Dave Pepin's Family - Black and White

ABOUT DAVE

Licensed Residential Agent

Dave is an award-winning, top-producing REALTOR with experience. His unwavering commitment to his clients, contagious enthusiasm and determination drive him to be at the forefront of the real estate industry.

A licensed residential agent that specializes in the local market, he is a leading expert not only in Siouxland luxury neighborhoods and lifestyle, but also quality residential resources for home improvement and maintenance. He is consistently one of Siouxland’s Top Realtors.

Bringing to the table a thorough knowledge of current market conditions and unparalleled marketing tactics, Dave is committed to use his expertise and fantastic team to guide his clients through all transactions with the least amount of stress and anxiety as possible.

Before entering into real estate, Dave spent quite a few years as a teacher and performer. An “I’ll try anything once” attitude has taken him on many adventures. While attending Morningside College, Dave took full advantage of his surroundings; gigging musician, engaging his competative side playing tennis, golf and basketball and in his love of movies and theatre. Upon completing his degree in Music Education at Morningside, Dave moved and taught in different Iowa locales; Pocahontas, Sloan, Center Point, and finally Oelwein. After a few years away, it was time to move back to Sioux City, where his wife Stacie grew up and still has family. It was in 2012 that they both agreed to return to their roots and offer the same opportunities for their children in Siouxland.

What Sets Us Apart

You’ve found your dream home.
Find out why sellers and buyers choose Dave to make it a reality.

United Real Estate Solutions opened it’s arms to this motivated team, however they were no strangers to this amazing area. Stacie had grown up in Sioux City and attended East High School before attending Morningside where she and Dave met. And Dave has been at college, performing, teaching or visiting Siouxland since 1997.

Currently, the couple is enjoying their chaotic household with their beautiful girls, Mary and Nora, and a snuggly golden retriever, Miles. Today they enjoy their passions for traveling, the outdoors, and music.

Credentials

Dave has sold over 230 homes since 2012. Over one per week. He is a full-time agent and dedicated to helping you find your dream in an industry where most agents are part time and working for themselves. Dave has been a Top Producer every year he has been an agent.

Awards

United Real Estate Solutions Top 10 Producing Agents 2012-2016
URES Top Achievement Associates Gold Award 2013
URES Top Achievement Associates Diamond Award 2014
URES Top Achievement Associates Presidents Award 2015
URES Top Achievement Associates Presidents Award 2016

Why You Need Me on Your Side

88 Possible Types of Turbulence or Stunts We could encounter…

The Buyer / Borrower:

1. Does not tell the truth on the loan application.

2. Submits incorrect information to the lender.

3. Has recent late payments on credit report.

4. Found out about additional debt after loan application.

5. Borrower loses job.

6. Co-borrower loses job.

7. Income verification lower than what was stated on loan application.

8. Overtime income not allowed by underwriter for qualifying.

9. Applicant makes large purchase on credit before closing.

10. Illness, injury, divorce or other financial setback during escrow.

11. Lacks motivation.

12. Gift donor changes mind.

13. Cannot locate divorce decree.

14. Cannot locate petition or discharge of bankruptcy.

15. Cannot locate tax returns.

16. Cannot locate bank statements.

17. Difficulty in obtaining verification of rent.

18. Interest rate increases and borrower no longer qualifies.

19. Loan program changes with higher rates, points and fees.

20. Child support not disclosed on application.

21. Borrower is a foreign national.

22. Bankruptcy within the last 2 years.

23. Mortgage payment is double the previous housing payment.

24. Borrower/co-borrower does not have steady 2-year employment history.

25. Borrower brings in handwritten pay stubs.

26. Borrower switches to job requiring probation period just before closing.

27. Borrower switches to job from salary to 100% commission income.

28. Borrower/co-borrower/seller dies.

29. Family members or friends do not like the home buyer chooses.

30. Buyer is too picky about property in price range they can afford.

31. Buyer feels the house is misrepresented.

32. Veterans DD214 form not available.

33. Buyer has spent money needed for down payment and closing costs and comes up short at closing.

34. Buyer does not properly “paper trail” additional money that comes from gifts, loans, etc.

35. Does not bring cashier’s check to title company for closing costs and down.

The Seller:

36. Loses motivation to sell (job transfer does not go through, reconciles marriage, etc.)

37. Cannot find a suitable replacement property.

38. Will not allow appraiser inside home.

39. Will not allow inspectors inside home in a timely manner.

40. Removes property from the premises the buyer believed was included.

41. Is unable to clear up liens against their property short on cash to close.

42. Did not own 100% of property as previously disclosed.

43. Thought getting partners signatures were “no problem,” but they were.

44. Leaves town without giving anyone Power of Attorney.

45. Delays the projected move-out date.

46. Did not complete the repairs agreed to in contract.

47. Seller’s home goes into foreclosure during escrow.

48. Misrepresents information about home & neighborhood to the buyer.

49. Does not disclose all hidden or unknown defects and they are subsequently discovered.

50. Builder miscalculates completion date of new home.

51. Builder has too many cost overruns.

52. Final inspection on new home does not pass.

53. Seller does not appear for closing and won’t sign papers.

The OTHER Realtor(s):

54. Have no client control over sellers.

55. Delays access to property for inspection and appraisals.

56. Does not get completed paperwork to the lender in time.

57. Unfamiliar with their client’s financial position – do they have enough equity to sell, etc.

58. Inexperienced in this type of property transaction.

59. Takes unexpected time off during transaction – can’t be reached.

60. Jerks around other parties to the transaction – has huge ego.

61. Does not do sufficient homework on their clients or the property and wastes everyone’s time.

Property:

62. Engineer will not approve septic system or well.

63. Inspection report reveals substantial damage and seller is not willing to fix or repair.

64. Home was misrepresented as to size and condition.

65. Home is destroyed prior to closing.

66. Home not structurally sound.

67. Home is uninsurable for homeowners insurance.

68. Property incorrectly zoned.

69. Portion of home sits on neighbors property.

70. Unique home & comparable properties for appraisal difficult to find.

The Escrow/Title Company:

71. Fails to notify lender/agents of unsigned or unreturned documents.

72. Fails to obtain information from beneficiaries, lien holders, insurance companies, or lenders in a timely manner.

73. Lets principals leave town without getting all necessary signatures.

74. Loses or incorrectly prepares paperwork.

75. Does not pass on valuable information quickly enough.

76. Does not coordinate well, so that many items can be done simultaneously.

77. Does not bend the rules on small problems.

78. Does not find liens or any title problems until the last minute.

The Appraiser:

79. Is not local and misunderstands the market.

80. Is too busy to complete the appraisal on schedule.

81. No comparable sales are available.

82. Is not on the lender’s “approved list.”

83. Makes important mistakes on appraisal & brings in value too low.

84. Lender requires a second or “review” appraisal.

Inspectors:

85. Too “picky” with conditions and “scares” the buyer.

86. Infuriates the seller.

87. Home inspector not available when needed.

88. Inspection reports alarm buyer and sale is cancelled.