Melissa Noel Realtor

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Melissa Noel Realtor KW Elite Agent, proudley serving buyers and sellers with expertise and personalized care in Dubuque, IA and surrounding area.

Happy Halloween from my corner of Dubuque! 🎃 Whether you're handing out candy, cozying up with a scary movie, or just so...
10/31/2026

Happy Halloween from my corner of Dubuque! 🎃 Whether you're handing out candy, cozying up with a scary movie, or just soaking in the fall colors — I hope your day is a treat. Stay safe out there tonight, neighbors! 👻

10/28/2026

It's Wednesday October 28, 2026 and here is your weekly real estate market update for Dubuque, IA and surrounding area.

10/19/2026

Here is your Monday market update for October 19, 2026. The numbers are in for the Dubuque area and it's looking like in we're in a seller's market over the last 90 days. -estate

10/13/2026

Your weekly market update is in. It's Tuesday, October 13, 2026 - the weather couldn't be better and the market is still Hot!

It's Wisdom Wednesday!
10/07/2026

It's Wisdom Wednesday!

10/05/2026

This took way longer than it should have! Happy Monday, here is your Monday Home Market info for October 5th, in the Dubuque, Iowa area.

Cool things happening in the DBQ area this weekend. It's a gloriously beautiful Friday in the tri-state area, get out an...
10/02/2026

Cool things happening in the DBQ area this weekend. It's a gloriously beautiful Friday in the tri-state area, get out and enjoy some classic Fall fun! For a full list and details, visit dubuque365.com

Dubuque Area CROP Hunger Walk
Saturday, October 3 @ 8 AM–Noon
Start at Dubuque Food Pantry, organized by Dubuque Area Congregations United (DACU). Walkers will go to 9 stops, either on their own or on a guided walk.

27th Shullsburg Cheesefest
Saturday, October 3 @ 9 AM–4 PM
Shullsburg, WI- A full day of cheese love, from the fireman’s breakfast to vendors, foods, crafts, and cheese tasting. Live music plus kids’ activities such as a milking contest, pedal tractor pull, and more. Enjoy a w**e, b**r, and cheese tasting! West Water St, Shullsburg, WI.

19th Galena Oktoberfest and After Dark
Saturday, October 3 @ 11 AM–10 PM
Depot Park (Galena, IL)
Bust out your lederhosen and dirndls! The family-friendly festival runs 11 a.m.–10 p.m. with Galena Oktoberfest After Dark kicking off at 6 p.m. The day will be filled with nonstop live music, wiener dog races, polka dancing (and lessons), German-style food and beverages, games and art activities for the kids, pet adoptions, art auction, and more!

Dubuque Symphony Orchestra: Classics 1: The Fire Within
Saturday, October 3 @ 7:30 PM
Sunday, October 4 @ 2 PM
Five Flags Theater

9th Annual Steeple Square Fest
Sunday, October 4 @ Noon–2 PM
Steeple Square
Enjoy a picnic lunch, ice cream, popcorn, games and prizes, inflatables, balloon artist, and petting zoo, plus police and fire vehicles on display with local organization tables. Free

09/28/2026

Here is your Monday Market update for Sept 28th, 2026 for the DBQ, IA area. Curious about your home equity and are looking to sell before the holidays, let's chat!

REALTOR EDITION: 👉THIS or THAT👈?It's the weekend and tomorrow is traditionally OPEN HOUSE 🏠 day in our market. Would you...
09/26/2026

REALTOR EDITION: 👉THIS or THAT👈?
It's the weekend and tomorrow is traditionally OPEN HOUSE 🏠 day in our market.
Would you rather attend an Open House or have your agent take you on Private Showings.
Both have their perks. Drop your comment below 👇 and your 'Why' if you want.

✨ REAL ESTATE WISDOM WEDNESDAY ✨“If I’m getting 100% financing, why do I still need money to buy the house?” 🏡Because yo...
09/23/2026

✨ REAL ESTATE WISDOM WEDNESDAY ✨

“If I’m getting 100% financing, why do I still need money to buy the house?” 🏡

Because your down payment and your closing costs are two different things.

Your down payment is the portion of the home’s purchase price that your loan does not cover.

So, if you qualify for 100% financing, your loan may cover the full purchase price—meaning no down payment is required.

But that does not automatically mean there will be no other expenses.

Closing costs are the expenses required to complete the purchase and set up your loan. Depending on the transaction, they can include:

✔️ Lender and loan fees
✔️ Appraisal
✔️ Title work and closing fees
✔️ Homeowners and flood insurance
✔️ Prepaid property taxes and insurance
✔️ Money collected to establish your escrow account
✔️ Other transaction-related expenses

You may also need money before closing for things such as your deposit and home inspection.

The good news? There may be ways to reduce what you bring to closing.

A seller may agree to pay some of your closing costs, you may qualify for assistance, or your lender may offer a credit—depending on the loan, the property and how the offer is structured.

Here’s today’s wisdom: 100% financing means your loan may cover 100% of the purchase price. It does not always mean you can purchase the home with zero dollars out of pocket.

Before you start shopping, ask your lender for an estimate of your total cash to close—not just your down payment. That way, you know what to prepare for before you fall in love with a house.

Have questions about how much you may actually need to purchase a home? Let’s talk through it and connect you with a trusted lender before you begin.

Follow for more real estate tips 😊

Melissa Noel, REALTOR® | Licensed in Iowa
📱 563.581.6497
✉️ [email protected]

KW Elite, 1Advantage | 2115 JFK Rd. Ste 105 Dubuque, IA

Address

2115 John F Kennedy Road
Dubuque, IA
52002

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 4pm

Telephone

+15635816497

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