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Uncategorized Home Loan Options for Self-Employed 1099 Workers in 2025: Unlocking Homeownership Home Loan Options for Self-Employed 1099 Workers in 2025: Unlocking Homeownership For self-employed individuals—freelancers, real estate agents, business owners, lawyers, contractors, and gig economy workers—homeownership can feel like a daunting goal. Unlike W-2 employees with predictable pay stubs, self-employed workers often face irregular income and complex tax filings, making traditional mortgage qualification challenging. However, in […]
Uncategorized Underground Heating Oil Tanks: Risks, Solutions, and Insights for 2025 Underground Heating Oil Tanks: Risks, Solutions, and Insights for 2025 Underground heating oil tanks (UOTs) present significant risks for home buyers and sellers, from environmental hazards to financial liabilities. While these tanks were once common for home heating, their potential for leaks and contamination can complicate real estate transactions. In 2025, with heightened environmental regulations […]
Uncategorized Is Selling Your Home For Sale By Owner (FSBO) a Good Idea in 2025? Is Selling Your Home For Sale By Owner (FSBO) a Good Idea in 2025? Selling your home without a real estate agent—known as For Sale By Owner (FSBO, pronounced “fizz-bo”)—can seem like a smart way to save on the typical 5–6% commission, which could be $15,000–$18,000 on a $300,000 home. In 2025’s competitive housing market, […]
Uncategorized What are the hidden costs of buying a home? What are the hidden costs of buying a home? The answer is none if you’re working with people who are above board and professional. I know that’s a really bold statement to make but it’s true. there should never be any additional hidden costs when you’re purchasing a home and everything should be laid out […]
Uncategorized Home Buyers in 2025: Are You Overlooking Hidden Gems? Home Buyers in 2025: Are You Overlooking Hidden Gems? In today’s digital age, with every home listing at your fingertips online, it’s hard to imagine missing out on the best properties. Yet, many home buyers—especially first-timers—are bypassing opportunities that could save money, build wealth, and better suit their lifestyle. As a real estate agent with […]
Uncategorized The Biweekly Mortgage – Who Needs It? The Biweekly Mortgage – Who Needs It? Have you received an advertisement offering to save you thousands of dollars on your thirty-year mortgage and cut years off your payments? With email spam becoming more pervasive as everyone tries to get rich quick on the Internet, these ads are popping up with troublesome regularity. The ads […]
Uncategorized Relocating from Minnesota? Key Considerations to Avoid Surprises Relocating from Minnesota? Key Considerations to Avoid Surprises If you’re planning to move out of Minnesota permanently or establish residency in another state, recent legal changes and potential future policies could significantly impact your decision. Understanding these shifts, along with proactive planning, can help you navigate the process smoothly and avoid financial or legal pitfalls. […]
Uncategorized Don’t Stress Over Moving: Get Organized and Thrive! Don’t Stress Over Moving: Get Organized and Thrive! Moving to a new home can spark a whirlwind of emotions—excitement for a fresh start, but also anxiety about the logistics. With thoughtful planning, strategic organization, and the right support, you can transform the moving process into a smooth, even enjoyable experience. Tom Sommers, an experienced home […]
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Uncategorized Buy a Home with Little to No Money Down: Your Path to Homeownership Buy a Home with Little to No Money Down: Your Path to Homeownership The dream of owning a home without a hefty down payment is not a myth—it’s a reality through specific loan programs designed to make homeownership accessible. Whether you’re a first-time buyer or a seasoned homeowner, two government-backed programs—VA loans and USDA loans—offer […]
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 […]
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 […]

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