Gloria J. Ruesch, CRS, ABR, CNE, GRI, SRES, e-Pro, CBR, Broker Associate
NP Dodge Real Estate
Council Bluffs, Iowa

I want to help you find a HOME, not just a house.

You deserve an agent who has taken the time and effort to learn what you really want and how to work for YOUR interests as a home buyer.

As a Buyers Agent with the ABR, CRS, and GRI designations I am a specialist in representing home buyers in all phases of the transaction. My specialized knowledge and expertise in assisting home buyers will insure that you are getting the best Agent possible!

As a home buyer you have a lot of questions, and you need straightforward, accurate answers provided by an expert who will LISTEN to you, and who will protect YOUR interests.

As a Buyer's Agent, my first priority is to get to know you. I cannot give you what you want unless I learn what your wants, needs, and dreams are. I ask a lot of questions. I am dedicated to making YOU happy with your real estate purchase.

Our counseling sessions are not just about property. By the time we are done, I will know about your wants, needs, jobs, children, pets, dreams, fears and goals, as well as how prepared your are to buy a home.

I will help you determine what you need at the moment and I will learn how I can best help you in reaching that goal. Just as every home is unique, so are the needs of each individual. Some common concerns are "I need to live close to a hospital", "I need additional information on schools in the area", "I need to know for sure that you will stay in my price range", "I would like some addresses of houses to drive by and look at", or even "I just need someone to hold my hand, because this stuff is scary!"

Whatever concerns you have you will be addressed, and together we will search for a solution.

Look for ABR, CRS, GRI after the Agents name!

ABR (Accredited Buyer Representative) assures you that I have the specialized buyer representation training needed to help you find the right home.

CRS (Certified Residential Specialist) and GRI (Graduate, Realtor Institute) means I am committed to being the very best agent I can be. (Less than 5% of Realtors have earned the GRI designation but these same agents participate in 25% of the real estate transactions.)

Serving home buyers in:
IOWA: Council Bluffs, Crescent, Glenwood, Mineola, Minden, Neola, Silver City, Treynor, Underwood.
NEBRASKA: Bellevue, Elkhorn, LaVista, Omaha, Papillion, Iowa

More About Professional Designations And Why They Are Important To You
What Are Fiduciary Duties And Why Are They Important?
The Secret Big Corporations Have Known For Years
Our Standards Of Practice - Exactly What We Will Do For You
What Others Say About Buyer Agency
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Please fill out this inquiry form and I will contact you.

Gloria J. Ruesch, CRS, ABR, CNE, GRI, SRES, e-Pro, CBR, Broker Associate
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Tips For Home Buyers

Why A Home Is A Good Investment

As a general rule, homes appreciate about 3 to 5 percent a year. Some years will be more, some less. The figure will vary from neighborhood to neighborhood, and region to region.

3 percent may not seem like that much. Other investments such as stocks or treasury bills might offer a higher interest rate.

But take a second look.

Let's look at one example.

If you buy a $200,000 home, and put as much as twenty percent down that would be an investment of $40,000.

At an appreciation rate of 3% annually, a $200,000 home would increase in value $6,000 during the first year. At 5% annually, a $200,000 home would increase in value $10,000 during the first year. That means you earned between $6,000 and $10,000 with an investment of $40,000. Your annual "return on investment" would be somewhere between 15% and 25%. Sounds like a pretty good rate of return doesn't it?

Of course, you will be making mortgage payments and paying property taxes, along with a maintenance costs. However, since the interest on your mortgage and your property taxes are both tax deductible, the government is essentially subsidizing your home purchase.

You have to pay to live somewhere anyway, why not get something in return for that monthly payment?

NP Dodge Real Estate, 1032 Woodbury Avenue, Council Bluffs, IA, 51503 is a licensed Iowa and Nebraska Real Estate Brokerage, Gloria J. Ruesch, Broker.

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