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Uncategorized How to Avoid Overpaying for a Home How to Avoid Overpaying for a Home No one wants to overpay for a home, and as a real estate agent with over 20 years of experience, I’ve seen this fear surface whenever the market shifts. Buyers often worry about paying too much, especially in fluctuating conditions. Trying to time the market perfectly is nearly […]
Uncategorized Title Insurance: Where Does Your Dollar Go? Title Insurance: Where Does Your Dollar Go? When buying a home, you’ve likely heard of title insurance, but do you know what it covers and how your payment is used? Understanding where your title insurance premium goes can clarify its value in protecting your investment. How Title Insurance Differs from Other Insurance Unlike property, casualty, […]
Uncategorized Avoiding Financial Stress When Buying or Owning a Home Avoiding Financial Stress When Buying or Owning a Home Purchasing or owning a home is a major financial commitment, but with careful planning and informed decisions, you can minimize stress and secure a mortgage that fits your budget and goals. By asking the right questions, understanding your needs, and exploring your options, you can avoid […]
Uncategorized What Is a Living Trust? What Is a Living Trust? A Living Trust is often recommended by estate planners as an effective way to hold title to real property. When property is held in a Living Trust, title companies have specific requirements to ensure a smooth transaction. Below are answers to common questions about Living Trusts, though this is not […]
Uncategorized How to Sell Your Home Quickly: 5 Key Strategies How to Sell Your Home Quickly: 5 Key Strategies Selling your home fast requires strategy, but success depends on your local market conditions. Here are five proven practices to help you sell efficiently, with the caveat that market dynamics can impact results. 1. Make Necessary Repairs Buyers are less likely to overlook major issues in […]
Uncategorized Understanding Title Insurance: What You Need to Know Understanding Title Insurance: What You Need to Know When browsing real estate sections in newspapers or chatting with brokers, you’ve likely heard about title insurance. If you’re a seasoned homeowner, you may already appreciate its value. But if you’re a first-time buyer, you might be wondering, “Why do I need another insurance policy?” Let’s break […]
Uncategorized Which ARM is the Best Alternative? Resources, Mortgage Information   0 Comments | Add Comment Which ARM is the Best Alternative? How would you like a mortgage loan where you did not have to make the whole payment if you did not want to? Or would you like a loan with an interest rate about 1% below a thirty-year fixed rate mortgage and pay zero points? Or […]
Uncategorized Rates, Rates, Rates! tips for sellers, tips for buyers, homeowners information   0 Comments | Add Comment Rates, Rates, Rates! I’m sure some people are running up and down the halls of their workplace or home yelling rates, rates, rates! It seems to me making everybody crazy right now especially with what we have going on in the United states. I’d like to peel that […]
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Uncategorized What kind of lender is best? Mortgage Information What kind of lender is best? If you ask a loan officer, “What kind of lender is best?” the answer will be whatever kind of company he works for and he will give you a list of reasons why. If you meet the same loan officer years later, and he works for a […]
Uncategorized Why You Should Not Make Any Major Credit Purchases Resources, Tips for Buyers    Why You Should Not Make Any Major Credit Purchases Don’t go on a spending spree using credit if you are thinking about buying a home, or in the process of buying a new home. Your mortgage pre-approval is subject to a final evaluation of your financial situation. Every $100 you pay per […]
Uncategorized What to do if you are facing foreclosure? tips for sellers, homeowners information    What to do if you are facing foreclosure? It has been a while since I have talked about this subject because there really has not been all that many foreclosures available in the Minneapolis Saint Paul market. I am not going out on a limb and predicting that something is going […]
Uncategorized Factors that Affect a Property’s Value in the Minneapolis-Saint Paul Metro Area Factors that Affect a Property’s Value in the Minneapolis-Saint Paul Metro Area The value of a property, especially in dynamic real estate markets like the Minneapolis-Saint Paul metro area, is influenced by a range of factors. Understanding these can be crucial whether you’re planning to buy, sell, or just assess your home’s market value. Here […]
Uncategorized The Essential Guide to Investing in Residential Real Estate tips for sellers, tips for buyers, homeowners information, selling a home, buying a home, minneapolis realtor    The Essential Guide to Investing in Residential Real Estate Investing in residential real estate can be an exciting and rewarding venture, especially for first-time investors. However, the process involves numerous steps and considerations to ensure a successful and legally sound investment. This comprehensive guide […]
Uncategorized Rental Property Tips for the Beginner: Navigating the Minneapolis-Saint Paul Metro Area tips for buyers, homeowners information, landlords, investment properties Rental Property Tips for the Beginner: Navigating the Minneapolis-Saint Paul Metro Area Welcome to the exciting world of rental property investment! This comprehensive guide is designed to equip beginners with essential insights and strategies for navigating the Minneapolis-Saint Paul real estate market. At Tom Sommers Real Estate, we are dedicated […]
Uncategorized Real Estate investment strategies tips for home buyers, tips for real estate investment, rental property, landlord, home flipping   I’m Tom Sommers, a dedicated real estate agent with Coldwell Banker, and I specialize in the Minneapolis Saint Paul metro area. My expertise lies in guiding clients through the intricacies of real estate investment, whether they’re seasoned investors or first-timers looking to navigate the […]
Uncategorized Understanding the difference between foreclosures and short sales tips for home buyers, short sales, foreclosures   0 Comments | Add Comment Understanding the difference between foreclosures and short sales As a dedicated Coldwell Banker residential real estate agent, I’ve navigated the complexities of the Minneapolis-St. Paul real estate market with a keen eye on opportunities and challenges alike. Today, I want to share my insights into two critical aspects of our […]
Uncategorized Exploring the Possibilities of Foreclosure Homes in the Twin Cities tips for home buyers, foreclosures, investment properties, bank owned homes, real estate deals Exploring the Possibilities of Foreclosure Homes in the Twin Cities If you’re eyeing the Minneapolis-St. Paul metro area for your next home, considering a foreclosure might be on your radar. It’s crucial to weigh the pros and cons, whether you’re thinking of settling in, renting out, […]
Uncategorized Is an Abstract of Title Important Anymore? tips for sellers, homeowners information, abstracts, home buyers, real estate As Tom Sommers from Coldwell Banker in the Minneapolis-St. Paul metro area, I’ve navigated the intricate world of real estate for years, witnessing firsthand the evolution of various practices. One question that frequently emerges in discussions with both buyers and sellers is whether an abstract of title holds any […]
Uncategorized How to Buy a House: Insider Tips from Tom Sommers, Your Trusted Real Estate Agent tips for home buyers, how to buy a house, first time home buyers How to Buy a House: Insider Tips from Tom Sommers, Your Trusted Real Estate Agent As a seasoned real estate agent with Coldwell Banker in the bustling Minneapolis-Saint Paul metro area, I’ve guided countless individuals and families through the exciting journey of buying a […]
Uncategorized Understanding Real Estate Contracts: A Guide by Tom Sommers, Coldwell Banker Real Estate real estate contracts, home seller advice, home buyers advice   Understanding Real Estate Contracts: A Guide by Tom Sommers, Coldwell Banker Real Estate Navigating the complex world of real estate contracts can often feel like an overwhelming journey. Hi, I’m Tom Sommers, your trusted real estate agent with Coldwell Banker. I’ve dedicated my career to helping clients […]

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