(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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8 Ways to Improve Your Credit

CreditCredit scores, along with your overall income and debt, are a big factor in determining if you’ll qualify for a loan and what loan terms you’ll be able to qualify for.

  • Check for and correct errors in your credit report. Mistakes happen, and you could be paying for someone else’s poor financial management.
  • Pay down credit card bills. If possible, pay off the entire balance every month. However, transferring credit card debt from one card to another could lower your score.
  • Don’t charge your credit cards to the maximum limit.
  • Wait 12 months after credit difficulties to apply for a mortgage. You’re penalized less for problems after a year.
  • Don’t purchase big-ticket items for your new home on credit cards until after the loan is approved. The amounts will add to your debt.
  • Don’t open new credit card accounts before applying for a mortgage. Having too much available credit can lower your score.
  • Shop for mortgage rates all at once. Too many credit applications can lower your score, but multiple inquiries from the same type of lender are counted as one inquiry if submitted over a short period of time.
  • Avoid finance companies. Even if you pay the loan on time, the interest is high and it will probably be considered a sign of poor credit management.

This information is copyrighted by the Fannie Mae Foundation and is used with permission of the Fannie Mae Foundation. To obtain a complete copy of the publication, “Knowing and Understanding Your Credit,” visit www.homebuyingguide.org

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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!

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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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Next >>

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.

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Jenny Kopriva

Broker Associate

Lakeside Brokers
314 N 7th St Suite 3,
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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