SREG122823

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

www.SiouxlandRealEstateGuide.com

DECEMBER 28, 2023 - JANUARY 3, 2024

guide

129 OAKMONT DR., SOUTH SIOUX CITY, NE

ALMA

4 BED • 2 BATH • $282,000

Charming Southridge Home For Sale!

Welcome to this impeccably maintained 4-bed, 2-bath residence boasting a double-car attached garage. Nestled in the sought-after Licensed in IA, NE & SD Southridge neighborhood, this home offers REALTOR® comfort, style, and convenience. Don’t miss the 712-204-1489 opportunity to make this your dream home! aldonsa1@hotmail.com Contact us for more details.

SALCIDO

Michels Communications Corporation 3800 W. Technology Cir., Ste. 102 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

Happy New Year! cardinalcityrealty.com | 402.494.5444

2023 SALES AWARDS

Cheri Bracht

Alma Salcido

Emily Brewer

712-259-0134

712-204-1489

402-241-7964

President

President

REALTOR®

Sales over $11 million

Co-Owner

Sales over $11 million

REALTOR®

Diamond Sales over $7 million

Debbie Larson

Alicia Larson

Gina Anderson

Omar Salcido

712-281-6685

712-259-5912

712-574-1703

712-204-0108

Diamond

Diamond

Platinum

Sales over $5 million

Sales over $5 million

Sales over $4 million

Broker/Owner

REALTOR®

REALTOR®

REALTOR®

Gold Sales over $1 million

Follow us on Instagram or like us on Facebook @cardinalcityrealty.com

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

129 OAKMONT DR. SOUTH SIOUX CITY, NE

2015 CASSELMAN ST. SIOUX CITY, IA

$282,000 • 4 BED • 2 BATH

$214,950 • 4 BED • 2 BATH

ALMA

SALCIDO

Licensed in IA, NE & SD

REALTOR® 712-204-1489 aldonsa1@hotmail.com

4

WWW.SIOUXLANDREALESTATEGUIDE.COM

OMAR

SALCIDO Licensed in NE

REALTOR® 712-204-0108 ossv01@hotmail.com

Merry Christmas & Happy New Year!

100 W. Creek Dr. Lawton, IA

OPEN SATURDAY 12 - 1 3 BEDROOM

3 BATHROOM

3,150 sq. ft. $425,000 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.

1724 La Plante Ave. Sioux City, IA

1113 18th St. Sioux City, IA

5 BEDROOM

2 BATHROOM

2-STALL

2 BEDROOM

1 BATHROOM

3-STALL

2,256 sq. ft. $145,000

1,806 sq. ft. $180,000

There’s a bunch of room for you to spread out in this 2-story home in Midtown Sioux City!

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.

Jessica Shook

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

The Most Reliable He Contrac tor in Sio ating ux City

24/7 Emergency Service

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

3 Gas or Oil Furnaces 3 Heat Pumps 3 Thermostats

PROUD TO SERVE ALL OF SIOUXLAND

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

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

NEW PRICE

ACCEPTED OFFER

6726 KINGSWOOD CT. SIOUX CITY, IA $585,000 • 4 BD, 3.5 BA

800 S. MARTHA ST. SIOUX CITY, IA $174,950 • 2 BD, 1.75 BA

PENDING

PENDING

SOLD

PENDING

5508 WINDSOR AVE. SIOUX CITY, IA $269,950 • 3 BD, 1.5 BA

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

582 OXBOW TRL. DAKOTA DUNES, SD $515,000 • 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

6

WWW.SIOUXLANDREALESTATEGUIDE.COM

Licensed in IA, NE & SD

Licensed in IA, NE & SD

NEW LISTING - HAPPY HOLIDAYS!

1232 BLACKHAWK CT., HINTON, IA 4 bed, 3 bath, $675,000

This stunning ranch home is located in the Blackhawk Ridge development in Hinton, IA. Situated on a friendly cul-de-sac, this home boasts 4 bedrooms, 3 bathrooms and countless upgrades throughout. You will be captivated by the tasteful living room with electric fireplace and large windows overlooking your new backyard oasis! Tile flooring and custom blinds throughout. Main level laundry.

Spacious kitchen offers pantry equipped with outlets to keep the counter free of appliances, quartz counters along with vast island equipped with outlets for all your potlucks and gatherings! Dining boasts large windows and walkout to upgraded covered balcony with glass railing and poured concrete that offers tranquil retreat to enjoy picturesque views of the landscaped backyard and pool.

More info/pics here - https://bit.ly/1232Blackhawk

madisonzellerrealty@ gmail.com 712.870.3024 Licensed in IA & NE

JESSE DERRICK

WE DO IT ALL!

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

REALTOR

®

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

SCAN TO SEE ALL OF MY LISTINGS! (712) 899-6813

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

realtorjessed@gmail.com Licensed in IA, NE & SD

CALL AND MAKE AN APPOINTMENT FOR A FREE CONSULTATION!

1114 4th St., Sioux City, IA

712.301.6329

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

8

712.454.9625

joakley@c21prolink.com Licensed in IA

WWW.SIOUXLANDREALESTATEGUIDE.COM

1114 4th St. Sioux City, IA

MULTI-UNIT 1625 Douglas St. Sioux City, IA

6 bedrooms | 2.5+ bathroom | $189,500

CUTE & COZY

CONDO LIVING

14 Terra Alta Ct. Sioux City, IA

206 Prairie Bluff Dr., Sergeant Bluff, IA 3 bedrooms | 2.5 bathrooms| $279,950

1 bedrooms | 1 bathrooms | $92,000

LISA SISSEL CRS | REALTOR®

712.253.6313 lsissel@c21prolink.com

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

YOUR MORTGAGE LENDING SPECIALISTS

DO YOU NEED HELP WITH CLOSING COST ASSISTANCE? WE’VE GOT YOU COVERED.

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

CONTACT TERESA DEWOLF AND PAULA BROWN TO TALK WITH THEM ABOUT ONE OF THE FOLLOWING LOAN OPTIONS:

• Conventional

• Construction • Refinance

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

• FHA • VA

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

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 | $950,000 2600 GLEN ELLEN ROAD

Acreage setting with 5.1 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 ACREAGE | $725,000 16998 305 STREET

Acreage lovers…here it is! This ranch home has 5 bedrooms, 3 bathrooms, a 3-car garage, has a 40’ x 60’ light form building and sits on 4.2 acres.

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 | 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 E D ICAT ED

T O

C US T 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 | 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 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 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.

CALL TIFFANY | 712-898-3638

WOODBURY HEIGHTS | $407,500 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 MORNINGSIDE | $375,000

AVENUE COMMERCIAL LOTS4755 FORMAYHEW SALE: 1800 BLK HWY 20, LAWTON: This walkout ranch home has 5 bedrooms, 2 updated bathrooms, Property surrounds Hobart sales. S’side of Hwy 20.GC land • approx. 67 acres Brazilian cherry floors, 4-season room, a 24’ x 30’ garage and sits on a ½-acre lot.

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.

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 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.

CALL TIFFANY | 712-898-3638 SERGEANT BLUFF | $250,000 409 MAUPIN LANE

Enjoy condo living in a 55+ community with this 2-bedroom, 2-bathroom ranch home with a 2-car garage.

PENDING LAWTON | $475,000 1971 HIGHWAY 20

Newer 2,000 sq. ft. ranch home with a 2-car garage and multiple outbuildings including Morton Building, steel buildings and a barn on 6.5 acres.

PENDING ACREAGE | $435,000

4409 CORRECTIONVILLE ROAD

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

PENDING

ACREAGE | $425,000 33197 GYPSUM AVENUE

Just off C-80 is this ranch home with a finished lower level, a 2-car attached garage and a 30 x 24 detached garage, lawn shed and play house all sitting on 1.24 acres.

PENDING 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.

SOLD

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.

SOLD

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.

The Company That Invented Sandless Refinishing!

712-574-4757 ShookHandyman.com

• REMODELS • BATHROOMS • FLOORING • MORE!

• KITCHENS • PAINTING • CARPENTRY

Get your FREE estimate today!

• Affordable Indoor & Outdoor Refinishing • Half the Cost of Sanding!

• Five-Year Warranty!

877-966-3360 • MrSandless.com

14

WWW.SIOUXLANDREALESTATEGUIDE.COM

906 Lowery Ave., Sanborn, IA .58-acre lot | $18,900 Nice .58-acre lot located on the golf course!!

Last one available in this area!

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

LI C E N S E D I N I OWA , NEBRASKA, S O U T H D A KO TA

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

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

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

OPEN HOUSES • OPEN HOUSES • OPEN HOUSES

SATURDAY, DECEMBER 30

OPEN HOUSE SATURDAY 12 - 1 100 W. Creek Dr. Lawton, IA - $425,000 3 bedroom, 3 bathroom Jessica Shook 712-490-4814 CENTURY 21 ProLink

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.

LIKE US ON FACEBOOK

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

DECEMBER 28, 2023 - JANUARY 3, 2024

17

WWW.COLDWELLBANKERABR.COM

712-255-7310

NEW LISTING - PENDING

411 S. Cecelia St. Sioux City, IA

$84,950

Two bedrooms, 1 bath, hardwood floors, full basement, mostly newer vinyl replacement windows.

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

2181 Old Hwy 141 Bronson, IA

$525,000

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

4811 Sunnybrook Dr. Sioux City, IA

$339,950

Amazing and ready to move into with many recent updated. Four bedrooms, 2 baths, finished full walk-out basement, double-attached garage.

ACREAGE

25852 L20 Soldier, IA

$220,000

Three bedrooms, 3 baths, 2-car attached garage and single detached.

All sitting on 2.71 acres

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

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

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

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

Joe Walker 899-5072 Licensed in IA

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

Dustin Kruse 899.7054 Licensed in IA

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

Donna Carlin 253-3432 Licensed in IA & NE

Kylee Hombs 253-9942 Licensed in IA, NE & SD

Katie irwin 899-3346 Licensed in IA & SD

1710 Jones St. Sioux City, IA

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

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

$199,000

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

307 S. 2nd St. Moville, IA

$172,000

Two bedrooms, 2 baths, eat-in kitchen, 3-season porch, finished basement, single-stall attached garage.

HAPPY NEW YEAR! NEW YEAR - NEW HOUSE! COME TO SOUTH DAKOTA WHERE EVERY DAY CAN BE A HOLIDAY!

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

ASK ABOUT CONTRACTOR CONCESSION!!

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

Quick possession!

Heated garage and concrete storm shelter

349B LAKESHORE DR. MCCOOK LAKE, SD $645,000 4 bedroom | 3.5 bath Waterfront with million dollar view!!

Well-maintained and lots of upgrades and updates.

ASSUMABLE LOAN BELOW 3% AVAILABLE TO QUALIFIED BUYER – CALL FOR DETAILS!!

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

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

NEW PRICE

2637 S. Glass St. Sioux City, IA 2 bed • 1 bath $185,000

3209 6th Ave. Sioux City, IA 4 bed • 1.5+ bath $235,000

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

1852 Brady Ave. Holstein, IA 3 bed • 2 bath $365,000

NEW PRICE! 315 Alderson St. Sloan, IA 3 bed • 3 bath $315,000

This acreage is stunning!!

4.74 acres with a detached 40’x60’ and 32’x32’ metal outbuilding.

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

YOU’LL LOVE YOUR NEW HOME SNOW MUCH. It’s that wonderful time of year again: the sound of kids having snowball fights and sledding, the fresh scent of pine, the making of warm family memories and the anticipation of a new year full of possibilities.

TERRY MULDER

Whether it’s a new home or a great remodel idea, Terry Mulder is the Sioux City mortgage lender that’ll provide you with a home loan experience to melt your heart.

Vice President Mortgage Loan Officer NMLS #442575

SIOUX CITY 1380 Hamilton Blvd.

Sioux City, IA 51103 712.255.1012 AMES / ANKENY / ARCADIA / CARROLL / COON RAPIDS COUNCIL BLUFFS / DENISON / FORT DODGE / HOLSTEIN / JEWELL NEVADA / POCAHONTAS / ROLAND / SIOUX CITY / WEBSTER CITY

Visit us at availa.bank.

MERRY CHRISTMAS! NEW PRICE

514 DIVISION ST. JEFFERSON, SD 2 BD, 2 BATH, $254,000 DUSTER HOFFMAN

5450 MILITARY RD. SIOUX CITY, IA COMMERCIAL, $390,000 DUSTER HOFFMAN

NEW PRICE

NEW PRICE

201 N. UNION ST. WESTFIELD, IA $165,000 JANEL PEARSON DUSTER HOFFMAN

107 8TH ST. N. MAPLETON, IA 7 BD, 7 BATH, $124,950 VICKI KOLLBAUM

1701 SUMMIT ST. SIOUX CITY, IA 4 BD, 3 BATH, $212,000 DUSTER HOFFMAN

NEW PRICE

NEW PRICE

14003 160TH ST. AKRON, IA 3 BD, 1.5+ BATH, $305,700 JANEL PEARSON

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

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

124 MAIN ST. MERRILL, IA COMMERCIAL, $219,900 RANDY KITTLER DUSTER HOFFMAN

1111 STARVIEW DR. HINTON, IA COMMERCIAL, $439,900 RANDY KITTLER DUSTER HOFFMAN

17948 K42 LE MARS, IA 3 BD, 2.5+ BATH, $285,000 JANEL PEARSON

NEW PRICE

1901 S. POMEGRANITE ST. SIOUX CITY, IA 2 BD, 1 BATH, $165,000 HANNAH SWANSON

4337-39 FILLMORE ST. SIOUX CITY, IA MULTI-UNIT, $219,900 RANDY KITTLER DUSTER HOFFMAN

NEW PRICE

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

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

PENDING

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

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

PENDING

PENDING

941 STARVIEW DR. HINTON, IA 2 BD, 3 BATH, $345,000 JANEL PEARSON

4341 HARRISON ST. SIOUX CITY, IA 2 BD, 1 BATH, $85,000 RANDY KITTLER DUSTER HOFFMAN

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

EACH OFFICE IS INDEPENDENTLY OWNED AND OPERATED

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

KIMBERLY

RANDY

DAWN

KATIE

KARLA

SHELLY

DUSTER

VICKI

JANEL

JESS

HANNAH

BRITTNI

DEKKERS

KITTLER

CONOVER

SLATER

HERTZ

GLISSMAN

HOFFMAN

KOLLBAUM

PEARSON

CROSS

SWANSON

STABEN

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

712-899-2549 712-635-0884 712-577-2129

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

APRIL MAHR NMLS ID #709687 5680 Sunnybrook Dr. Sioux City, IA 51106 712-224-5400

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

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

THE BENEFITS OF

Home Hunting IN THE

Winter

Although it might be cold outside, winter can be a great time to find a hot deal on a home.

Most people begin their house hunt in spring or summer for a variety of reasons: school is out, there is more time to look for a new house, and the warmer weather better accommodates for looking and moving. However...

Are you aware that winter can bring lower prices, a better chance of negotiating, fewer bidding wars, and even a faster homebuying process?

While there usually are fewer homes for sale in cold-climate states, from late fall through winter, there are good homes to be found and lots of reasons you might be able to negotiate the right deal.

Sellers might be more motivated. There could be a reason a house hits the market in winter. The seller might be moving out of state, or have other reasons they need to sell quickly.

This means more flexibility on the final selling price, or other terms such as negotiating appliances, repairs, or closing costs.

You might get more attention. With fewer people looking at homes in cold weather, you can expect the undivided attention of your real estate agent.

advantage by helping you focus your search. And with fewer buyers in the winter, you can take a bit more time to think things through, and maybe even avoid a bidding war on the home you finally choose.

See things in a different light. One drawback of house-hunting in winter is that you’ll probably see the yard at its worst – dead grass, no flowers, and bare trees. Look at it this way: If you love it then, just imagine how great it will look come spring! Looking at homes when it’s cold outside gives you a chance to see how well the furnace heats the house and how things like windows, and insulation keep the cold out.

Closing could be faster. With fewer homes being sold in the winter, you might find that the process of making the offer, to moving into your new home could go quickly. Approvals could move faster and moving companies probably have more open schedules.

Keep in mind that you can help speed any homebuying process by knowing what you can afford, being ready with a good down payment, and getting pre-approved for a loan.

Falling temperatures could be the perfect reason to heat up your hunt for the right home!

Cutting the clutter … and the competition. It’s likely you’ll find fewer homes to look at, but that can work to your

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

SIOUX CITY 2700 Hamilton Blvd.

Sioux City, IA 51104 712-224-4777 siouxcity@primebank.com

Local art helps cultivate a sense of cultural identity. Take time to appreciate the talents within our communities.

“Art is the only way to run away with� out leaving home.”

- Twyla Tharp

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

H A P P Y

N E W

3205 Jenning St. Sioux City, IA

1823 S. Clinton St. Sioux City, IA

4 BED • 1.5+ BATH

2 BED • 2 BATH

$168,000

Y E A R !

2527 S. Nicollet St. Sioux City, IA

$210,000

$249,900

2+ BED • 3 BATH

Lonnie Hohl LICENSED IN IA, SD and NE

712-259-0136

Lonnie@LonnieHohl.com LonnieHohl.com

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 · 28

WWW.SIOUXLANDREALESTATEGUIDE.COM

We’ve got the listing YOU’RE LOOKING FOR! NEW PRICE $1,056,000

$12 - $15/SQ.FT./YR NNN

705 Douglas St. Sioux City, IA

720 & 718 S. 2nd Ave. Sioux Falls, SD $150,000

TRIPLEX

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

2628 I Ave. Hubbard, NE Acreage 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

BROKER

605-232-1819

Luxury Home Specialist REALTOR®

brandi@jandmrealestate.com

par4kris@midamericags.com

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®

REALTOR®

REALTOR®

Country Club Estates The City of Elk Point Is committed to providing citizens with a safe community, effective quality services, and infrastructure of adequate means to meet present and future needs.

LOTS FOR SALE IN THE COUNTRY CLUB ESTATES ELK POINT, SD $23,500 - $55,000

Troy

DONNELLY

Broker/Auctioneer 712.899.3748 tdonnelly@iw.net LICENSED IN SD, IA & NE

Happy New Year!

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

1402 Country Club Dr. Elk Point, SD $337,000, 3 bed, 2 bath

1310 Country Club Dr. Elk Point, SD $309,000, 2 bed, 2 bath

Whether you are buying, selling, building, or simply considering

our team can help!.

132 Green Court Dr. Elk Point, SD $419,000, 5 bed, 3 bath

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.

500 Redbird Ln. South Sioux City, NE - $399,950 5 bedroom, 4 bathroom Liz Deurloo 712-490-5141 United Real Estate Solutions

1232 Blackhawk Ct. Hinton, IA - $675,000 4 bedroom, 3 bathroom Madison Zeller 712-870-3024 CENTURY 21 ProLink

2707 7th St. Sioux City, IA - $119,900 1 bedroom, 1 bathroom Joe Krage 712-251-4030 United Real Estate Solutions

Chris Krueger NMLS #447201

SIOUXLAND’S MORTGAGE EXPERTS

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

Jared Noteboom

NMLS #1207705 jnoteboom@mycentral.bank (712) 490-4722 Equal Housing Lender Member FDIC

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

2104 S. Lakeport St. Sioux City, IA - $160,000 2 bedroom, 1.5+ bathroom Nick Tramp 402-660-4686 United Real Estate Solutions

2315 S. Cleveland St., Sioux City, IA 2 bed • 2 bath • $169,000

Lots of opportunity here in this cute Morningside home. Listed as a 2 bedroom home, it does have two additional non-conforming bedrooms. Main floor has open kitchen and living area, both areas have newer light fixtures and vinyl flooring. Master bedroom and bathroom have been renovated in recent years.

JAMIE UPTON REALTOR® 712-266-5923 jamieupton@kw.com Licensed in IA & SD

Check out Siouxland s ’

One-Stop Source for

Open Houses New Listings

SCAN FOR LISTINGS!

Let Siouxland Real Estate Guide help you navigate your new home search! guide

34

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MARK

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

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

712.253.1449

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

140th St. Moville, IA

35.88-acre lot, $600,000

1517 W. 2nd St. Sioux City, IA

4 bed, 1 bath, $125,000

1806 Chicago Ave. Spirit Lake, IA

114 Dover St. Kingsley, IA

3 bed, 2 bath, $215,000

3 bed, 2 bath, $125,000

ACREAGE

39172 310th St. Kingsley, IA

4 bed, 1 bath, $298,000

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

10224 130th St. Sloan, IA

1.84-acre lot, $60,000

SOLD 4583 Whitetail Ct. Sioux City, IA NEW PRICE $439,000

4588 Whitetail Ct. 4586 Whitetail Ct. Sioux City, IA Sioux City, IA NEW PRICE $358,000 NEW PRICE $439,000

4589 Whitetail Ct. Sioux City, IA 1/2-ACRE LOT Approved for single family home or townhome $89,000

4572 Whitetail Ct. Sioux City, IA .31-ACRE LOT Approved for single family home or townhome $80,000

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

3440 WALNUT LN. SOUTH SIOUX CITY, NE 3 bed • 2 bath • $651,000

3340 WILLOW GARDENS SOUTH SIOUX CITY, NE 3 bed • 3 bath • $420,000

3344 WILLOW GARDENS SOUTH SIOUX CITY, NE 3 bed • 3 bath • $420,000

3660 PRAIRIE GROVE SOUTH SIOUX CITY, NE 2 bed • 2 bath • $399,000

CALL FOR YOUR BUYING & SELLING NEEDS!

BARB KIMMEL 712-251-4053

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

M E R RY C H R I S T M A S Wishing you the best of the season and a wonderful 2024!

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

38

WWW.SIOUXLANDREALESTATEGUIDE.COM

3725 Lindenwood St. Sioux City, IA 4 BED • 4 BATH • $489,950 Looking for space? This home has rooms for days!!

Nearly 4,000 sq. ft finished in this home.

Looking for a saltwater pool? Check! Fenced yard?

Check!! Great neighborhood? Check!

CALL FOR YOUR REAL ESTATE NEEDS!

712-635-5945

davepepin@myunitedagent.com 302 Jones St., Suite 100 Sioux City, IA

Licensed in IA, NE & SD Broker Associate

304 Ironwood St. Correctionville, IA $170,000

DAVE PEPIN

520 Willard St. Whiting. IA $375,000

2936 Pierce St. Sioux City, IA $130,000

PENDING

PENDING

33883 300th St. Hinton, IA $325,000

202 S. Harrison St. Elk Point, SD $215,000

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

4103 Perry Way Sioux City, IA $582,950

405 N. Royal Troon Dr. Dakota Dunes, SD $530,000

502 Zach Rd. Sergeant Bluff, IA $514,500

847 Brookside Dr. Jefferson, SD $504,900

500 Red Bird Ln. South Sioux City, NE $399,950

520 Willard St. Whiting, IA $375,000

3930 Fieldcrest Dr. Sioux City, IA $269,000

4016 Hiawatha West Sioux City, IA $249,000

2921 Nebraska St. Sioux City, IA $249,000

1505 Osage Ct. Sioux City, IA $239,000

210 Dover St. Kingsley, IA $175,000

304 Ironwood St. Correctionville, IA $170,000

601 Beall St. Sloan, IA $139,900

2936 Pierce St. Sioux City, IA $130,000

461 W. 7th St. Decatur, NE $112,000

216 Isabella St. Sioux City, IA $90,000

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

Wishing Siouxland a very happy and prosperous New Year!

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.

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

Lexi Chang 402-404-0225

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.

REALTOR® //////

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

712-251-1798 Licensed in IA & NE 1505 Osage Ct. Sioux City, IA $239,000 • 3 bed • 2 bath

461 W. 7th St. Decatur, NE $112,000 • 2 bed • 1 bath

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

ACREAGE - PRICE REDUCED

PENDING

PENDING

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

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

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

4016 Hiawatha W, Sioux City, IA 3 bed • 3 bath • $249,000

Cyndi Unger 712.251.4562

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

42

WWW.SIOUXLANDREALESTATEGUIDE.COM

7 BED, 4 BATH

5 BED, 5 BATH

4103 PERRY WAY

376 FIRETHORN TRL.

SIOUX CITY, IA

$582,950 $849,000

DAKOTA DUNES, SD

$809,900

NEW LISTING

2707 7TH ST. SIOUX CITY, IA 1 BED • 1 BATH $119,900

5425 BUSHNELL AVE. SIOUX CITY, IA 3 BED • 3 BATH $290,000 NEW PRICE

2305 S. ALICE ST. SIOUX CITY, IA 1 BED • 1 BATH $129,950

Joe Krage CBR

712-251-4030

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

Licensed in IA, NE & SD

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

601 BEALL ST. SLOAN, IA 4 BED • 2 BATH $139,900

Wishing you a

Magical Holiday!

“WHETHER YOU’RE BUYING, SELLING OR BUILDING, I’M YOUR TRUSTED ADVISOR IN THE REAL ESTATE BUSINESS!”

HANK Baker 712-490-6621

hankbaker@myunitedagent.com Licensed in IA and NE

302 Jones Street, Suite 100 Sioux City, IA 712-226-6000

500 Redbird Ln. South Sioux City, NE

New Listing

5 bed • 4 bath • $339,950 This home is a beautiful dream! It has 5 bedrooms, 4 bath, oversized 2-car garage!

Located on the end of a cul-de-sac in a beautiful neighborhood!

Sending warm wishes for a happy holiday from your neighborhood REALTOR®!

Liz Deurloo 712-490-5141

lizdeurloo@myunitedagent.com

Licensed in IA, SD & NE

lizdeurloo.unitedrealestatesolutions.com 302 Jones St., Ste. 100, Sioux City, IA

44

WWW.SIOUXLANDREALESTATEGUIDE.COM

405 N. ROYAL TROON DR. DAKOTA DUNES, SD 4 BED I 3 BATH I $530,000 Completely renovated walk out ranch home with views of the golf course in Dakota Dunes!

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

847 BROOKSIDE DR. JEFFERSON, SD

33240 GLEN DR. # 16 SIOUX CITY, IA

5 BED I 4 BATH I $504,900

7.02 ACRES I $269,995

Adam Stokes PENDING

PENDING 3101 EUCLID AVE. SIOUX CITY, IA

648 MONTEREY TRL. DAKOTA DUNES, SD

3 BED I 1 BATH I $117,000

3 BED I 3 BATH I $1,225,000

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

Nick Tramp

NEW LISTING

Associate

402-660-4686 LICENSED IN IA, SD & NE 302 Jones St., Suite 100 Sioux City, IA NICKTRAMP@MYUNITEDAGENT.COM NICKTRAMP.UNITEDREALESTATESOLUTIONS.COM

2104 S. LAKEPORT ST. SIOUX CITY, IA 2 BED • 1.5+ BATH $160,000

302 EAGLE AVE. ALLEN, NE

310 S. HWY 9 ALLEN, NE 4 BED • 3.5 BATH $250,000

3910 SMITH RIVER RD. SIOUX CITY, IA

210 DOVER ST. KINGSLEY, IA

$75,000

$175,000

3 BED • 1.75 BATH $182,500

2-ACRE LOT

Home is where your heart unwraps joy.

SHERYL FORD REALTOR® As always...it is my pleasure helping YOU! 712-212-4576 | sherylford@myunitedagent.com Licensed in IA, NE, AND SD 46

WWW.SIOUXLANDREALESTATEGUIDE.COM

3 BED • 2 BATH

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

THE PRICE OF HOUSING HAS INCREASED DRAMATICALLY! 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!

3324 ORLEANS AVE., SIOUX CITY, IA $189,950

3701 7TH AVE. • SIOUX CITY, IA $179,500

2312 S. CLINTON ST. • SIOUX CITY, IA $179,500

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

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

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

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

2024 CONFORMING LOAN LIMIT

766,550

$

This change brings positive news to homebuyers and homeowners.

Home buyers may be able to finance at a typically lower-rate loan, potentially with lower down payment requirements.

Current owners may be able to refinance a jumbo loan to a lower rate conforming loan and drop mortgage insurance.

Combining or avoiding smaller 1st and 2nd mortgages may now be an option to qualified applicants.

The increase reflects the growth in values over the past year and reaffirms your decision to invest in a home.

Loan limits for high cost areas may differ, contact our team to find out the loan limit for a specific area.

Contact me to find out more about this update and how this change may affect you.

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.