, high-efficiency and air-walk-in • Totally renovated kitchenheating includes new cabinetry, plumbing, high-efficiency heating and airplumbing, high-efficiency heating and airpantry, and slider to the spacious pantry, and slider conditioning, to the spacious patio. New pantry, and slider to the spacious patio. New pati stainless steel appliances, walk-in pantry, and slider windows, roof and siding. New conditioning, windows, roof and siding. New conditioning, windows, roof and siding. New half-bathroom on the main floor, half-bathroom onceramic the main floor, and to the spacious patio. half-bathroom on the main floor, floor tiling throughout the main floor,floor, and ceramic floor tiling throughout theand main floor tiling theon main completely renovated bathroom on t • New half-bathroom onthroughout the main completely renovated bathroom on thethroughout completely renovated bathroom thefloor, and ceramic new carpet throughout thefloor, second floor. and new carpet theand second floor. and new carpet throughout the second floor. completely renovated bathroom on the second floor second floor with beautiful tile work second floor with The beautiful tile work andkitchen walksecond floor with beautiful tileincludes work and walk- an totally renovated includes new The totally renovated kitchen new with beautiful tile work and walk-in shower The totally renovated kitchen includes new in shower with bench. New landscapi in shower with bench. New landscaping in shower with bench. New landscaping cabinetry, Stainless-Steel appliances, walk-in cabinetry, Stainless-Steel appliances, walk-in with bench. Stainless-Steel cabinetry, appliances, walk-in includes retaining wall, fruit trees, includes retainingpantry, wall,includes fruit trees, rose bushes, retaining wall, fruit trees, rose bushes, pantry, and slider to the spacious New rose and slider to includes the spacious patio. New • New landscaping retaining wall, patio. fruit trees, pantry, and slider to the spacious patio. New a spacious concrete patio off the kitc a spacious concrete patio off theon kitchen, and ahalf-bathroom spacious patio off the kitchen, onmain the main floor, half-bathroom the floor, and rose bushes, aconcrete spacious concrete patio off and the kitchen, and half-bathroom on the main floor, and new storage shed. new storage shed.completely completely renovated bathroom on the new storage shed. and new storage shed.bathroom renovated on the completely renovated bathroom on thewalk“ WHETHER YOU’RE BUYING, SELLING OR BUILDING, second floor with beautiful tile work second floor with beautiful tile work and and walkI’M YOUR TRUSTED ADVISOR IN REAL ESTATE BUSINESS!” second floor with beautiful tile work and walkin shower with bench. landscaping in shower with bench. New New landscaping inincludes shower retaining with bench. New HANK fruit landscaping trees, bushes, includes retaining wall, wall, fruit trees, rose rose bushes, includes retaining wall, fruit off trees, rose bushes, 712-490-6621 a spacious concrete patio the kitchen, a spacious concrete patio off the kitchen, andand hankbaker@myunitedagent.com anew spacious concrete patio off the kitchen, and storage shed. new storage shed. Licensed in IA and NE new storage shed.

Baker

A Bank Here For Yo First-time homebuyer Ready to upgrade Building or remodeling We offer flexible home solutions.

Lesa Cropley 402.494.4215 South Sioux City · Sioux City, IA · fmbankne.bank NMLS #422218 · NMLS #424913 · NOVEMBER 9 - 15, 2023

3930 Smith River Rd. Lot #3 Sioux City, IA

Buy NOW, Build in the Spring!

$35,000

Country Living with Beautiful Views!! Just minutes from town!! TWO buildable acres, zoned residential, utilities not included.

Liz Deurloo 712-490-5141

Licensed in IA, NE & SD lizdeurloo@myunitedagent.com lizdeurloo.unitedrealestatesolutions.com

302 Jones St., Ste. 100 Sioux City, IA

NEW LISTING

OPEN HOUSE SUNDAY 1 - 2

OPEN HOUSE SUNDAY 2:30 - 3:30

2614 Washington Ave. Sioux City, IA | $215,000 1,734 sq. ft.

514 Division St. Jefferson, SD | $259,000 2,016 sq. ft.

1701 Summit St. Sioux City, IA | $212,000 2,113 sq. ft.

GREAT INVESTMENT

COMMERCIAL - PRICE REDUCTION

712 W. 7th St. Sioux City, IA | CALL FOR PRICE 4,205 sq. ft.

TBD 330th St. Jefferson, SD | $754,000 13.8 acres

201 Union St. Westfield, IA | $170,000 2,322 sq. ft.

DUSTER HOFFMAN

712-281-8704 LICENSED IN IA, NE AND SD 30

WWW.SIOUXLANDREALESTATEGUIDE.COM

OPEN SUN. 1 - 2

2614 WASHINGTON AVE. SIOUX CITY, IA 3 BD, 2 BATH, $215,000 DUSTER HOFFMAN

514 DIVISION ST. JEFFERSON, SD 2 BD, 2 BATH, $259,000 DUSTER HOFFMAN

NEW LISTING

2036 MASON AVE. ANTHON, IA 3 BD, 2 BATH, $140,000 HANNAH SWANSON

2237 ROOSEVELT ST. SIOUX CITY, IA 4 BD, 2 BATH, $219,950 BRITTNI STABEN

107 8TH ST. N. MAPLETON, IA 7 BD, 7 BATH, $127,000 VICKI KOLLBAUM

NEW LISTING

NEW PRICE

1901 S. POMEGRANITE ST. SIOUX CITY, IA 2 BD, 1 BATH, $155,000 HANNAH SWANSON

48202 RENKEN RD. AKRON, IA 5 BD, 3 BATH, $260,000 JANEL PEARSON

NEW LISTING

OPEN SUN. 2:30 - 3:30 1701 SUMMIT ST. SIOUX CITY, IA 4 BD, 3 BATH, $212,000 DUSTER HOFFMAN

NEW PRICE

511 HWY 35 DAKOTA CITY, NE 3 BD, 2.5 BATH, $489,000 DAWN CONOVER

59126 HWY 12 PONCA, NE 3 BD, 3 BATH, $310,000 KARLA HERTZ

NEW PRICE

205 HARRIS ST. HUDSON, SD $28,000 KIMBERLY DEKKERS

1986 410TH ST. HAWARDEN, IA 4 BD, 2 BATH, $325,000 KIMBERLY DEKKERS

1320 LAKE ST. SPIRIT LAKE, IA COMMERCIAL KATIE SLATER

TBD 330TH ST. JEFFERSON, SD $754,000 DUSTER HOFFMAN

2551 NICKLAUS BLVD. SIOUX CITY, IA 8,276-SQ.-FT. LOT, $38,500 DAWN CONOVER

NEW PRICE

1121 10TH ST. HAWARDEN, IA 3 BD, 2 BATH, $235,000 JANEL PEARSON

14003 160TH ST. AKRON, IA 3 BD, 1.5+ BATH, $320,000 JANEL PEARSON

NEW PRICE

PENDING

2600 BING ST. SIOUX CITY, IA .45-ACRE LOT, $69,000 DUSTER HOFFMAN

600 4th Street, Suite 231 Sioux City, IA 51101 (712) 224-NEXT

600 4th Street, Suite 231, Sioux City, IA 51101

351 S. 2ND ST. AKRON, IA 3 BD, 1 BATH, $135,000 JANEL PEARSON

EACH OFFICE IS INDEPENDENTLY OWNED AND OPERATED

KIMBERLY

RANDY

DAWN

KATIE

KARLA

SHELLY

DEKKERS

KITTLER

CONOVER

SLATER

HERTZ

GLISSMAN

HOFFMAN

KOLLBAUM

PEARSON

605-610-5138

712-281-2310

402-494-5137

712-320-0887

712-251-6861

712-224-6398

712-281-8704

712-251-0951

712-552-7102

DUSTER

VICKI

JANEL

JESS

HANNAH

BRITTNI

STABEN SWANSON CROSS 712-899-2549 712-635-0884 712-577-2129

Virtual tours are available on many of our listings at www.NextHomeTriState.com

A BETTER MORTGAGE EXPERIENCE

Dianna Koontz NMLS #493728

dkoontz@centralbankonline.com Call or Text (712) 389-6317

Our mortgage services are more than the loans themselves. Our rates are competitive. Our process is simple and quick. But first and foremost, with Central Bank, you have a mortgage officer who will

Chris Krueger

Laurie Beardsley

provide the unparalleled

ckrueger@centralbankonline.com Call or Text (712) 223-0698

lbeardsley@centralbankonline.com Call or Text (712) 898-5276

Angie Van Otterloo

Jared Noteboom

avanotterloo@centralbankonline.com

jnoteboom@centralbankonline.com

NMLS #728693

NMLS #441062

personal service you expect. And that’s peace of mind.

Apply today at centralbankonline.com

NMLS #402073

NMLS #1207705

Call or Text (712) 251-7631

Call or Text (712) 490-4722

Download the Central Bank Home Loans app! https://mtgpro.co/hukan Calculate monthly payments, compare lending scenarios, apply using your smartphone...and much more.

OPEN HOUSE SUNDAY 12 - 1 208 Prairie Ln. Sergeant Bluff, IA - $300,000 3 bedroom, 2 bathroom Dana Kruse-Lenz 712-202-6375 Coldwell Banker Associated Brokers

OPEN HOUSE SUNDAY 12 - 1 304 E. 22nd St. South Sioux City, NE- $178,999 2 bedroom, 2 bathroom Dixie Gors 712-490-7939 United Real Estate Solutions

OPEN HOUSE SUNDAY 12 - 1:30 4208 Ridge Ave. Sioux City, IA - $259,950 3 bedroom, 2.5 bathroom Bob McGinnis 712-251-3357 Coldwell Banker Associated Brokers

OPEN HOUSE SUNDAY 1 - 2 3413 S. Lakeport St. Sioux City, IA - $265,000 3 bedroom, 3 bathroom Alicia Larson 712-259-5912 Cardinal City Realty, Inc.

OPEN HOUSE SUNDAY 2:30 - 3:30 1701 Summit St. Sioux City, IA - $212,000 4 bedroom, 3 bathroom Duster Hoffman 712-281-8704 NextHome Tri State Realty

2237 Roosevelt St. Sioux City, IA - $219,950 4 bedroom, 2 bathroom Brittni Staben 712-577-2129 NextHome Tri State Realty

1901 S. Pomegranite St. Sioux City, IA - $155,000 2 bedroom, 1 bathroom Hannah Swanson 712-635-0884 NextHome Tri State Realty

2637 S. Glass St. Sioux City, IA - $195,000 2 bedroom, 1 bathroom Savannah Hinze 712-212-3977 1% Lists Dream Street

318 Alderson St. Sloan, IA- $345,000 3 bedroom, 2.5+ bathroom Savannah Hinze 712-212-3977 1% Lists Dream Street

4409 Correctionville Rd. Sioux City, IA - $435,000 4 bedroom, 3 bathroom Tiffany Pech-Williams 712-898-3638 CENTURY 21 ProLink

920 Wright Ave. Sioux City, IA - $125,000 2 bedroom, 1 bathroom Brittnie Willett 712-301-6329 CENTURY21 Prolink

310 Helmer St. Sioux City, IA - $115,000 3 bedroom, 1 bathroom Brittnie Willett 712-301-6329 CENTURY21 Prolink

1614 W. 28th St. Sioux City, IA - $110,000 2 bedroom, 1 bathroom Brittnie Willett 712-301-6329 CENTURY21 Prolink

1207 13th St. Sioux City, IA - $235,000 3 bedroom, 1.5+ bathroom Hank Baker 712-490-6621 United Real Estate Solutions

1918 Douglas St. Sioux City, IA - $219,500 5 bedroom, 2 bathroom Chuck Burnett 712-251-0829 Marian Burnett 712-898-8924 United Real Estate Solutions

5508 Windsor Ave. Sioux City, IA - $274,950 3 bedroom, 1.5 bathroom Christine Stultz 712-898-8083 Priscilla Andersen 712-253-7580 CENTURY 21 ProLink

1102 Jennings St. Sioux City, IA- $99,000 3 bedroom, 2 bathroom Thomas Marx 712-522-9030 United Real Estate Solutions

1207 13th St. Sioux City, IA - $235,000 3 bedroom, 1.5+ bathroom Hank Baker 712-490-6621 United Real Estate Solutions

2834 Sunset Cir. Sioux City, IA- $250,000 3 bedroom, 2 bathroom Vanessa Lefler-Larned 712-898-4242 CENTURY 21 ProLink

107 8th St. N. Mapleton, IA - $127,000 7 bedroom, 7 bathroom Vicki Kollbaum 712-251-0951 NextHome Tri State Realty

1716 Ogden Ct. South Sioux City, NE - $359,000 3 bedroom, 2 bathroom Cheri Bracht 712-259-0134 Cardinal City Realty, Inc.

2036 Mason Ave. Anthon, IA - $140,000 3 bedroom, 2 bathroom Hannah Swanson 712-635-0884 NextHome Tri State Realty

Dianna Koontz NMLS #447201

SIOUXLAND’S MORTGAGE EXPERTS

NMLS #493728 dkoontz@ mycentral.bank (712) 389-6317

Laurie Beardsley

NMLS #441062 lbeardsley@ mycentral.bank (712) 898-5276

Angie Van Otterloo NMLS #402073 avanotterloo@ mycentral.bank (712) 251-7631

Equal Housing Lender Member FDIC

NEW LISTINGS • NEW LISTINGS • NEW LISTINGS • NEW LISTINGS • NEW LISTINGS • NEW LISTINGS • NEW LISTINGS

OPEN HOUSE SUNDAY 11 - 12 2533 S. Cornelia St. Sioux City, IA - $215,000 2 bedroom, 1.5+ bathroom Kristie Drent 712-899-1389 Keller Williams Siouxland

FHA MORTGAGE SOLUTION WITH SMALLER DOWN PAYMENTS

If you are a first-time homebuyer looking for an affordable loan option, or someone who may not have the option of conventional financing, a Federal Housing Administration

ADDITIONAL PROGRAMS

(FHA) loan is the perfect product for you.

DOWN PAYMENT & CLOSING COST ASSISTANCE PROGRAMS

As part of the United States Department of Housing and Urban Development (HUD), FHA requirements are not as rigid, making it easier for borrowers on a tight budget with limited down payment funds. FHA offers several options to borrowers at more favorable terms than conventional loans.

FHA CASHOUT REFINANCE UP TO 85% OF YOUR HOME’S VALUE

BENEFITS

Lower down payment required compared to most conventional loans (3.5% vs 5%) Lower credit requirements than most conventional loans Shorter waiting times after a negative housing or credit event (i.e., foreclosure or bankruptcy) More purchasing power with higher

FHA PAYMENT REDUCTION PROGRAM WITH NO CLOSING COSTS

debt-to-income ratios accepted

FOR MORE INFORMATION,, CONTACT OUR TEAM TODAY

Chad Thompson NMLS 488230 Loan Officer 712-330-8588 | chadt@vipmtginc.com chadthompson.vipmtginc.com

Mark Roos NMLS 418790 Loan Officer 712-490-3485 | markr@vipmtginc.com markroos.vipmtginc.com

1811 Hill Avenue; Spirit Lake, IA 51360 - 6111 Whispering Creek, Suite B; Sioux City, IA 51106. V.I.P. Mortgage, Inc. does Business in Accordance with Federal Fair Lending Laws. NMLS ID 145502. IA Mortgage Banker License 2020-0006. V.I.P. Mortgage, Inc. is not acting on behalf of or at the direction of the FHA/HUD or the Federal Government. This product or service has not been approved or endorsed by any governmental agency, and this offer is not being made by any agency of the government. V.I.P. Mortgage, Inc.se is approved to participate in FHA programs but the products and services performed by V.I.P. Mortgage, Inc. are not coming directly from HUD or FHA. Information, rates, and programs are subject to change without notice. All products are subject to credit and property approval. Not all products are available in all states or for all loan amounts. Other restrictions may apply. This is not an offer to enter into an agreement. Offer applied after qualification. Not all customers will qualify.

We’ve got the listing YOU’RE LOOKING FOR! $12 - $15/SQ.FT./YR NNN

NEW PRICE $1,056,000

TRIPLEX

SOLD

PENDING

$150,000

2628 I Ave. Hubbard, NE Acreage

1305 S. Spring Ave. Sioux Falls, SD $285,000

705 Douglas St. Sioux City, IA

720 & 718 S. 2nd Ave. Sioux Falls, SD

111 W. Birch St. 4638 Country Club Blvd. Lawton, IA Sioux City, IA 5 bed • 3.5 bath • $389,000 3 bed • 1 bath • $205,000

211 Sioux Point Rd., #150, Dakota Dunes, SD 57049

605.232.1819

www.jandmrealestate.com Serving Iowa, Nebraska and South Dakota

Brandi Jorgensen

Kris Brown

605-232-1819

Luxury Home Specialist REALTOR®

brandi@jandmrealestate.com

par4kris@midamericags.com

BROKER

712-490-1222

Stephanie Mohr

Jean Midland

Talli Poulsen

972-977-3481

712-898-5910

559-430-9414

stephanie@jandmrealestate.com

midlandjean@gmail.com

talli@jandmrealestate.com

REALTOR®

DO YOU NEED HELP WITH CLOSING COST ASSISTANCE? WE’VE GOT YOU COVERED! CONTACT TERESA DEWOLF AND PAULA BROWN TO TALK WITH THEM ABOUT ONE OF THE FOLLOWING LOAN OPTIONS:

TERESA DEWOLF MORTGAGE LOAN ORIGINATOR NMLS#1563290 • 712-577-1810 TDEWOLF@HERITAGEBANKNA.COM

• Conventional • Construction • Refinance

• FHA • VA

PAULA BROWN MORTGAGE LOAN ORIGINATOR NMLS#2429224 • 712-233-1016 PBROWN@HERITAGEBANKNA.COM

CHOOSE HERITAGE BANK FOR A TIMELY AND KNOWLEDGEABLE RESPONSE TO YOUR LOAN NEEDS. OUR PERSONAL BANKERS MAKE FINANCING SIMPLE AND EFFICIENT. CONTACT US TODAY!

OPEN SUN. 1 - 2

1307 Country Club Dr., Elk Point, SD 3 BED • 2 BATH • $454,900 OPEN SUN. 2 - 3

132 Green Court Dr., Elk Point, SD 5 BED • 3 BATH • $419,000 Whether you are buying, selling, building, or simply considering

our team can help!.

Troy

Country Club Estates

DONNELLY

Broker/Auctioneer

712.899.3748 • tdonnelly@iw.net LICENSED IN SD, IA & NE

Lots for Sale Elk Point, SD $23,500 - $55,000

ASK ABOUT CONTRACTOR CONCESSIONS (AVAILABLE ONLY TO QUALIFIED BUYERS).

487 BAY HILL CIR. DAKOTA DUNES, SD $1,075,000 4 bedroom | 4 bath 3-stall garage|3,586 sq. ft. Quick possession!

ASK ABOUT CONTRACTOR CONCESSIONS (AVAILABLE ONLY TO QUALIFIED BUYERS).

814 CROOKED TREE LN. DAKOTA DUNES, SD $630,000 3 bedroom | 2.5 bath Huge closets|Tons of storage 2+-stall garage|2,933 sq. ft. Willows HOA

349B LAKESHORE DR. MCCOOK LAKE, SD $645,000 4 bedroom | 3.5 bath

FALL IN LOVE FROM A NEW PERSPECTIVE

Waterfront with million dollar view!! Well-maintained and lots of upgrades and updates.

PAMELA J. KAVANAUGH EDWARDS Broker Associate Licensed in IA & SD

(712) 259-4074 pam@dakotadunes.com 335 Sioux Point Rd., Dakota Dunes, SD 57049

FINE HOMES AND ESTATES CALL BARB | 712-253-3647 WYNSTONE | $3,500,000 976 WYNSTONE DRIVE

Sophisticated elegance with French country inspired finishes with this 2-story home with 5 bedrooms, 7 bathrooms, a 5-car garage, all on a riverfront 3 acres.

CALL BARB | 712-253-3647 DAKOTA DUNES | $1,000,000 961 QUAIL HOLLOW CIRCLE

This lovingly cared for home has 6 bedrooms, 4 bathrooms and a 4-car garage. It has a walkout basement. Main floor has primary bedroom, office and formal dining.

CALL BARB | 712-253-3647

WHISPERING CREEK | $1,000,000 2600 GLEN ELLEN ROAD

Acreage setting with 6.7 acres and a private, stocked lake. The ranch home has 4 bedrooms, 3 bathrooms, a 3-car garage, and an indoor putting green.

CALL BARB | 712-253-3647 NORTHSIDE | $600,000 2323 NEBRASKA STREET

If you are looking for a piece of Sioux City history, here is a Georgian mansion with 3 floors, 8 bedrooms, 4 bathrooms and a 2-car detached garage sitting on 3 lots.

CALL BARB | OPEN SUNDAY 1:30 - 2:30 | 712-253-3647 HOSTED BY LISA SISSEL

RIV-R-LAND ESTATES | $500,000 13 EDGEWATER LANE

This 3-bedroom ranch home had a complete remodel in 2012 and has an inground pool, a 2-car garage and sits on 2 lots.

CALL BARB | 712-253-3647 MORNINGSIDE | $450,000 4605 HAWTHORNE DRIVE

Ranch home with custom kitchen, 4-season room off primary bedroom, inground pool and finished lower level.

BARB MAXON D EDI CAT ED

T O

C UST OM E R

S E R V IC E

ABR, CNE, CRS, GRI, REALTOR®

( 7 1 2 )

2 5 3 - 3 6 4 7

Office: (712) 224-2300 bmaxon@c21prolink.com 1114 4th St., Sioux City, IA 51101 Licensed in IA, NE, & SD

1114 1114 4th4th Street Street, Sioux City, IA Sioux City, IA 51101

www.BarbMaxon.com

bmaxon@c21prolink.com

tiffany@c21prolink.com

khoward@c21prolink.com

CALL TIFFANY | NEW LISTING | 712-898-3638 ACREAGE | $435,000

4409 CORRECTIONVILLE ROAD

Two-story home with 4 bedrooms, 3 bathrooms all on 3.17 acres.

CALL TIFFANY | 712-898-3638 MORNINGSIDE | $825,000 5003 OLD LAKEPORT ROAD

Two-story home with 6 bedrooms, 4.5 bathrooms and 7 garage spaces on 2.27 acres.

CALL TIFFANY | 712-898-3638 NORTHSIDE | $549,000 4870 SKYLINE DRIVE

This fully-renovated home with 3,424 sq. ft. has a classy design with 5 bedrooms, 3 bathrooms, a 2-car garage and sits on .36 acres with a private fenced backyard.

CALL BARB | 712-253-3647 NORTHSIDE | $450,000 3639 LINDENWOOD STREET

Sitting on a .97-acre lot with inground pool, this 3-bedroom, 3.5-bathroom ranch home features original charm in its formal and informal living areas.

CALL BARB | 712-253-3647 WOODBURY HEIGHTS | $425,000 631 BRENTWOOD STREET

Gently lived in 4-bedroom, 3-bathroom split-foyer home with a 2-car garage on a corner lot. Tax abatement.

CALL BARB | 712-253-3647 ACREAGE | $425,000

COMMERCIAL LOTS33197 FOR GYPSUM SALE: 1800 BLK HWY 20, LAWTON: AVENUE PropertyJust surrounds Hobart ofwith Hwy a20.GC landlower • approx. 67 acres off C-80 is thissales. ranchS’side home finished level, a 2-car attached garage and a 30 x 24 detached garage, lawn shed and play house all sitting on 1.24 acres.

CALL BARB | 712-253-3647 HINTON | $425,000 502 TITAN ROAD

This rambling ranch that sits on .34 acres will fit the needs of most buyers with its formal and informal living areas, new kitchen, updated master bathroom, finished lower level and a large garage.

FARM LAND FOR SALE

1800 HWY 20, LAWTON: Approx. 51 acres, most tillable. 1700 HWY 20, LAWTON: 35.05 acres Currently cash rent. Also has been approved for commercial sites.

Dedicated to Customer Service CALL TIFFANY | 712-898-3638

WOODBURY HEIGHTS | $412,500 4036 NORMANDY STREET

With an acceptable offer, Seller agrees to credit the Buyer, at time of closing, $5,000 toward Buyer closing costs and/or rate buydown. This credit coupled with the tax abatement brings big savings to the Buyer!

CALL BARB | 712-253-3647 DAKOTA DUNES | $409,900 420 N. ROYAL TROON DRIVE

Lots of updates done in this 1.5-story home with 3 bedrooms, 3 bathrooms and a 2 -car garage that sits on a cul-de-sac. No water in 2011.

CALL BARB | 712-253-3647 SOUTH SIOUX CITY | $350,000 104 E. 4TH STREET #15

This newer townhome in Cottonwood Landing has 3 bedrooms, 3 bathrooms, a 3-car garage and a finished lower level.

CALL BARB | 712-253-3647 MORNINGSIDE | $305,000 2937 S. MARTHA STREET

Lots of extras in this 3-bedroom, 3-bathroom split-foyer home with a master suite, enclosed hot tub and great fenced backyard.

CALL BARB | 712-253-3647 MORNINGSIDE | $300,000 4404 RAVINE PARK DRIVE

This 4-bedroom, 3-bathroom walkout ranch home has a 2-car garage and sits on a level lot with a fenced backyard. Living room and family room both have electric fireplaces.

CALL BARB | 712-253-3647 MORNINGSIDE | $300,000 1000 S. ST MARY’S STREET

Ranch home with 3 bedrooms, fenced yard, inground pool, 2nd kitchen and rec room in lower level.

PENDING WHISPERING CREEK | $750,000 2561 INSIGNIA CIRCLE

Custom-built 4-bedroom, 3-bathroom, 3-car garage, walkout townhome with high-end finishes at the end of cul-de-sac with great views. Tax abatement.

PENDING MORNINGSIDE | $320,000 4612 HAWTHORNE DRIVE

Sitting on a level lot is this 3-bedroom, 3-bathroom ranch home with a 2-car garage.

NEW LISTING

920 WRIGHT AVE. SIOUX CITY, IA

310 HELMER ST. SIOUX CITY, IA

1614 W. 28TH ST. SIOUX CITY, IA

2 BED • 1 BATH • $125,000

3 BED • 1 BATH • $115,000

2 BED • 1 BATH • $110,000

1114 4th St., Sioux City, IA

712.301.6329

bwillett@c21prolink.com Licensed in IA, SD & NE

WWW.SIOUXLANDREALESTATEGUIDE.COM

712.454.9625

joakley@c21prolink.com Licensed in IA

SOMETHING FOR EVERYONE! SEE YOU SUNDAY!

5 bedroomsSPACIOUS | 2 bathrooms | $290,000 INSIDE & OUT

RIVERFRONT PROPERTY

OPEN SUNDAY 12 - 1

OPEN SUNDAY 1:30 - 2:30

1821 B St. South Sioux City, NE

13 Edgewater Ln. Riv-R-Land Estates, SD

3 bedroom | 2 bathroom | $225,000

3 bedroom | 3 bathroom | $500,000

Storybook home! 1821 B Street is a large bungalow-style home which sits on a beautiful oversized corner lot in South Sioux City, Nebraska.

This 3-bedroom ranch home had a complete remodel in 2012 and has an inground pool, a 2-car garage and sits on 2 lots.

5 bedrooms | 2 bathrooms | $290,000 CONDO

14 Terra Alta Ct. Sioux City, IA

1 bedroom | 1 bathroom | $92,000

5 bedrooms | 2 bathrooms | $290,000 CONDO

206 Prairie Bluff Dr. Sergeant Bluff, IA

3 bedroom | 2.5+ bathroom | $279,950

5 bedrooms | 2 bathroomsMULTI-UNIT | $290,000

1625-27 Douglas St. Sioux City, IA

3-Apartment Multi-Unit | $189,500

LISA SISSEL 712.253.6313

lsissel@c21prolink.com CRS | REALTOR®

1114 4TH ST., SIOUX CITY, IA 51101 LICENSED IN IA, NE, SD

I’ve got the listing you’re looking for! 100 W. Creek Dr. Lawton, IA

1724 La Plante Ave. Sioux City, IA

OPEN SATURDAY 3 - 4

NEW PRICE OPEN SUNDAY 12 - 1

3 BEDROOM

3 BATHROOM

3-STALL

2 BEDROOM

2-STALL

1 BATHROOM

3,150 sq. ft. $435,000

1,806 sq. ft. $185,000

This spacious ranch home in bedroom community of Lawton, Iowa features 1,950 sq. ft. on the main floor. Features a reading/computer nook just to the left of the living room with open concept to the dining area and kitchen. Extra lot with shop/garage.

Situated on a large, flat, corner lot in Riverside, this 2-bedroom brick ranch is ready for new owners!! Enjoy the quiet sitting porch on the front of the home before you cozy up next to the brick fireplace inside.

1113 18th St. Sioux City, IA

4216 Perry Way Sioux City, IA

OPEN SUNDAY 1:30 - 2:30

PENDING

5 BEDROOM

2 BATHROOM

2-STALL

2,256 sq. ft. $155,000 There’s a bunch of room for you to spread out in this 2-story home in Midtown Sioux City!

7 BEDROOM

7.5 BATHROOM

POOL

3-STALL

5,782 sq. ft. $875,000 Sprawling executive ranch with inground pool, gorgeous cabana with updated kitchen, 7 bedrooms, 7.5 bathrooms, accessible with accessible bedroom suite.

Jessica Shook

REALTOR® jshook@c21prolink.com | 712.490.4814 JessicaShookC21.com | Licensed in IA, NE & SD

24636 # C80, SIOUX CITY, IA 40-ACRE LOT. $950,000 This 40-acre farm is located in Plymouth County as it abuts into Woodbury County. A great place to develop a neighborhood of homes or an industrial park. There is a little old farm house that is given no value in the pricing of the land with a tenant. Do not drive to house. The 2023 crop belongs to the seller. The ground is a variety of silt loam. The address of Little House is 24567 340th St. $23, 750 per acre. Listing agent is related to seller.

COMMERCIAL & LAND OPPORTUNITIES AVAILABLE! FOR LEASE $2,800/MONTH

PENDING

1386 220TH ST., SERGEANT BLUFF

1400 PIERCE ST., SIOUX CITY

THE AGENT WHO CAN SELL YOUR REAL ESTATE! Michele Ivener REALTOR ®

712-259-1189

ivenermich@aol.com Licensed in SD & IA 1114 4th St., Sioux City, IA 51101

Sweetwater Ct., Merrill, IA CHILLY OUTSIDE? 333 4 bed/3 bath/8-car garage BRING YOUR GATHERING INSIDE TO THIS AMAZING SPACE!

This stunning home is a WIN for luxurious amenities! Keep the entertainment going all year long. The lower level is perfect for watching the game and festive holiday parties.

$799,000 for House - 1 acre + parcel OR $1,295,000 for House - 7 acres with shed

LISA CROSTON

BROKER

LICENSED IN IA, NE & SD LCROSTON@C21PROLINK.COM 712.251.5214 NEW LISTING

5508 WINDSOR AVE., SIOUX CITY, IA $274,950 • 3 BD, 1.5 BA

582 OXBOW TRL., DAKOTA DUNES, SD $515,000 • 4 BD, 3 BA

527 KINGSTON CIR., SERGEANT BLUFF, IA $68,500 • .29 ACRES

NEW PRICE

PENDING

SOLD

2078 ROUNDTABLE RD., SERGEANT BLUFF, IA $335,000 • 3 BD, 2.5 BA

637 BROADMOOR ST., SIOUX CITY, IA $267,950 • 3 BD, 3 BA

706 E. ST. ANDREWS CIR., DAKOTA DUNES, SD $529,950 • 4 BD, 3 BA

1114 4th St., Sioux City, IA 51101

KJ WINGERT

PRISCILLA ANDERSEN

CHRISTINE STULTZ

BROOKE OLMSTEAD

JENNIFER ROSE BASS

712-253-7580 Sales Associate Licensed in IA & NE

712-898-8230 Lead Broker Associate Licensed in IA, NE & SD

712-899-8083 Sales Associate

712-266-5972 Commercial Lead Broker Associate

712-251-9905 Commercial Sales Associate Licensed in IA, NE & SD

WWW.SIOUXLANDREALESTATEGUIDE.COM

Licensed in IA, NE & SD

NEW LISTING

2637 S. Glass St. Sioux City, IA 2 bed • 1 bath $195,000

305 Petersen St. Cushing, IA 2 bed • 1 bath $85,000

3209 6th Ave. Sioux City, IA 4 bed • 1.5+ bath $245,000

117 Church St. Smithland, IA 3 bed • 2 bath $165,000

19282 140th St. Whiting, IA 3 bed • 1 bath $250,000

804 S. Westcott St. Sioux City, IA 3 bed • 2 bath $217,500

1852 Brady Ave. Holstein, IA 3 bed • 2 bath $375,000

320 W. Main St. Smithland, IA 3 bed • 1 bath $68,000

NEW LISTING! 318 Alderson St. Sloan, IA 3 bed • 2.5+ bath $345,000

Solid ranch-style home in the small town of Sloan, IA. Located within walking distance to the city park and splash pad.

SAVANNAH HINZE 1PercentListsDreamStreet.com EACH OFFICE IS INDEPENDENTLY OWNED AND OPERATED. LICENSED IN THE STATE OF IOWA. 403 Evans St., Sloan, IA

712.212.3977

savannah@1percentlists.com

PRSRT STD U.S. POSTAGE PAID Permit #7783 Mailed from zip code 57104-4877

10 TIPS FOR FIRST-TIME HOMEBUYERS Homeownership is at the center of our American dream. For most people, the ambition to own their own home is one of the most important goals in life. Here are some basic steps you need to take in order to qualify for a mortgage loan:

Get a copy of your credit report

Know your down payment options

Improve your credit score

Get pre-approved prior to shopping

See if you qualify for an FHA Loan

Hire an excellent real estate agent

Budget for all ownership costs

Know your debt-toincome ratio

Ask your Loan Officer about first--time homebuyer programs and grants

Don’t buy a car or extend credit

Call us today to discover your options. Down payment assistance is available!

Scenario based on 30-year fixed FHA, 3.5% down payment. The total loan amount with financed FHA mortgage insurance i rate and annual percentage rate are subject to change at any time without notice. The rate posted may vary depending on p payment, and approximate term. All loans are subject to approval. Any and all seller concessions are solely based on the sell conditions may apply.

Chad Thompson NMLS 488230 Loan Officer 712-330-8588 | chadt@vipmtginc.com chadthompson.vipmtginc.com

Mark Roos NMLS 418790 Loan Officer 712-490-3485 | markr@vipmtginc.com markroos.vipmtginc.com

1811 Hill Avenue; Spirit Lake, IA 51360 - 6111 Whispering Creek, Suite B; Sioux City, IA 51106. V.I.P. Mortgage, Inc. does Business in Accordance with Federal Fair Lending Laws. NMLS ID 145502. IA Mortgage Banker License 2020-0006. V.I.P. Mortgage, Inc. is not acting on behalf of or at the direction of the FHA/HUD or the Federal Government. This product or service has not been approved or endorsed by any governmental agency, and this offer is not being made by any agency of the government. V.I.P. Mortgage, Inc. is approved to participate in FHA programs but the products and services performed by V.I.P. Mortgage, Inc. are not coming directly from HUD or FHA. Information, rates, and programs are subject to change without notice. All products are subject to credit and property approval. Not all products are available in all states or for all loan amounts. Other restrictions may apply. This is not an offer to enter into an agreement. Not all customers will qualify.