Brrrr... - 12/31/08 10:37 AM
Is is cold enough for ya?  You betcha it is, that's for sure. 
And I sure am enjoying the wood stove we have in our living room on a day as cold as this one is, that's for sure, too.  No doubt about it.  It does take some work and some wood to make it go, though.  And wood ain't cheap, either.  No, it's not.
But that's okay.
Oh, and I sure hope you all are keeping warm, too.
I don't suppose you saw in the paper the other day how somebody wrote in about how it sure is hard to … (0 comments)

Price it right to sell it quickly. - 12/24/08 09:05 AM
Sellers, this may be news to you, but homes are selling.  At times like these people feel they need to spend their dollars carefully. So pricing your home correctly is the key to a quick sale.  In fact, according to the National Association of Realtors (NAR), homes that sold within one week sold at 99.7% of the original asking price.  Those that sold in four or more months sold at 88% of the original asking price.  Staying ahead of the curve, even if it is a slightly downward curve, will keep you ahead of the game.
What explains these results?  Let's look at an illustration. 
… (0 comments)

There are 100% loans out there! - 12/22/08 03:46 AM
I have good news to report:  the US Department of Agriculture is guaranteeing no-money-down loans in smaller towns throughout the country with their Rural Housing Loan Program.  Actually, it doesn't even need to be in a town, just outside of the areas the USDA considers a large enough city.  That leaves out Mankato/North Mankato/Eagle Lake, but allows Madison Lake, Lake Crystal, and St. Peter.
Here's the link to find out whether you and your desired property qualify:  http://tinyurl.com/6s73ko
The USDA is not originating loans, so you'll need to work with your lender, who should be able to help.  If you don't have … (0 comments)

What do I have to do to refinance? These are the best rates I've ever seen! - 12/21/08 12:53 AM
With rates as low as they've been since they've started keeping track thirty seven years ago, I'm sure most of us with a mortgage are thinking "Let's do this thing!"  Unfortunately, it isn't that easy, now that credit has tightened up.
Nowadays, this is what you'll likely need to refinance:
something close to 20% equity in the home * a credit score of at least 720 *, and a debt/income ratio of no more than 43%. * While that may be doable for many of us, it will, unfortunately, rule many others of us out.  But there are things a person can … (0 comments)

 

Jim Scheller - ABR, SRS, e-Pro, GRI

Mankato, MN

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Bridge Realty - Mankato

Address: 122 South Riverfront Drive, Mankato, MN, 56001

Office Phone: (507) 344-5200

Cell Phone: (507) 317-0177

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