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At this time of Thanksgiving, our thoughts turn gratefully to you with warm appreciation.  
There is no better time to say Thank you.  We appreciate your business.  We cherish the opportunities you have given us to help you meet your real estate needs.  May the good things in life be yours in abundance not only at Thanksgiving but throughout the coming year.

First Time Home Buyers Savings Account

1stTimeHomeBuyersSavings.png Tired of living in that apartment or maybe worse yet, with your parents?

Thanks to a new law that recently passed in Iowa, people can now save for their down payment with a First Time Home Buyer Savings account. This savings account is dedicated for the purchase of a home in Iowa.

Starting in January 2018, people saving for a down payment on a new home in Iowa will be able to take advantage of the First Time Home Buyer Savings Account. This new program lets individuals or couples SAVE MONEY in a 10-year tax deductible savings account to go toward the purchase of a home in Iowa.
  • Individuals and couples qualify for this loan as long as they have not owned a home for the past three years.
  • Individuals or couples can open a dedicated savings account at any local bank, credit union, or any savings and loan institution for the purchase of a first home in Iowa.
  • Parents or grandparents can open an account for their children or grandchildren.
  • Interest earned on the account is not taxable, and the yearly tax deduction can be taken up to 10 times (max of 10 years).
  • Annual contributions have no limit, however, state income tax deductions are capped at contribution totals of $4,000 for married joint filers and $2,000 for all other filers.
Many people believe that they need to put 20% down to purchase a home. The average down payment is actually closer to 11%. In many cases, the down payment can be even lower than that.

This is not the only program available to assist with the purchase of your first home. Check out all options before deciding which fits you the best. Before you even start to look for a home - speak with a potential lender to find out what your credit score is and how much you can truly afford to spend on a home.

If you want to own a home, opening a First Time Home Buyer Savings Account is an important first step in making your dream a reality. To learn more about the First Time home Buyer Savings Account visit or contact Hunziker & Associates for help.


It's that time of year to start thinking about bundling up before heading outside. Hunziker & Associates, REALTORS want to help by collecting used coats.


Cool Weather Thermostat Tips

When it comes to the winter season everyone dreads the oncoming onslaught of heating bills. Some people keep their house in a frigid state worthy only of a snowman, but you don't have to be uncomfortable to save money on your heating bills this season!
  • You should invest in a programmable thermostat if you don't already have one. You will be able to save money when you are away from the house and when you're sleeping by keeping temps cooler. You won't even miss that heat!
  • You can also gradually lower the thermostat so that your body becomes accustomed to the new temperature.
  • If you do notice you're colder because you have lowered your thermostat, put on a sweater! Not only will you look fashionable, you'll be saving money. Double win!
  • Keeping your home cool while you sleep is actually good for you! It can help prevent bad dreams, helps keeps the air at a more comfortable humidity level which helps prevent nose bleeds, and can even help with insomnia!
So save money this season and turn your thermostat down a few degrees!

Visit the Hunziker Blog for more Thermostat Strategies.


November 2017 Area Events

Tyrannosaurs: Meet the Family
November 1 through 30
Science Center, Des Moines

Rebirth Brass Band
Thursday November 2 at 7:30 pm
Stephens Auditorium, ISU, Ames

A Little House Christmas
Friday November 3 at 7 pm, Every Friday in November
Saturday November 4 at 1 pm and 4 pm, Every Sat. and Sun. in November
Des Moines Playhouse, Des Moines

The Spell of Sleeping Beauty
Friday November 3 at 7:00 pm
November 4-5 2:00 pm
Friday November 10 at 7:00 pm
November 11-12 2:00 pm
Ames City Auditorium, 515 Clark Ave, Ames

36th Annual Santa's North Pole Village Craft Sale
Saturday November 4 at 9 am - 4 pm
3 Locations in Ankeny! Northview Middle School, Parkview Middle School, Prairie Ridge Middle School

Dr. Seuss: The Cat in the Hat
Wednesday November 8 at 10:00 & 12:30 pm
Stephens Auditorium, 1900 Center Drive Ames

The Des Moines Big Band w/ NYC Saxophonist Adam Larson
Wednesday November 8 at 7:00-10:00 pm
NOCE 1326 Walnut St, Des Moines

Caterpillar Club
Thursday November 9 at 10:00-11:00 am
Reiman Gardens, Ames

Junk Jubilee Jingles
Friday November 10 at 10:00 am-6:00 pm
Saturday November 11 at 10:00 am - 6:00 pm
Sunday November 12 at 10:00 am- 4:00 pm
Varied Industries Building, Des Moines

Snow Magic Kickoff
Friday November 10 at 5:00-8:00 pm
Main Street Cultural District, Ames

Champagne & Mistletoe
Friday November 10 at 5:00-8:00 pm
Uptown Ankeny

FOO FIGHTERS with special guests The Struts
Friday November 10 at 7:30 pm
Wells Fargo Arena, Des Moines, IA

Don Tjernagle Movie BRO's
Friday November 10 at 8:00 pm
Talent Factory, Nevada

Victorian Parlor Games
Saturday November 11 at 1:00-4:00 pm
Living History Farms, Urbandale

ABWA Craft Show
Saturday November 11 at 9:00 am- 5:00 pm
Sunday November 12 at 10:00 am-3:00 pm
Gates Hall & Nevada High School

Fall Floral Workshop
Sunday November 12 at 1:00-3:00 pm
Iowa Arboretum, Madrid

Monday November 13 at 6:30 pm
Living History Farms, Urbandale

Holiday Wreaths
Tuesday November 14 at 6 pm - 7:30 pm
Des Moines Botanical Gardens

Vienna Boys Choir
Tuesday November 14 at 7:30 pm
Stephens Auditorium, ISU, Ames

Callahan Promotions Arts and Crafts Show
Friday November 17 at 5 pm - 9 pm
Saturday November 18 at 9 am - 5 pm
Sunday November 19 at 10 am - 4 pm
Iowa State Fairgrounds, Des Moines

Holiday City Ride
Friday November 17 at 6:00 pm
506 East Sixth Street, Des Moines

Champagne & Chocolate
Friday November 17 at 6:00-9:00 pm
Des Moines Botanical Garden, Des Moines

Opening Day to Skate
Friday November 17 at Noon-11:00 pm
Brenton Skating Plaza, Des Moines

Forbidden Broadway
November 18-26
Actors, Ames Community Theater

Disney on Ice
Wednesday November 22 at 7:00 pm
Thursday November 23 at 6:00 pm
Friday November 24 at 3:00 pm & 7:00 pm
Saturday November 25 at 11:00 am & 3:00 pm
Sunday November 26 at 1:00 pm & 5:00 pm
Iowa Events Center, Des Moines

Jim McDonough and His Orchestra & Singers: "Holiday Grande 2017"
Sunday November 26 at 2:30 pm
Hoyt Sherman Place, Des Moines

Black Light Butterfly Roosting
Wednesday November 29 at 4:35-5:45 pm
Reiman Gardens, Ames

Lorie Line & Her Pop Chamber Orchestra: King of Kings
Thursday November 30 at 7:30 pm
Hoyt Sherman Place, Des Moines

Disney's The Little Mermaid
Friday December 1 at 7:00 pm
Des Moines Community Playhouse

A Christmas Carol 2017
December 1-2 7:30 pm
Sunday December 3 at 1:00 pm
Fisher Theater, Ames

Holiday Open House
Saturday December 2 at 10:30 am-1:30 pm
Terrace Hill, Des Moines

Christmas in Uptown
Saturday December 2 at 7:30 am
Uptown Ankeny

Iowa Arboretum WinterFest
Saturday December 2 at All Day thru December 17th
Iowa Arboretum, Madrid