(641) 231-1412

Clear Lake IA Real Estate  Homes & Condos for Sale (641) 231-1412Clear Lake IA Real Estate Homes & Condos for Sale (641) 231-1412

Team Kopriva Real Estate - Real Estate Agent in Clear Lake, Iowa

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Choices That Will Affect Your Loan

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  • Mortgage term. Mortgages are generally available at 15-, 20-, or 30-year terms. The longer the term, the lower the monthly payment if the same amount is borrowed. However, you pay more interest overall if you borrow for a longer term.
  • Fixed or adjustable interest rates. A fixed rate allows you to lock in a low rate for as long as you hold the mortgage and is usually a good choice if interest rates are low. An adjustable-rate mortgage (ARM) is designed so that interest rates will rise as interest rates increase; however they usually offer a lower rate in the first years of the mortgage. ARMs also usually have a limit as to how much the interest rate can be increased and how frequently they can be raised. ARMs are a good choice when interest rates are high or when you expect your income to grow significantly in the coming years.
  • Balloon mortgages. Balloon mortgages offer very low interest rates for a short period of time – often three to seven years. Payments usually cover only the interest, so the principal owed is not reduced. However, this type of loan may be a good choice if you think you will sell your home in a few years.
  • Government-backed loans. Government-backed loans, sponsored by agencies such as the Federal Housing Administrationwww.fha.gov or the U.S. Department of Veterans Affairs www.va.gov, offer special terms, including lower downpayments or reduced interest rates – to qualified buyers.

Slight variations in interest rates, loan amounts, and terms can significantly affect your monthly payment. For help in determining how much your monthly payment will be for various loan amounts, use Fannie Mae’s online mortgage calculators.

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I have bought several homes in my life time. Jenny is the best Realtor that I have had the pleasure to work with. She has integrity that is hard to find in the Real Estate business. She will do research if she doesn't know something. She has a very quick turn around on all requests.

John Arnold

10 out of 5 STARS for JENNY and BOB KOPRIVA...and here is why... Our family of 5 needed to decide if we were going to move to Clear Lake, IA from our home town, Duluth, MN by February 1. We began looking at the Clear Lake community in October and we lived 5 hours away.

Chris and Martha Byrnes

Jenny helped me through a short sale of a home I truly wanted in Clear Lake. She did a tremendous job and I would recommend her to anyone buying or selling a home in Clear Lake. Thanks Jenny!

DWright

During my recent search and subsequent purchase of a condo in Clear Lake, Jenny Kopriva was extremely helpful throughout the entire process. Jenny was very knowledgeable of all available properties and was expedient in communicating any new properties that became available during my search process. Jenny was always available to answer any questions, and went

Steve Husome

Jenny Kopriva is a top notch professional and helped me from beginning to end in purchasing a home in Clear Lake. Her expertise in the market place, on-going communication, and exceptional guidance is unsurpassed and the best that I have worked with. I highly recommend Jenny for any real estate transactions and am confident the

Kim Windmuller

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Jenny Kopriva is a professional Clear Lake Realtor with a focus on Clear Lake Iowa Real Estate and Clear Lake Homes for Sale. Contact Jenny today with questions or to find your next dream home!

My Featured Listings

2401 North Shore Drive $1,150,000

2401 North Shore Drive Clear Lake, Iowa

5 Beds 6 Baths 3,564 Sq Ft 0 Acres

475 North Shore Drive 2C $670,000

475 North Shore Drive 2C Clear Lake, Iowa

3 Beds 3 Baths 2,052 Sq Ft 0.070 Acres

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Client Reviews

I have bought several homes in my life time. Jenny is the best Realtor that I have had the pleasure to work with. She has integrity that is hard to find in the Real Estate business. She will do research if she doesn't know something. She has a very quick turn around on all requests.

John Arnold

10 out of 5 STARS for JENNY and BOB KOPRIVA...and here is why... Our family of 5 needed to decide if we were going to move to Clear Lake, IA from our home town, Duluth, MN by February 1. We began looking at the Clear Lake community in October and we lived 5 hours away.

Chris and Martha Byrnes

Jenny helped me through a short sale of a home I truly wanted in Clear Lake. She did a tremendous job and I would recommend her to anyone buying or selling a home in Clear Lake. Thanks Jenny!

DWright

During my recent search and subsequent purchase of a condo in Clear Lake, Jenny Kopriva was extremely helpful throughout the entire process. Jenny was very knowledgeable of all available properties and was expedient in communicating any new properties that became available during my search process. Jenny was always available to answer any questions, and went

Steve Husome

Jenny Kopriva is a top notch professional and helped me from beginning to end in purchasing a home in Clear Lake. Her expertise in the market place, on-going communication, and exceptional guidance is unsurpassed and the best that I have worked with. I highly recommend Jenny for any real estate transactions and am confident the

Kim Windmuller

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ABOUT AGENT

Your Neighborhood Real Estate Expert – Serving North Central Iowa Focusing on Clear Lake and Mason City. As is often said, real estate is about location, location, location. We bring this same dedication and professionalism when offering our real estate services to you.



700 Buddy Holly Place
Clear Lake, IA 50428
Cell : (641) 231-1412

TESTIMONIALS

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Jenny took the time to get to know us and what we were looking for in a home. That made finding the perfect home in the best location so much easier. We felt comfortable and respected through the entire process. Jenny followed up after the purchase of our new home by inquiring about our satisfaction

Kate Richtsmeier

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