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| The price of a new home |
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The price of a new home is one of the largest issues for most buyers. You need to know before hand, what your budget will support for monthly payments. This is one of those ways that we assist you, we'll prepare a statement for you to see, whether your a buyer or a seller, to see how much cash on hand you'll need, how much you'll be able to afford and how much you'll walk away with. Stop by and see us today or visit http://www.quicken.com/ and choose home loans to assist you in reaching your dream.
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| DNR Lake Information Service |
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Log onto the following website for lake information in Minnesota:
http://www.dnr.state.mn.us/lakefind/index.html
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| Be an Eco-Friendly Homeowner |
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http://www.getwithgreen.com/
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| Foreclosure Tips |
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http://www.ag.state.mn.us/Brochures/pubFacingForeclosure.pdf
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| Home Ownership Center |
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http://hocmn.org/
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| Appraisal Services Offered |
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YOUR PREFERRED APPRAISERS, INC.
www.yourpreferredappraisers.com
We are a leading provider of real estate valuations for the mortgage lending marketplace. With many years of experience in the business, we have a proven track record of reducing lenders time, efforts and costs in managing the appraisal process.
We are a leading provider of appraisals for:
Primary and Secondary Mortgages
Mortgage Refinancing
Employee Relocation
Private Mortgage Insurance Removal
Estate Planning
Divorce Settlement Our investment in training and technology has helped our customers greatly reduce their workload. By offering on-line appraisal ordering, coupled with automatic report status updates and electronic delivery of the final product, we are able to eliminate the run around and phone tag hassles associated with this process. And since this process saves us money as well, we can keep our rates competitive with anybody in the industry.
Short Turn-Around Times
Highest-Quality Appraisal Reports
On-line Status Reports
Electronic Ordering and Delivery
Competitive Pricing Through this web site, you can perform a number of tasks. Ordering an appraisal is just a click of a button away. Or, spend some time and find out a bit more about the appraisal business. The more you know, the better decision you can make. And check back frequently, as our content is always being updated.
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| Community Links |
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| Tips on Showing Your Home |
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To help us sell your home . . . show it off!
People usually decide within two minutes whether they like a home or not. The first impression is often the lasting impression. And they start forming their opinion before they even walk in the front door!
So it is smart to ask yourself if your home is as presentable as it can be. The best way to find out is to imagine you're a prospective buyer. You've probably been looking at other homes, so approach your present home the way you look at other houses.
If you are a seller . . . think like a buyer!
KEEP IT COOL! On a warm day, make sure your air conditioner is turned down enough to make the house pleasantly cool, so it's obvious that your home has air conditioning. The prospective buyer may be uncomfortably warm and walking into your nice cool house may be just the thing to tip the scales in your favor.
ATMOSPHERE COUNTS! Aroma of cookies or bread being baked adds to a pleasant atmosphere...as does a nice fire glowing in your fireplace on a chilly day.
FIRST IMPRESSIONS ARE LASTING IMPRESSIONS. An inviting exterior insures inspection of the interior. Keep your lawn trimmed and edged -the flowerbed cultivated-the yard free and clear of refuse. Remove snow and ice from the walks and porch stoop in the wintertime.
DECORATE YOUR HOME-A STEP TOWARD A SALE. Does any part of your house need painting? Faded walls and worn woodwork reduce buyer interest. It's sometimes difficult for a prospective buyer to perceive how a place can be made to look-show the redecorating first. A quicker sale at a higher price may result.
SPARKLING CLEAN. A bright, tidy home greatly enhances its appeal to buyers. Does your carpeting need to be cleaned or replaced? Clean walls, windows and bathrooms will brighten things up. Keep the bedrooms tidy. The attic, basement and garage need to be as neat and clean as possible. If you remove all unnecessary articles, the full value of your storage and utility space will be displayed. And it's the first impression that counts!
FIX THAT FAUCET. Dripping water discolors the enamel and calls attention to faulty plumbing. Needed little repairs detract from a home's value and the few hours you spend as a handyman can pay you large benefits.
A DAY W1TH THE CARPENTER. Loose doorknobs, sticking drawers, and warped cabinet doors are noticed by prospects! Have them fixed. Are your screens in good shape? What about the windows? Do they work well or do they need attention?
CLOSET ILLUSIONS. Clothes properly hung, shoes, hats and other articles neatly placed will make your closets appear adequate. Remove some clothing, if necessary, to make them look roomier.
DEAR TO YOUR HEART IS THE KITCHEN. Colorful curtains in harmony with the floor and countertops add appeal. Clear countertops help give a feeling of spaciousness. And your appliances should be in good working order!
CAN YOU SEE THE LIGHT? Illumination is a welcome sign. Turn on all the lights from the front door to the back... from top to bottom... and the prospect will feel glowing warmth otherwise hard to attain. And keep your draperies open during the day!
THREE'S A CROWD. Avoid having too many people present during showings. The prospect will feel like an intruder and will hurry through the house. Remind the children to stay in the background and out of the way. We want the prospects' attention focused on your home, in an unhurried way.
SOFT BACKGROUND MUSIC . . very soft . . . make a home feel comfortable to a buyer. But turn off the television-it's too distracting. Let the buyer and agent talk free of disturbances.
LOVE ME, LOVE MY DOG does not apply in home selling! Keep pets out of the way, under control, and preferably out of the house. And a little air freshener is sometimes advisable, particularly if the house has been closed up for some time. Also, please empty litter boxes.
PUTTING THE CART BEFORE THE HORSE. Trying to dispose of furniture to the prospect before they have purchased the house often loses a sale. Proper timing is important and these matters are best dealt with after an offer has been negotiated.
BE IT EVER SO HUMBLE. Never apologize for the appearance of your home. After all, it has been lived in.
IN THE SHADOWS. We've found that showings are more effective if the salesperson and prospect tour your property unaccompanied. The salesperson knows the buyer's requirements and can better emphasize those features. Please don't follow the agent around.
A WORD TO THE WISE. Do not discuss price, terms, possession or other factors with the buyers. Refer them to us. We are better able to bring the negotiation to a favorable conclusion as intermediary third parties.
AND LAST BUT NOT LEAST. . . we ask that your home be shown to prospective customers only by appointment through our office. Refer any inquiries, including anyone who may call you or come to your door, to your sales associate. Your cooperation will be appreciated and will help effect a sale more quickly.
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| A DOZEN REASONS TO USE A REALTOR® |
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1. Your REALTOR® can help you determine your buying power -- that is, your financial reserves plus your borrowing capacity. If you give a REALTOR® some basic information about your available savings, income and current debt, he or she can refer you to lenders best qualified to help you. Most lenders -- banks and mortgage companies -- offer limited choices. 2. Your REALTOR® has many resources to assist you in your home search. Sometimes the property you are seeking is available but not actively advertised in the market, and it will take some investigation by your agent to find all available properties. 3. Your REALTOR® can assist you in the selection process by providing objective information about each property. Agents who are REALTORS® have access to a variety of informational resources. REALTORS® can provide local community information on utilities, zoning. schools, etc. There are two things you'll want to know. First, will the property provide the environment I want for a home or investment? Second, will the property have resale value when I am ready to sell? 4. Your REALTOR® can help you negotiate. There are myriad negotiating factors, including but not limited to price, financing, terms, date of possession and often the inclusion or exclusion of repairs and furnishings or equipment. The purchase agreement should provide a period of time for you to complete appropriate inspections and investigations of the property before you are bound to complete the purchase. Your agent can advise you as to which investigations and inspections are recommended or required. 5. Your REALTOR® provides due diligence during the evaluation of the property. Depending on the area and property, this could include inspections for termites, dry rot, asbestos, faulty structure, roof condition, septic tank and well tests, just to name a few. Your REALTOR® can assist you in finding qualified responsible professionals to do most of these investigations and provide you with written reports. You will also want to see a preliminary report on the title of the property. Title indicates ownership of property and can be mired in confusing status of past owners or rights of access. The title to most properties will have some limitations; for example, easements (access rights) for utilities. Your REALTOR®, title company or attorney can help you resolve issues that might cause problems at a later date. 6. Your REALTOR® can help you in understanding different financing options and in identifying qualified lenders. 7. Your REALTOR® can guide you through the closing process and make sure everything flows together smoothly. 8. When selling your home, your REALTOR® can give you up-to-date information on what is happening in the marketplace and the price, financing, terms and condition of competing properties. These are key factors in getting your property sold at the best price, quickly and with minimum hassle. 9. Your REALTOR® markets your property to other real estate agents and the public. Often, your REALTOR® can recommend repairs or cosmetic work that will significantly enhance the salability of your property. Your REALTOR® markets your property to other real estate agents and the public. In many markets across the country, over 50% of real estate sales are cooperative sales; that is, a real estate agent other than yours brings in the buyer. Your REALTOR® acts as the marketing coordinator, disbursing information about your property to other real estate agents through a Multiple Listing Service or other cooperative marketing networks, open houses for agents, etc. The REALTOR® Code of Ethics requires REALTORS® to utilize these cooperative relationships when they benefit their clients. 10. Your REALTOR® will know when, where and how to advertise your property. There is a misconception that advertising sells real estate. The NATIONAL ASSOCIATION OF REALTORS® studies show that 82% of real estate sales are the result of agent contacts through previous clients, referrals, friends, family and personal contacts. When a property is marketed with the help of your REALTOR®, you do not have to allow strangers into your home. Your REALTOR® will generally prescreen and accompany qualified prospects through your property. 11. Your REALTOR® can help you objectively evaluate every buyer's proposal without compromising your marketing position. This initial agreement is only the beginning of a process of appraisals, inspections and financing -- a lot of possible pitfalls. Your REALTOR® can help you write a legally binding, win-win agreement that will be more likely to make it through the process. 12. Your REALTOR® can help close the sale of your home. Between the initial sales agreement and closing (or settlement), questions may arise. For example, unexpected repairs are required to obtain financing or a cloud in the title is discovered. The required paperwork alone is overwhelming for most sellers. Your REALTOR® is the best.
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