The Mortgage Corner with GreenState Credit Union: Creating New Year’s Resolutions With Homeownership in Mind

A new year is the perfect time to set goals—and if homeownership is on your vision board, a few smart financial resolutions can bring you closer to the keys. Here are some simple but powerful ways to align your New Year’s resolutions with buying (and paying off) a home.

Pay bills on time.
Your payment history plays a major role in your credit score. Setting up reminders or automatic payments can help you stay consistent and lender-ready.

Keep credit balances low.
High credit card balances can impact your debt-to-income ratio and credit score. Aim to pay down balances and keep usage well below your limits.

Avoid opening new accounts

This charming home shines! 1916 Ashland Ave., Cedar Falls

4 Bedrooms | 1 Bathrooms | 1,735 Square Feet | .15 Acres | $232,500

Listed by Whitney Jones, 319.240.2611

There’s plenty of finished space in this charming 4-bedroom, 1.75-bath home located near bike trails, Hartman Reserve, and Cedar Heights Elementary. The main level features an open-concept layout filled with natural light, highlighted by a beautiful bay window, a wood-burning fireplace, and custom shelving. The spacious kitchen island provides the perfect spot for cooking or entertaining. Down the hall, you’ll find a full bath and two generously sized bedrooms. The lower level offers even more living space with a family room complete with a wet bar and refrigerator. You’ll also

Designed with modern living in mind! - 324 Post Oak Dr., Cedar Falls

4 Bedrooms | 2 Bathrooms | 1,608 Square Feet | .38 Acres | $299,900

Listed by Jordan Tranbarger, 319.530.9189

Welcome to this beautifully maintained 4-bedroom, 2-bathroom slab home built in 2020, perfectly situated on a spacious corner lot. Designed with modern living in mind, this home features an open concept layout that seamlessly connects the kitchen, dining, and living areas—ideal for entertaining or everyday comfort. Large windows fill the space with natural light, highlighting the contemporary finishes and cozy fireplace that serves as the heart of the home. The kitchen boasts ample cabinetry, a spacious pantry, and modern appliances, creating a perfect hub for family

We are answering the Top 5 Real Estate Questions Asked ChatGPT in 2025

Is now a good time to buy a house?

YES! It is always a good time to buy. Don't let the market dictate when you will buy a house. Buy a house based on your needs and lifestyle.  

How much house can I afford?

This will vary for each person. We recommend reaching out to a local lender to get the most accurate information for your price range.

What’s the difference between pre-approval and pre-qualification?

Pre-Approval: A verified approval from A bank or credit union stating that you have the ability to purchase a home. These are included when making an offer on a home or property.

Pre-Quantification: A quick estimate

Welcome to the home of your dreams in Cedar Falls! 1522 Pebble Stone Place, Cedar Falls

5 Bedrooms | 3 Bathrooms | 2,781 Square Feet | .44 Acres | $699,945

Listed by Justin Reuter | 319.939.5112

This stunning new construction ranch boasts an impressive 4 bedrooms on the main level, offering ample space and privacy for your family. The finished basement features a 5th bedroom, providing even more space for guests or a home office. Step inside to discover the luxurious finishes throughout the home. The spacious kitchen is sure to delight any chef with its elegant quartz countertops, providing plenty of workspace for meal prep and entertaining. The beautiful luxury vinyl plank flooring adds warmth and character to the space, while the tile

The Mortgage Corner with Greenstate Credit Union: Setting Homeownership Goals as We End the Year and Enter the New One

As the year winds down, many of us start reflecting on what we accomplished—and what we hope to achieve next. If buying a home is on your mind, this is the perfect moment to set clear, intentional homeownership goals. 

1. Reflect on Your Current Situation

Before setting new goals, take stock of where you’re starting.

How stable is your income? How much have you saved?

What worked well this year financially—and what didn’t?

2. Define Your “Why”

Homeownership is a big step, and knowing why you want to buy helps keep you focused.

Are you seeking stability? More space? An investment? A place of your own?

Top Real Estate Questions We Get Asked This Time of Year

As the year winds down, many buyers and sellers begin asking thoughtful questions about timing, market conditions, and what the next few months may bring. While the holiday season can feel like a pause button for real estate, it’s often a time filled with opportunity. Here are some of the top questions we hear this time of year—and the answers that help guide confident decisions.

Is now a good time to buy or sell, or should I wait until spring?

This is by far the most common question. While spring is traditionally busy, buying or selling now can come with advantages. Buyers often face less competition, and sellers benefit from serious, motivated buyers who are ready to make a move.

Don’t miss this fantastic Autumn Ridge home— 4329 Berry Hill Rd., Cedar Falls

5 Bedrooms | 3 Bathrooms | 2,876 Square Feet | .26 Acres | $464,900

Listed by Carl Ericson, 319.504.3640

Awesome Autumn Ridge offering! Welcome home to this beautiful 5 bedroom, 3 bathroom home nestled in the sought after Autumn Ridge neighborhood! Step inside and you’ll be greeted by an open concept floor plan designed for today’s lifestyle. The spacious and light-filled living room features stylish vinyl plank flooring and overlooks the backyard with serene views of the open field to the north. Flowing seamlessly from the living room is the large kitchen, complete with a center island, ample cabinetry, quartz countertops, and a striking tiled backsplash. Just off

Don’t miss out on this exceptional opportunity! - 2825 Autumn Woods Dr., Cedar Falls

4 Bedrooms | 3 Bathrooms | 2,97 Square Feet | .26 Acres | $635,000

Listed by Justin Reuter, 319.939.5112

Welcome to The Craftsman, a stunning new construction home by Skogman Homes in The Arbors. This brand-new floor plan features 3 bedrooms and a spacious office on the main floor, showcasing luxurious LVP flooring, quartz countertops, upgraded cabinetry, and an elegant electric fireplace. The lower level offers a large rec room, a 4th bedroom, and a 3rd bathroom, providing ample space for entertainment and guests. The home includes a 3-stall garage, ensuring plenty of storage and parking. Enjoy outdoor living with a large covered patio in the backyard,

Don't miss your chance to own this timeless retreat - 2802 Cottage Row Road., Cedar Falls

3 Bedrooms | 2 Bathrooms | 2,616 Square Feet | .82 Acres | $629,000

Listed by Stephen Jordan, 319.883.9169

Available for the first time in over 50 years, this stunning riverfront home offers a rare opportunity to own a piece of paradise along the serene banks of the Cedar River. Thoughtfully designed and beautifully maintained, the home boasts a generous and well-planned footprint, providing ample space for both everyday living and entertaining. Inside, you'll find multiple inviting living areas that cater to a variety of lifestyles—from cozy family gatherings to larger social occasions. One of the standout features is the expansive screened porch,