shop online at www.missourivalleyshopper.com January 26, 2016 • Page 7 What to Know about Applying for a Mortgage (StatePoint) Although homeownership doesn’t make good financial sense for everyone, some experts say you may be qualified to purchase real estate without realizing it. “Factor in today’s very low interest rates and current home prices, and affordable mortgages are within reach for many qualified borrowers who may have been hesitant to enter the market,” says Christina Boyle, senior vice president and head of single-family sales and relationship management at Freddie Mac. After receiving your application, along with the required paycheck stubs, W-2s, bank statements and tax returns, lenders will evaluate the four Cs: • Capacity: Your income, employment history, savings, and monthly debt payments -- such as credit card charges and other financial obligations -- help lenders determine whether you have the means to take on a mortgage comfortably. • Capital: The money and savings you have on hand, plus investments, properties, and other salable assets. “Getting pre-approved for a loan can help you shop with confidence.” If • Collateral: The value of the home that you plan to buy. • Credit: Your bill- and debt-paying record. More loan application tips can be found at myhome.freddiemac.com. “You have choices, so interview lenders to compare costs,” says Boyle, who also recommends getting the process started early. you read this you know... advertising pays! Call the Missouri Valley Shopper at 665-5884 or stop by to place your ad today! 319 Walnut St. • Yankton MV Shopper Looking for a MV Shopper M I S S O U R I VA L L E Y M I S S O U R I VA L L E Y NEW HOME? Check out JWTramp.com “WHEN I WAS LOOKING FOR A JOB, I PUT THE CLASSIFIEDS TO WORK!” Our Help Wanted Listings Have Hundreds Of Opportunities For You... • Full-Time • Part-Time • Permanent • Temporary Looking for a change? Come work for a progressive Agricultural company. Soil Works LLC is looking to fill a Custom Spray Tender position as well as a warehouse position in the Yankton office. Soil Works LLC is a chemical free agricultural company. We are a fast growing company and these positions have a lot of room for growth within the company. The positions are seasonal, but may be full-time for the right candidate. Both positions will be responsible for plant nutrient mixing according to labeled directions or recommendations along with transport of plant nutrients. Ideal candidates will have a passion for agro ecological farming practices and be self-motivated. Custom Spray Tender Qualifications: • • • • • • • • • Class A CDL Driver’s License Required Strong Agricultural background desired but not required Mechanically inclined Energetic Team Oriented but willing to work independently Ability to work nights and weekends a PLUS Time management skills a must Lifting requirement of 60 pounds Good sense of humor appreciated Warehouse Position Qualifications: 319 Walnut • Yankton, SD 605.665.5884 Do you have exceptional sales and customer service experience? Enjoy a challenging and rewarding career opportunity in a fun, fast paced environment, working for one of the most established media companies in the area? Must be willing to travel outside Yankton area, but no overnights. Employees receive outstanding compensation and benefits, including: •Commission based •Unlimited, sales performance based earning potential •Medical, dental, vision •Paid vacation/holidays •Hours: 8am-5pm, M-F •Professional work environment CONSULTANT MEDIA • • • • • • • • • Familiar with fork lifts and heavy machinery Must be dependable with the ability to work independently Loading and unloading trucks Organizational skills crucial for success Clean driving record Must have the ability to obtain Class A CDL Driver’s License Candidate must be 18 years or older Lifting requirement of 60 pounds Again, a good sense of humor is appreciated, but will train the right candidate. NO CALLS PLEASE Email resume to info@gsrcalcium.com OR Mail to PO Box 119, Yankton SD 57078 Apply online at ?rstnational.com EO • AA • Veteran • Disability Employer • Member FDIC Bene?ts available for full time employees • Health, Dental & Vision • 401k with Employer Match & Annual Company Contribution • Paid Time Off plus Bank Holidays • Learning & Career Development • Employee Banking Incentives • Community Involvement • Plus many more... Yankton Media Inc. To apply send resume to: Yankton Daily Press & Dakotan Attn: Micki Schievelbein 319 Walnut Yankton, SD 57078 or email: micki.schievelbein@yankton.net Yankton Media Inc. Take the ?rst step toward a new career. Collections Representatives We are looking for self-motivated individuals who possess negotiation skills to join our Collections team in Yankton, SD. Previous experience is not required, as we will train you for your new career. New starting wage $12. Lucrative individual and group monthly incentive plan. Flexible work schedules. JOB ID: 36-12220 Yankton, SD MV Shopper CLASSIFIEDS Equal Opportunity Employer M I S S O U R I VA L L E Y IN PRINT & ONLINE To place your ad call... 605.665.5884