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Your Guide to Home Ownership

A Path to Home Ownership

Grants, Special Financing, Down Payment Assistance, Rehabilitation Programs, Financial Literacy and More!

A Path to Home ownership

Promoting Affordable Home Ownership Opportunities in the Cedar Valley

The Northeast Iowa Regional Board of REALTORS® promotes affordable home ownership opportunities within the Cedar Valley for low and moderate income individuals.

Whether you are a first-time home buyer, REALTOR® or lender, we hope the information informs you about grants, down payment assistance, rehabilitation programs, special financing options, post-purchase activities, financial literacy classes and other tools available in our area.

A home is a family’s largest asset and responsible home ownership helps provide stability and financial security.

The Northeast Iowa Regional Board of REALTORS® is committed to doing its part to help make access to home ownership opportunities available to all. We hope this information will be helpful to you as you plan and map your path to home ownership!

A Path to Home Ownership

  1. Learn about the home buying process.
    Attend homebuyer education classes through an agency.
  2. Choose a lender and get pre-approved.
    Make an appointment with a Loan Officer to assess your financial situation. Some of the items that you will need to provide to your lender include:
    • Current income documentation (e.g., paystub, W-2 form, tax return, SSI/SSDI)
    • Verification of assets (e.g., bank statements, retirement account verification)
  3. Start your search for a home.
    The home buyers and sellers should use a REALTOR®. REALTORS® can be very helpful in negotiating prices as well as navigating home buyers and sellers through all the steps of purchasing or selling a home.
  4. Submit an offer with the assistance of your REALTOR®.
  5. Work with your Loan Officer to obtain final loan approval.
  6. Attend the Closing.
    Share in the excitement and satisfaction of a positive buying or selling experience.
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