The Mortgage Corner with GreenState Credit Union – September edition

Did you recently get a tax bill from the county, and you are curious what that means for your mortgage payment. We’ll take a few minutes below to explain. If you have property taxes included in your monthly payment, then your mortgage company also got a copy of that bill and will prepare an escrow analysis to adjust your payment accordingly Just be sure you are escrowing, if not you are responsible for that tax bill. Let’s take a few minutes to explain what an Escrow Analysis is!

To understand what an escrow analysis is, we must first understand what an escrow account is. An escrow account is an account established at the time of mortgage closing to hold the property taxes

The Mortgage Corner with GreenState Credit Union – August 2026 edition

Finding the right mortgage lender can feel like embarking on a quest through a maze of financial
jargon and paperwork. All loans are created equal right? Wrong! Similarly, all mortgage lenders
are not created equal either. Each of us come with an arsenal of loan programs with different
rates and fees, but it’s equally as important that you are comfortable with whom you are getting
your financing from. Who is the person behind the desk that is helping you with one of the
largest financial investments of your lifetime?

With these five tips, you're sure to emerge victorious, loan in hand and homeownership dreams
within reach.

1. Ask for Referrals from Friends, Family, and Your

The Mortgage Corner with GreenState Credit Union: Summer buying season is in full swing!

The Mortgage Corner with GreenState Credit Union – July 2026 edition
Summer is one of the most active homebuying seasons, bringing more homes to the market
and more opportunities for buyers. But in a competitive environment, having the right mortgage
strategy can be just as important as finding the right home.
More Homes, More Opportunities

With more properties typically available during the summer months, buyers often have a wider
range of choices. Getting pre-qualified before you start shopping helps you understand your
buying power and shows sellers you're serious about purchasing a home.

Financing Options for Every Stage of Life
Whether you're buying

This home truly offers the perfect blend of style, space, and location - 4157 Omaha Ave., Waterloo

3 Bedrooms | 3 Bathrooms | 1,945 Square Feet | .12 Acres | $298,810

Listed by Mersiha Mustedanagic, 319.939.0730

Welcome home to this immaculate condo! This move-in ready condo offers a thoughtfully designed floor plan and low-maintenance living—just unpack and enjoy! Step inside to an open-concept main level featuring stylish vinyl plank flooring and abundant natural light. The modern kitchen is a showstopper, complete with newer granite countertops, added backsplash, updated appliances, ample cabinetry, and a center island with bar seating—perfect for entertaining or everyday living. The adjacent spacious living room provides a warm and

The Mortgage Corner with GreenState Credit Union – June 2026 edition : June is National Homeownership Month!

June is National Homeownership Month, a time to recognize the important role homeownership
plays in strengthening families, communities, and the economy.

Homeownership offers more than just a place to live — it provides stability, a sense of pride, and
the opportunity to build equity over time. It also strengthens communities by encouraging long-
term investment, local involvement, and neighborhood growth, helping create vibrant places for
future generations.

Whether you're thinking about purchasing your first home or considering a change to better fit
your family's needs, National Homeownership Month is a great time to start planning.

The Mortgage Corner with GreenState Credit Union – May 2026 edition: Who's Who in the Mortgage Process

Whether you’re a first-time homebuyer or a seasoned one, buying a home is a complex process and involves an
array of people. While your real estate agent and mortgage loan officer will be your primary points of contact,
there are others working behind the scenes to ensure a smooth process. Below is a helpful reference of the key
roles, from pre-qualification to closing day.

GreenState Team 

Loan Officer: Your GreenState Mortgage Loan Officer will work alongside you throughout the home buying process to help you choose the best loan program for your budget and needs. Our team knows purchasing a home is one of the largest financial decisions

A perfect blend of space, function, and rural living! 20509 290th St., Parkersburg

4 Bedrooms | 3 Bathrooms | 3,978 Square Feet | 10.38 Acres | $849,900

Listed by Meghan Wiedow, 319.340.1069

Escape to your own private retreat in this rare opportunity to own a fully furnished and truly unique acreage just outside of Parkersburg! Situated on nearly 11 acres across two parcels, this spacious home offers just under 4,000 square feet with 4 bedrooms and 4 bathrooms. You'll love the abundance of natural light and character. Outside features include a multi-level deck, an attached 3-stall garage, fully stocked pond, barn, shed, fruit trees, and private shooting range. A perfect blend of space, function, and rural living.

This property offers endless possibilities for living, working, and playing all in one place! 11145 Kimball Ave., Waterloo

3 Bedrooms | 4 Bathrooms | 3,492 Square Feet | 2.57 Acres | $574,900

Listed by Laurie Lynch, 319.310.8374

Stunning ranch home nestled on just over 2.5 acres of land on a hard surface road south of the Waterloo Crossroads area. Step inside to a spacious and thoughtfully designed main floor featuring a large kitchen with an island. Just off the kitchen, you’ll find a convenient laundry room with washer and dryer, along with a half bath. The kitchen flows seamlessly into a generous dining area and an oversized living room with great storage, creating an inviting atmosphere. The main floor also includes a private primary

The Mortgage Corner with GreenState Credit Union - April Edition:

How to Buy and Sell Simultaneously With Ease!

Buying or selling a home can be stressful. It's not just about finding the perfect property to move into or
finding the right buyer for your current home; it's about timing it right, qualifying for loans, and
managing finances. And when these two significant life events happen simultaneously, the stress can be
overwhelming. But don't fret. With the right preparation and guidance, you can navigate through this
process smoothly. Here are a few tips to think about as you consider your next home purchase.

Getting Your Finances in Order
The first step in this journey is to get your finances in order. This includes understanding your

The Mortgage Corner with GreenState Credit Union – March 2026
A Win for Homebuyers: How the New Credit Inquiry “Trigger Lead” Law Helps Mortgage
Borrowers

Buying a home is one of the most exciting financial steps a person can take—but until recently, starting
the mortgage process often came with an unexpected downside. The moment a lender pulled a
borrower’s credit for a mortgage application, that inquiry could trigger the credit bureaus to sell the
consumers’ information to other lenders, leading to a flood of unsolicited calls, texts, and emails.
Now, a new federal law is changing that experience for the better.

What the New Law Does
The Homebuyers Privacy Protection Act, which took effect in March 2026, significantly restricts the
sale of