Zeb & Heather Nicholson - RE/MAX Concepts

Zeb & Heather Nicholson - RE/MAX Concepts Helping people buy, sell & move with a little less stress and a lot more humanity.

Zeb & Heather Nicholson, REALTORS® | Twin Power Group Real Estate + RE/MAX Concepts | Cedar Falls, IA | Licensed in the State of Iowa.

Hint: this might be a mule, but they’re better known for 🍻
09/19/2026

Hint: this might be a mule, but they’re better known for 🍻

🎃
09/19/2026

🎃

OK, so we usually put them out on Friday… But we thought we would wait for the rain to make it more exciting today 😎 ...
09/19/2026

OK, so we usually put them out on Friday… But we thought we would wait for the rain to make it more exciting today 😎 ☔️☀️

09/19/2026

And henceforth, all Saturdays will now be referred to as Shenanigansday

When your name is printed on a small piece of plastic, it just feels good 😎
09/19/2026

When your name is printed on a small piece of plastic, it just feels good 😎

09/18/2026

Water can be problematic, but it doesn’t have to be

09/18/2026

Going under contract doesn’t mean the financing part is finished…

Between an accepted offer and closing day, your lender is still verifying your finances—and seemingly normal decisions can create extra questions, paperwork, or delays.

A few things to be especially careful about:

1. Opening new credit
That new credit card, furniture financing, or car loan can change your debt-to-income ratio and affect your loan approval.

2. Changing jobs or income
A job change isn’t automatically a problem, but your lender needs to know about it. Changes in employment, hours, pay structure, or income can require additional verification.

3. Moving large amounts of money around
Transferring money between accounts, receiving large deposits, or moving funds around right before closing can create a documentation trail your lender has to verify.

4. Sitting on lender requests
When your lender asks for a bank statement, pay stub, explanation, signature, or updated document, getting it back quickly helps keep everything moving.

5. Making a big purchase before closing
Furniture. Appliances. A vehicle. A bunch of stuff for the new house you technically do not own yet. 😅 Even if you can afford it, wait—or talk to your lender first.

The simplest rule?

Between offer and closing, don’t make a major financial move without checking with your lender first.

Most closing delays aren’t dramatic. They’re often paperwork, timing, or something that seemed completely harmless at the time.

Real estate for real life. Because it’s human.

Does your watch tell you what to do? 😎
09/17/2026

Does your watch tell you what to do? 😎

We’ve had so many guests all summer and the cooling temperatures sure aren’t slowing them down 🥰🐝🦋
09/17/2026

We’ve had so many guests all summer and the cooling temperatures sure aren’t slowing them down 🥰🐝🦋

Join us Sunday and Tuesday to tour these homes in D**e, Reinbeck, and Cedar Falls, each with their own unique features j...
09/17/2026

Join us Sunday and Tuesday to tour these homes in D**e, Reinbeck, and Cedar Falls, each with their own unique features just waiting for a new homeowner to discover 🫶

Address

4800 University Avenue
Cedar Falls, IA
50613

Telephone

+13199392169

Website

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