What Is Pre-approval?

Getting approved for a loan prior to your home search is a smart move that offers several advantages. It gives you a benchmark for how much you can afford, helping you narrow down your home search from the start. It also allows you to be taken more seriously in the bidding stage, which can help tremendously in your negotiations, especially when dealing with distressed properties.

Getting preapproved is simply a matter of your lender checking your financial situation and writing a letter stating that it would be willing to lend you a certain amount of money.

You'll need to assemble several documents to start the preapproval process:


 

• Federal tax returns for the last two years.
• W2s (or 1099 statements) for the last two years.
• Bank statements for the last two months.
• Recent pay stubs and proof of any other income.
• Proof of assets (stocks, mutual funds).
• Information about your current debts.
• Information about the source of your down payment, including gifts.

TIP
Don't open new credit card accounts or take on any new debt for at least six months (and even up to a year) before shopping for a mortgage

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Local Expert Updates

Matt Lippon

Cell: 712.330.0604

Greg Sheeler

Cell: 712.330.1573

Janie Eick

Cell: 712.339.0574

Brooke Jones

Cell: 641.420.2172

Community Updates

Okoboji Middle School

Okoboji Middle School in Arnolds Park

Okoboji Middle School is a place where we are Pioneering Pathways for Every Student. We focus on giving EVERY student access to a world-class education in small-town Iowa. We do this in three primary ways:

We employ staff who care deeply about the lives and learning of each student. From the classroom to the kitchen, we believe positive relationships between our staff and students form the foundation for all student learning.
We focus on preparing students with the competencies and skills needed to thrive in the world beyond our school. All teachers use a common language focused on developing the following five competencies in all our students:
Critical Thinking: The ability to incorporate key information to develop solutions to complex problems
Productivity & Accountability: Demonstrate initiative, self-direction, and personal responsibility to create quality results.
Complex Communication: Successful sharing of information with a clear message.
Collaboration: Respectfully working within a group to achieve a common goal.
Growth Mindset: The incorporation of creativity, unique thoughts, curiosity, and innovation in learning.
We focus on creating learning experiences to prepare our students to solve the problems of tomorrow. Nowhere is this more exemplified than in our Midmester Academy. Through our Midmester Academy, students spend over 120 days throughout their middle school career engaging in 24 real-world, interdisciplinary, problem-based courses. Their experiences culminate in an 8th Grade Capstone Project, where students showcase their middle school learning to a panel of peers, family, and faculty.

Please click HERE to access our Midmester Academy Handbook and Course Booklet.

We hope you will take to time to peruse the Midmester Academy Handbook Course Booklet and navigate our website to learn more about our school. Most importantly, we want you to know that if you are considering Okoboji Schools for your family, we would welcome the opportunity to give you a guided tour of our facilities, which will include a detailed exploration into the programming we offer our students. Please contact any of our school offices to set up a tour.

Yours in Education,

Ryan Cunningham
Okoboji Middle School Principal

Real Estate and MLS Homes For Sale in Arnolds Park

Ruthven Meat Locker

Ruthven Meat Locker in Ruthven

Ruthven Meat Locker is a local family owned business. Ruthven Locker at the Lakes is their 2nd retail store (with the original Meat Processing plant being a staple in the small town of Ruthven, Iowa). They are a full service meat shop providing their customers with excellent high quality cuts of beef & pork. Also provided are smoked meat snacks which they make right on site in Ruthven. Sure to please even the pickiest of palates! Ruthven Meat Locker prides themselves on promoting other local small businesses by selling them in our Spirit Lake store. You find everything from fine wood pieces to local honey, microgreens, baked goods, and delicious cheesecake. The Butcher’s Wife is always available to answer your questions and take special orders. Come on in and you’ll soon see that the rumors are true!

Real Estate and MLS Homes For Sale in Ruthven

Athletic Republic Spirit

Athletic Republic Spirit in Spirit Lake

Athletic Republic Spirit
1380 Lake St
Spirit Lake, IA 51360

Located behind Central Bank in Spirit Lake, just one block off of Hwy 9 and 71.

24 hour health club with free weights, machine weights, cardio machines, as well as kettle balls, battle ropes and more.

Athletic Republic and Levi Markwardt have developed a great reputation throughout the Iowa Great Lakes area for Adult personal training and Performance training for athletes.

Call for more info at 712-336-4040

Real Estate and MLS Homes For Sale in Spirit Lake

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