641.664.2224

Davis County Realtors

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Davis County Realtors
105 E. Locust
Bloomfield, IA 52537
Phone: 641.664.2224
Fax: 641.664.3520

Licensed in the state of Iowa

Recent Blog Posts

  • Can I Afford a House Payment?

    February 25, 2020

    How much house can you afford?

    Evaluate your current monthly cash flow, decide just how big of a house payment you can swing. Realize it will include not just principal and interest but also property taxes and insurance. One rule of thumb suggests that your housing expense should stay between 25% to 36% of your take-home pay. So if your family brings home $5,000 per month after taxes, your mortgage payment, including taxes and insurance, should be between $1,250 and $1,800. Keep in mind, just because you can theoretically afford a higher house payment doesn't mean you should. Consider, too, that the size of your house will impact your bottom line well beyond your payment. For example, more rooms mean more furniture, more upkeep and higher heating and cooling costs. This is a great article from USAA.COM, if your thinking of buying a home go to their website and read the complete article. Read More

  • Why It Pays to Work With A Realtor

    January 30, 2020

    Are you thinking of buying or selling a home on your own? Consider all the steps you'll personally have to complete.

    • Determine how much you can afford
    • Price existing home without the input of a market expert
    • Check credit report
    • Arrange home and pest inspections
    • Negotiate terms of sale or purchase, including repairs or concessions
    • Find attorney to draft contract
    • Put existing house on market
    • Review and approve contract
    • Get signed contract to seller
    • Choose mortgage lender
    • Hire attorney or title company to complete closing research
    • Schedule appointments to show current home or to see new ones
    • Host open houses to sell existing home
    • Decide where to advertise to reach best potential buyers
    • Hire surveyor to survey property
    • Find home with all the features you want
    • Order title search
    • Investigate school system
    • Research neighborhoods and local amenities
    • Review and approve closing costs
    • Analyze comparable home sales and make offer on a new home
    Consider offers for current home
    • Conduct final walk-throughs of home
    • Meet home and pest inspectors for review of current home
    • Coordinate closing with lender, title company and customer
    • Review and sign closing document
    Whew! Are you tired yet? It pays to work with a realtor, helping you smooth the way.
    • Davis County Realtors will be glad to help to help in this process!!
    Read More

  • Winter Driving

    January 16, 2020

    Hey Friends, the weatherman says it is going to be an icy, snowy mix Friday! Here are some driving tips from AAA to help us all!

    Tips for Driving in the Snow

    • Stay home. Only go out if necessary. Even if you can drive well in bad weather, it’s better to avoid taking unnecessary risks by venturing out.
    • Drive slowly. Always adjust your speed down to account for lower traction when driving on snow or ice.
    • Accelerate and decelerate slowly. Apply the gas slowly to regain traction and avoid skids. Don’t try to get moving in a hurry and take time to slow down for a stoplight. Remember: It takes longer to slow down on icy roads.
    • Increase your following distance to five to six seconds. This increased margin of safety will provide the longer distance needed if you have to stop.
    • Know your brakes. Whether you have antilock brakes or not, keep the heel of your foot on the floor and use the ball of your foot to apply firm, steady pressure on the brake pedal.
    • Don’t stop if you can avoid it. There’s a big difference in the amount of inertia it takes to start moving from a full stop versus how much it takes to get moving while still rolling. If you can slow down enough to keep rolling until a traffic light changes, do it.
    • Don’t power up hills. Applying extra gas on snow-covered roads will just make your wheels spin. Try to get a little inertia going before you reach the hill and let that inertia carry you to the top. As you reach the crest of the hill, reduce your speed and proceed downhill slowly.
    • Don’t stop going up a hill. There’s nothing worse than trying to get moving up a hill on an icy road. Get some inertia going on a flat roadway before you take on the hill.
    • Visit their website to watch some very good videos on winter driving.
    • https://exchange.aaa.com
    Read More

  • Renewable Energy

    January 3, 2020

    Found a great blog on renewable energy. Did you know 8% of the worlds energy is produced by solar panels and wind turbines? Go this article to learn more. moxiworks.com/blogs/real-estate-technology-trends Read More

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