Shawn Gerhardson Minnesotas Preferred Lenders Blog

Details of the Obama Refinance Program AKA Home Affordable Refinance Program

Shawn Gerhardson Minnesota's Home Mortgage Loan Expert (Mortgages Unlimited) — Thu, 09 Apr 2009 11:27:07 -0500

The details of the "Obama Refinance Program" AKA The Home Affordable Refinance Program have been released. There are two different versions of the plan and depending upon who your servicer is there are different components to each. One is for Freddie Mac serviced loans and the other is for Fannie Mae serviced loans. I have provided links to both for you below to see if you are eligible for either program.

The information below provides an overview of the current program guidelines. This program is new as of April 1st 2009 so be aware that they are subject to change.

Program Description

Freddie Version

Streamline rate/term refinance from Freddie to Freddie transactions to help:

Reduce the interest rate of your 1st mortgage
Replace an ARM, Int Only or Balloon to a fixed rate
Reduce the term of your current mortgage.

* The new loan cannot have a longer term than the original mortgage.

Fannie Version

Streamline rate/term refinance from Fannie Mae to Fannie Mae transactions to help:

Reduce mortgage payments
Obtain a more stable mortgage product

Ineligible existing first mortgages

Freddie Version

FHA, VA or Rural Housing (USDA Loans)
Loans over $417,000
Loans with current mortgage insurnace
Non Prime Loans
ALT-A Loan
Loans with Mortgage Insurance

* The program currently is not available to for loans with MI but may be offered at a later date.

Fannie Version

FHA, VA or Rural Housing (USDA Loans)

Loans over $417,000

Loans with current mortgage insurance

Reverse mortgages

Second Mortgages

Other exclusions may apply

Max Loan to Value or CLTV

Freddie Version

105% LTV
Unlimited TLTV/CLTV

Fannie Version

105% LTV

Unlimited TLTV/CLTV

Loan Amount

New loan Amount is limited to:

Freddie Version

Payoff of the first mortgage balance and accrued interest.
All closing costs, financing costs, prepaids and escrows cannot exceed $2500
You may not receive cash back at closing.

Fannie Version

Payoff of the first mortgage balance and accrued interest.

All closing costs, financing costs, prepaids and escrows up to 105%

You may not receive cash back at closing.

Property Types

Freddie Version

1 to 4 unit
Condos
Cooperatives
PUD's

Fannie Version

1 to 4 unit
Condos
Cooperatives
PUD's

Occupancy

Freddie Version

1 to 4 unit primary and investment properties.
1 unit second homes
Occupancy must not have changed from mortgage being financed
Number of financed properties may be limited.

Fannie Version

1 to 4 unit primary and investment properties.
1 unit second homes
Occupancy must not have changed from mortgage being financed
Number of financed properties is NOT limited.

Credit Requirements

Freddie Version

No Minimum score required except 620 minimum credit score if the new loan payment is 20% more than current P&I Payment.
No bankruptcy or foreclosures allowed.
No 30 day late payments in the last 12 months.

Fannie Version

No Minimum score required

No 60 day late payments in the last 12 months

Bankruptcy or foreclosure restrictions may apply.

Secondary Financing

Freddie Version

Must be re-subordinated
No replacement financing
Secondary financing cannot have an increase in balance.

Fannie Version

Must be re-subordinated

No replacement financing

Mortgagors

Freddie Version

New borrowers cannot be added
borrowers on original loan may be removed in limited circumstances only.

Fannie Version

New borrowers may be added as long as the original borrower(S) are on the loan.
borrowers on original loan cannot be removed.

Mortgage Insurance

Freddie Version

If the existing loan does not have MI then MI will not be required on the new loan.

Fannie Version

If the existing loan does not have MI then MI will not be required on the new loan.

To find out if your property is eligible for either program click the links below

Freddie Mac

https://ww3.freddiemac.com/corporate/

Fannie Mae

http://loanlookup.fanniemae.com/loanlookup/

If you live in Minnesota and think you may be eligible for either of these programs contact me and I will be happy to assist you.

Tips for BNI Members on passing referrals to Prospective Members

Shawn Gerhardson Minnesota's Home Mortgage Loan Expert (Mortgages Unlimited) — Sat, 04 Apr 2009 01:53:12 -0500

You might think that passing a referral to a Visitor or Perspective Member may be a good thing but think again.

Have they been screened? Have their references been checked? No! Are you taking a risk at your reputation and that of your BNI Chapter when you refer to someone you don't know? Yes!

Isn't it one of the exclusive rights of your BNI Membership to get and receive referrals? You've committed time money and energy to get these referrals. How do you feel abut giving them away to someone who hasn't yet made that commitment back?

Here's another way you could handle it. Say "I have a referral for a prospective member today, which I will give once you have been approved for membership in our chapter. You have just shown the visitor your willingness to to share business but you have made it clear that you need commitment in turn from them. After all, why buy the cow when you can get the milk for free?

Try it out and I'll bet your closing percentage on your Visitors will absolutely increase and your Visitors will respect that fact the the referrals passed by your members are quality referrals.

10 Questions to Ask Prospective BNI Members

Shawn Gerhardson Minnesota's Home Mortgage Loan Expert (Mortgages Unlimited) — Mon, 30 Mar 2009 23:25:29 -0500

10 Questions to Ask Prospective Members

1) Have they been in business for a year?
Sure BNI says this only have to be in business for a year, but you know what? I only want the best professionals in my BNI Chapter.

2) Do they attend networking events?
We want members with outgoing personalities

3) Are they willing to introduce their clients, and friends?
BNI is not about catching a referral falling from a tree it's about farming.

4) Can they handle a 20% growth in their business?
There are actually BNI members who do not want to growth their business . . .

5) Do they talk/have a conversation with 50 people a week?
They need to meet enough people with whom they can have conversations where the chance of a referral can pop up

6) Do they abide by a code of ethics?
You would be astounded by how many business people do not have a code of ethics . . .

7) Are they willing to change vendors?
If you build trust with the members, you should be willing to change vendors both for yourself and your clients.

8) Are they willing to invite their vendors to a BNI meeting?
If they love thier vendor so much, they should be willing to introduce them to other professionals.

9) Do they attend monthly/yearly training classes?
IF they are not willing to grow personally and professionally they are missing a lot of what BNI has to offer.

10) Are they willing to have a fun time and make money for other people?
IT'S ALL ABOUT GIVER'S GAIN

Seller Credits on Bank Owned Properties (Important information!)

Shawn Gerhardson Minnesota's Home Mortgage Loan Expert (Mortgages Unlimited) — Mon, 30 Mar 2009 22:47:24 -0500

With all of the bank owned properties out there it is really important to make sure that you read the fine print on some the bank owned property purchase agreement addendum's. You don't want your clients to be surprised when they get to the closing table that they need hundreds of extra dollars that they weren't expecting. This is the verbiage that is in the purchase agreements you need to be aware of.......

"Regardless of local custom, requirements for practice and notwithstanding anything to the contrary in the contract of sale or any other addenda, seller will not pay any fees, costs, or expenses not expressly provided for in this addendum."

If you see this phrase in a purchase agreement seller's addendum, it means the seller (or bank)will NOT pay any customary sellers fees (Like Seller Title Fees) which can up the buyer's responsibility by anywhere from a few hundred dollars to over a thousand dollars.

There are some newer agents out there that don't understand this verbiage and allow their buyers to sign these counter-addendum's without realizing the consequences. We want those agents to be aware of what this means for the buyer before they sign it. Many buyers are purchasing a home on FHA financing with very little money down and don't have the extra funds to pay for these customary seller fees. There's not much that we as lenders can do because by the time we get a fully-executed purchase agreement on our desk, the buyer has already signed and agreed to those terms without understanding that the seller will not pay for them and will also not allow them to be paid for as part of the agreed "seller paid closing costs".

We have had some buyers sign purchase agreements lately without fully understanding what this means and when the file gets to us, we have to explain to them that they need to come up with more money for closing to cover the normal seller related fees. We'd like to catch this before it gets that far and save alot of headache to the buyers agent, the listing agent and the buyer.

Most of you are already aware of this but for some of you that were not aware this information may save you some unnecessary problems.

Tips for BNI Members

Shawn Gerhardson Minnesota's Home Mortgage Loan Expert (Mortgages Unlimited) — Sat, 14 Mar 2009 22:23:58 -0500

Sometimes we see people, both BNI members and non-members being miserly with their business cards. We have a saying in BNI that says: Your business card is worthless until it is the hand of either a potential client, or someone who is in the position to refer business to you. You have produced your business cards for a reason. They are to let people know your name, your business and most importantly, how to get in contact with you. So be plentiful with your business card. Is there anything more ridiculous than someone saying or thinking I won't hand out my business card to these people, because then I'll have none left.

That is the point of having them in the first place, to get them out in circulation! When they are sitting in your wallet, they're just pieces of cardboard, when they're out in circulation, they are marketing tools.

As an exercise at your next meeting, take a look at how many of your business cards are in the chapter card box. If you have none in there, you are really doing yourself a disservice. People can't refer you anywhere near as effectively without your card as they can by giving it to a potential client. If you have less than ten in the box, chances are there will be next to none left in there next week, so re-stock today. If there are between 15 and 20 copies of your card in the box, well done! You've been watching your stocks.

Finally, look at your BNI card file. Have you got at least two copies of everyone's else's card in there? If you haven't, re -stock it. Business cards are there so that you can carry every member's card with you pretty well everywhere you go.

Good networkers are ready to generate referrals anywhere, anytime. Having business cards ensures that you can make a great referral, not just mention someone's name.

Tips provided by Shawn Gerhardson with Mortgages Unlimited in Minnesota.

2009 Housing Tax Credit, First-Time Home Buyer Credit.

Shawn Gerhardson Minnesota's Home Mortgage Loan Expert (Mortgages Unlimited) — Mon, 16 Feb 2009 16:51:28 -0600

Here is information pertaining to new Homebuyer Tax Credit that was recently passed by the Congress.

While that has not yet been signed by the President, I wanted you to have this important information as soon as possible.

FIRST-TIME HOMEBUYER TAX CREDIT

As Modified in the American Recovery and Reinvestment Act

Major Modifications in Bold.

February 2009

FEATURE	CREDIT AS CREATED JULY 2008 APPLIES TO ALL QUALIFIED PURCHASES ON OR AFTER APRIL 9, 2008	REVISED CREDIT - EFFECTIVE FOR PURCHASES ON OR AFTER JANUARY 1, 2009 AND BEFORE DECEMBER 1, 2009
Amount of Credit	Lesser of 10 percent of cost of home or $7500	Maximum credit amount increased to $8000
Eligible Property	Any single family residence (including condos, co-ops, townhouses) that will be used as a principal residence.	No change All principal residences eligible.
Refundable	Yes. Reduces (or can eliminate) income tax liability for the year of purchase. Any unused amount of tax credit refunded to purchaser.	No change Purchasers will continue to receive refund for unused amount when tax return is filed.
Income Limit	Yes. Full amount of credit available for individuals with adjusted gross income of no more than $75,000 ($150,000 on a joint return). Phases out above those caps ($95,000 and $170,000).	No change Same income limits continue to apply.
First-time Homebuyer Only	Yes. Purchaser (and purchaser's spouse) may not have owned a principal residence in 3 years previous to purchase.	No change Still available for first-time purchasers only. Three-year rule continues to apply.
Revenue Bond Financing	No credit allowed if home financed with state/local bond funding.	Purchasers who utilize revenue bond financing can use credit.
Repayment	Yes. Portion (6.67% of credit or $500) to be repaid each year for 15 years, starting with 2010 tax filing.	No repayment for purchases on or after January 1, 2009 and before December 1, 2009
Recapture	If home sold before 15-year repayment period ends, then outstanding balance of repayment amount recaptured on sale.	If home is sold within three years of purchase, entire amount of credit is recaptured on sale. Applies only to homes purchased in 2009.
Termination	July 1, 2009 (But note program changes for 2009)	December 1, 2009
Effective Date	Purchases on or after April 9, 2008 and before January 1, 2009. Repayment to begin for 2010 tax year.	All revisions are effective as of January 1, 2009

If you are interested in a home loan contact Shawn Gerhardson with Mortgages Unlimited.

"Minnesota's Preferred Lender"

Charming 3 Bedroom Home in Cambridge, MN

Shawn Gerhardson Minnesota's Home Mortgage Loan Expert (Mortgages Unlimited) — Fri, 13 Feb 2009 09:50:51 -0600

100% Financing is available on this home to qualified buyers. If you are interested in a home mortgage on this or any other homes in Minnesota contact Shawn Gerhardson with Mortgages Unlimited.

3465 Kenwood Place
Cambridge, MN 55008
Charming Home in a Beautiful Neighborhood

Carrie Gibbs

Office::	763-689-3593
Cell::	763-245-6431
Website:	Visit Website

Price	:	$171,000
Bedrooms	:	3
Bathrooms	:	2
Square Foot	:	1,768
Lot Size	:	0
County	:	Isanti
Property Type	:	Detached
Year Built	:	2002
MLS Number	:	3570821

click for more information and pictures

Property Description

Charming home on cul-de-sac surrounded by woods wildlife. You will be impressed with the beautiful landscaping & views from the west facing deck. Roses, lavender, and other gorgeous perrenials abound! Tucked away...a bit of a country on the south side of town. You will be impressed with everything this home and neighborhood have to offer!

Features List

3 Bedrooms	3 Car Garage	Finished up and down
West facing deck	Neutral decor	Beautiful sunsets!
Gorgeous landscaping	Hardwood Floors
Cul De Sac	Vaulted Ceilings
City water and sewer	Pond view
Country Setting	Wildlife abounds!
Great neighborhood	Roses and Lavender

Equal Housing Opportunity.

CENTURY 21 Moline Realty : 202 S. Main Street - Cambridge MN 55008 : 763-689-3593

Beautiful 4 Bedroom Home on 11.6 Acres in Braham MN nearly 3000 SQ Feet!

Shawn Gerhardson Minnesota's Home Mortgage Loan Expert (Mortgages Unlimited) — Fri, 13 Feb 2009 09:46:31 -0600

100% Financing is available on this home to qualified buyers. If you are interested in a home mortgage on this or any other homes in Minnesota contact Shawn Gerhardson with Mortgages Unlimited

1156 North Lake Drive
Braham, MN 55006
Horses, Fishing - Gorgeous Two Story House

Joslyn Panka

Office:	320-225-2600
Mobile:	612-850-3153
Website:	Visit Website

Price	:	$118,750
Bedrooms	:	4
Bathrooms	:	3
Square Foot	:	2,940
Lot Size	:	11
County	:	Chisago
Property Type	:	Detached
Year Built	:	2001
MLS Number	:	3632601

click for more information and pictures

Property Description

This beautiful two story wood sided home is set at the back of 11.6 acres. Previously the home of some horses, you'll love it here. Sit on your deck and watch the boats speed across Rush Lake, or enjoy the sway of the breeze through the trees. Hidden from the road, tons of privacy for you here. Pergo floors, central air, and a gas fireplace/stove for cozy fires on those cold nights. A dream come true.

Features List

11.6 acres	Central air	Propane heat
Fencing	Horse shelter	3 car garage
Pergo floors	Two story	Walkout basement
Master suite	Gas fireplace/stove	Stove
Dishwasher	Rush Lake view	Easy commute
Nearly 3,000 sq ft	4 bedrooms	3 bath

Equal Housing Opportunity.

Northern Lights Realty : Mora MN 55008 : 320-225-2600

Home with 6 Acres and lake shore in Hugo MN.

Shawn Gerhardson Minnesota's Home Mortgage Loan Expert (Mortgages Unlimited) — Fri, 13 Feb 2009 09:39:32 -0600

Financing is available on this home to qualified buyers. If you are interested in a home mortgage on this or any other homes in Minnesota contact Shawn Gerhardson with Mortgages Unlimited.

17340 Henna Ave. N.
Hugo, MN 55038
One Owner on Over 6 Ac's and Lakeshore!

Vicky "Katz"

Office:	651-982-1217
Mobile:	612-210-9192
Website:	Visit Website

Price	:	$250,000
Bedrooms	:	3
Bathrooms	:	2
Square Foot	:	1,852
Lot Size	:	6
County	:	Washington
Property Type	:	Detached
Year Built	:	1974

click for more information and pictures

Property Description

Beautiful property here!! Large garden area and nice views of Horseshoe Lake. Three bedrooms and main floor bath with a shower in lower level walkout. Formal Dining with Patio doors to nice deck overlooking lake.

Features List

Over 6 Ac's	On Horseshoe Lake	Beautiful gardens
3 Bedrooms	Walkout Lower Level	Forest Lake Schools
New Roof	12x9 Shed	Very Private
Close to I35	20 Min. to Cities

Equal Housing Opportunity.

ERA Muske Company : 21329 Heath Avenue Court N - Forest Lake MN 55025 : 651-982-1217

3 Bedroom Walk-Out in Rock Creek MN is now for sale!

Shawn Gerhardson Minnesota's Home Mortgage Loan Expert (Mortgages Unlimited) — Fri, 13 Feb 2009 09:32:02 -0600

100% Financing is available on this home to qualified buyers. If you are interested in a home mortgage on this or any other homes in Minnesota contact Shawn Gerhardson with Mortgages Unlimited.

56896 Stephanie Lane
Rock Creek, MN 55063
Walkout!!

Amanda Wimmer

Office:	320-629-8030
Mobile:	612-390-6398
Website:	Visit Website

Price	:	$195,000
Bedrooms	:	3
Bathrooms	:	1.75
Square Foot	:	1,385
Lot Size	:	3
County	:	Pine
Property Type	:	Detached
Year Built	:	2001

click for more information and pictures

Property Description

Earn equity with this home. 3 Bedroom Rambler/Walkout on 3 acres close to I-35. Full basemen is sheetrocked and ready to be finished. Home features Laminate floors in Living Room, Main floor laundry, Deck, Patio, gorgeous flower gardens and landscaping. Detached pole shed plus 2-car attached garage.

Features List

3 BDR one level	3 Acres	2 Baths
Unfinished Basment	Close to I-35	Large Walk-in Closet
Laminate Floors	Main Floor Laundry	Perenials
Patio and Deck	2 Car Garage	Landscaping
Cozy & Comfortab

Equal Housing Opportunity.

Minnesota Real Estate Group : 217 Main Street S - Pine City MN 55063 : 320-629-8030

Dream home in Mora Minnesota

Shawn Gerhardson Minnesota's Home Mortgage Loan Expert (Mortgages Unlimited) — Fri, 13 Feb 2009 09:25:25 -0600

100% Financing is available on this home to qualified buyers. If you are interested in a home mortgage on this or any other homes in Minnesota contact Shawn Gerhardson with Mortgages Unlimited.

1777 Sherwood Street
Mora, MN 55051
Amazing! You Will Totally Fall In Love!

Amanda Wimmer

Office:	320-629-8030
Mobile:	612-390-6398
Website:	Visit Website

Price	:	$325,000
Bedrooms	:	2
Bathrooms	:	2
Square Foot	:	2,305
Lot Size	:	40
County	:	Kanabec
Property Type	:	Detached
Year Built	:	1991

click for more information and pictures

Property Description

Relax, Retire, or just settle in! You will not want to leave. 2-BDRM home nestled in a park-like setting--all the privacy you want. The Mud Creek runs through the 40 acres. A large Pole Shed 88x40 is large enough for all your toys and the Motor Home or pack up the horses! In-floor heat central vac. House has beautiful sunroom to watch all the wildlife. Master bdrm w/Jacuzzi tub. Gorgeous loft & unbelievable Rock fireplace! Truly a MUST-SEE!

Features List

40 Acres	2 Bath	2 Car Garage
Pole Shed	Hobby Farm	2 plus Bedrooms
Loft	4 - Wheeling	Mature Trees
Patio and Deck	Fireplace	Spectacular Views
Cozy & Comfortab	Pasture Land

Equal Housing Opportunity.

Minnesota Real Estate Group : 217 Main Street S - Pine City MN 55063 : 320-629-8030

Beautiful 1 Level home in Cambridge Minnesota.

Shawn Gerhardson Minnesota's Home Mortgage Loan Expert (Mortgages Unlimited) — Tue, 10 Feb 2009 12:21:46 -0600

100% Financing is available on this home to qualified buyers. If you are interested in a home mortgage on this or any other homes in Minnesota contact Shawn Gerhardson with Mortgages Unlimited.

722 13th Lane SW
Cambridge, MN 55008
Beautiful One Level Home

Jody Bryant

Office::	763-552-0101
Cell::	612-219-0257
Website:	Visit Website

Price	:	$230,000
Bedrooms	:	2
Bathrooms	:	2
Square Foot	:	1,419
County	:	Isanti
Property Type	:	Detached
Year Built	:	2007

click for more information and pictures

Property Description

This is a beautiful one level home with vaulted knockdown ceilings. There is a gas fireplace, upgraded cabinets, tile floors in kitchen & bath, and raised panel doors along with insulated garage walls, ceiling & overhead door. There are many other upgrades. Located in a desirable Cambridge Neighborhood Association. Dues are only $75 and include irrigation, snow removal, and lawn care.

Features List

New Construction	Corner Lot	$75 Association Dues
Snow/Lawn Care	Fireplace	Central Air
Porch	New Construction	Raised Panel Doors
Many Upgrades	Vaulted Ceilings	Insulated Garage
Upgraded Cabinets	Tile Floors

Equal Housing Opportunity.

Heritage Greens of Cambridge : 722 13th Lane SW - Cambridge MN 55008 : 763-552-0101

3 Bedroom Move-In Ready in Sandstone Minnesota

Shawn Gerhardson Minnesota's Home Mortgage Loan Expert (Mortgages Unlimited) — Tue, 10 Feb 2009 12:09:56 -0600

100% Financing is available on this home to qualified buyers. If you are interested in a home mortgage on this or any other homes in Minnesota contact Shawn Gerhardson with Mortgages Unlimited.

721 Commercial Ave N
Sandstone, MN 55072
Move-in Ready!

Amanda Wimmer

Office:	320-629-8030
Mobile:	612-390-6398
Website:	Visit Website

Price	:	$115,000
Bedrooms	:	3
Bathrooms	:	2
Square Foot	:	1,404
Lot Size	:	54
County	:	Pine
Property Type	:	Detached
Year Built	:	2003

click for more information and pictures

Property Description

Priced to sell! Move right in to this beautifully spacious 3-bedroom home that has much to offer. Nice size rooms and gorgeous rock fire place! In town of Sandstone and within waling distance of area stores and skating rink. Nice corner lot.

Features List

Corner	2 Bath	In Town
City Sewer	City Water	3 Bedrooms
Garden Shed	Mud Room	Neutral Decor
Perenial Gardens	Fireplace	Slab on Grade
Cozy & Comfortab

Equal Housing Opportunity.

Minnesota Real Estate Group : 217 Main Street S - Pine City MN 55063 : 320-629-8030

2br - Hobby Farm In Willow River, Mn 100 Acres

Shawn Gerhardson Minnesota's Home Mortgage Loan Expert (Mortgages Unlimited) — Tue, 10 Feb 2009 10:35:40 -0600

100% Financing is available on this home to qualified buyers. If you are interested in a home mortgage on this or any other homes in Minnesota Contact Shawn Gerhardson with Mortgages Unlimited.

41738 McNally Rd
Willow River, MN 55795
Hobby Farm in Willow River, MN 100 Acres

Amanda Wimmer

Office:	320-629-8030
Mobile:	612-390-6398
Website:	Visit Website

Price	:	$289,900
Bedrooms	:	2
Bathrooms	:	1
Square Foot	:	1,120
Lot Size	:	100
Community	:	Willow River
County	:	Pine
Property Type	:	Detached
Year Built	:	1932

click for more information and pictures

Property Description

Perfect property for the farmer in you. It is truly beautiful. Come home to complete serenity with this 2-bedroom, 1 bath completely remodeled home on 100 acres. 30x40 barn for the animals w/ 100 amp.service. 30 x 56 3-plus car garage with 10' sidewalls. Natural Creek, Trees, and pasture land provide the perfect mix of land.

Features List

100 Acres	Completely Remodeled	30 x 56 Garage
30X40 Barn	Main Floor Laundry	Stainless Appliances
Air to Air Exchanger	Complete Serenity	Water to Barn
Water Softener	Main Floor Bedroom	100 amp service
Natural Creek	Pasture Land	Main Floor Bedroom
Cozy & Comfortab

Equal Housing Opportunity.

Minnesota Real Estate Group : 217 Main Street S - Pine City MN 55063 : 320-629-8030

Awesome 17 Acre Hobby Farm in Brook Park MN

Shawn Gerhardson Minnesota's Home Mortgage Loan Expert (Mortgages Unlimited) — Tue, 10 Feb 2009 10:28:52 -0600

100% Financing is available on this home to qualified buyers. If you are interested in a home mortgage on this or any other homes in Minnesota contact Shawn Gerhardson with Mortgages Unlimited.

9863 Rice Road
Brook Park, MN 55007
Awesome 17 Acre Hobby Farm!

Joslyn Panka

Office:	320-225-2600
Mobile:	612-850-3153
Website:	Visit Website

Price	:	$145,000
Bedrooms	:	5
Bathrooms	:	2
Square Foot	:	3,855
Lot Size	:	17
County	:	Pine
Property Type	:	Detached
Year Built	:	1917

click for more information and pictures

Property Description

Farmhouse located on 17 acres near I-35 and Pine City ready for you to move in! Barn, pole barn, and pasture all fenced and ready for horses if you want, or make room for whatever your heart desires. Home has 5 bedrooms total, large basement, and gorgeous kitchen. You'll never want to leave home again!

Need More Business? Find out about BNI (Business Network International!

Shawn Gerhardson Minnesota's Home Mortgage Loan Expert (Mortgages Unlimited) — Fri, 06 Feb 2009 21:12:04 -0600

JOIN US FOR VISITORS' DAY

Generate More Business Through Word-of-Mouth Marketing

Business Networking International (BNI) is a business and professional networking organization whose primary purpose is to exchange qualified business referrals. It is the largest networking organization of its kind. Currently, BNI has over 4,800 chapters internationally (http://www.bni-mn.com/) and over 140 chapters locally. Last year, members of BNI passed over 2.8 million referrals, which resulted in over 1.2 billion dollars worth of business for each other.

We are having a Visitor's Day meeting of the Rum River Referrals group of BNI (Business Network International) coming soon.

WHAT: BNI VISITORS' DAY

WHERE: Spectacular Events 1320 Co Rd 5 NE , Isanti, MN 55040

WHEN: Tuesday, April 21st, 2009, 8:00am to 10:00am

COST: $7.00 (Includes continental breakfast)

Kevin Snow the are director of BNI, and Shawn Gerhardson (BNiI Ambassador) will be joining us to share the BNI secrets of success through "word-of- mouth" marketing. Kevin will also assist you will help to build your business through "word-of-mouth" networking. We are looking for thirty to forty business professionals to add to our group to whom we can give pass referrals to.

COME AND MEET OUR SALES TEAM ON VISITORS' DAY . . .

. . . and LOCK OUT YOUR COMPETITION TODAY!!!

Bring plenty of business cards!!!

There will be well over 100 or more in attendance. Will be looking to see YOU there!!!

Please RSVP by Tuesday, 04/14/09 to sgerhardson@muihomeloans,com because space may be limited. Again, lock out your competition today. Feel free to forward this to anyone else you might think would be interested.Questions??? Call me @ 763.691.0202

About our Chapter:

March Congratulations!
Gold
Rum River Referrals, Isanti
Silver
Manitou Referrals, Vadnais Heights
Rapid Referral, Grand Rapids
Bronze
Revenue Generators, Austin

The Rum River Referral Chapter was started by Shawn and Angie Gerhardson. We started off in July of 2007 with 0 members. We launched our chapter in December 2007 with 22 Members since then we have grown to 30 Members and growing. In fact we have already grown to one of the largest chapters in Minnesota and in the World. We are a really great group and would love to help you grow your business through word of mouth referral marketing.

Come join the most exciting chapter in Minnesota Rum River Referrals!

Our list of current professions filled can be found by clicking here

We are currently looking to fill the following professional categories:

Skin Care & Cosmetics

Accountant/CPA

Massage Therapist

Printing

Remodeling

Health-Nutrition

Flooring

Photography

Graphic Designer

Electrician

Health & Wellness Products

Cleaning Service

Travel Services

Landscaping

Handyman

Insurance-Life

Computer Web Design

Carpet Cleaning

Plumber

Water Services, Systems, Treatment

Interior Design

Jewelry

Coaching, Business/Personal

Legal Service Plans

Restaurant

Attorney

Security Systems

Insurance Business. Commercial

Computer Consulting

Computer Sales & Service

Insurance-Supplemental

Accountant

Insurance

Health-Alternative

Home Inspections

Attorney, General Practice

Attorney, Estate Planning

Marketing Services

Dentist

Insurance-Health

Lawn Care & Grounds Maintenance

Phones-Systems & Service

Bookkeeping Services

Embroidery

Cabinets/Closets

Auto Services

Food/Beverage Products

Organizer

Payroll

Attorney, Family Law

Credit Card, Merchant Services

Building Materials

Gift Baskets

Home Improvement

Investment Consulting

Attorney, Business

Waste, Trash Disposal

Video Services

Non-Profit Organization

Business Advisor

Acupuncture

Environmental Air/Water

Rental Items

Insurance-Long Term Care

Home Accesories

Computer Internet Service Provider

Advertising, Radio

Event Planner

Furniture

Gift Lines-Corporate/Catalog

Pet Services

Printing.Cartridge, Ink Refills

Retail Store

Salon

Commercial Property Services

Collections, Commercial and Consumer

Communication & Cable sales

Employment Temp Staffing

Health-Home Care

Office Furniture

Window Cleaning

Kitchen Consultant

Windows

Real Estate, Staging

Greeting Cards

Attorney, Personal Injury

Business Development

Chimney Cleaning

Clothing Women

Hotel/Motel

Moving Company

Writer

Veterinarian

Employee Benefits

Advertising, Magazine

Dry Cleaning/Laundry

Painter, Artistic

Doors

Computer Software Sales-Service

Martial Arts

Wine Sales & Services

Countertops

Mortgage Lender, Reverse

Printing, Specialty

Advertising Agency

Assisted Living

Auto Glass

Building Maintenance and Repair

Scrapbooks

Direct Mail

Hearing Aids & Instruments

Phones-Local

Psychotherapist

Wedding Services

Food/Beverage Services

Mailing Services

Business Communications

Recreation

Glass

Concrete Pouring

Tax preparers

Equipment Sales & Service

Landscaping, Irrigation

Home Improvement. Exterior

Computer Services

Cleaning Products

Clothing Men

Commercial /Ag Builder

Cosmetic Services & Procedures

Counseling Services/Therapist

Environmental Air

Lodging Facilities

Human Resources

Lighting and Accessories

Advertising Directory

Multimedia

Office Supplies

Personal Concierge

Debt Management

Tailoring/Alterations

Medical Products & Services

Gardens, Lawns (Not Landscaper)

Tree Services

Sports Activities

Pools & Hot Tubs Sales/Service

Auto Parts/Accessories

Resurfacing, Ceramic &Tile

Septic Systems, Services

Interior Decorating

Administrative Support

Advertising, TV

Artwork

Attorney, Criminal Defense

Audio/Visual Sales & Rental

Cable TV Service

Computer Internet Services

Electronic Funds Transactions

Golf Products & Services

Speaker, Motivational

Nail Artist

Picture Framing & Art

Property Management

Car Wash

Document Scanning Services

Sporting Goods

Conference Center

Yoga

Homeopathy

NONE

Public Relations

Health-Medical

Crafts

Appearance. Product, Service

Music

Engineer

Attorney, Real Estate

Chef

Loans

Computer Internet Market Place

Coaching, Business

Art Dealer

Auctioneer

Blacktop Paving Masonry

Chamber

Clergy

Computer Training

Data Processing

Electronic Banking

Electronic Specialist

Estate Sales

Funeral Services

Golf Organization

Household Products

Landscape Supplies

Management Consultant

Medical Billing

Mortgage Lender, Commercial

Physical Therapist

Storage

Transportation

Attorney, Trial

Relocation Services

Publisher

Fundraiser

Historical Society

Business Broker

Electrolysis

Workplace Safety

Courier/Messenger Service

Attorney, Labor & Employment

Welcome Services

Appearance. Salon, Spa

Image Consultant

Equipment Leasing, Rental

Fences, Decks, Patio

Voice Message

Child Services-Products

Wholesale Store

Direct Buy Services

Mortgages, Contract for Deed

Event Facilities

Aircraft

Appliance Sales

Appliance Repair

Stone

Fuel Delivery

Errand Services

Well Drilling

Home Improvement, Interior

Engineer, Product Design

Tanning Salon

Copy Writer

Coaching, Personal

Cooking Instructor

Document Services

Business Consulting

Attention Minnesota Realtors. Information about interest rates.

Shawn Gerhardson Minnesota's Home Mortgage Loan Expert (Mortgages Unlimited) — Fri, 12 Dec 2008 11:32:58 -0600

As you may have heard, interest rates are currently near record lows set back in 2003-04! And even though we anticipate that we may see some additional movement both up and down these rates today are still historical.

With the recent drop in interest rates the advantages of purchasing and refinancing are back in the spot light, and despite all the media hype mortgage financing is not much different than it was just a few years ago.

One of the questions we get asked all the time are "what are your rates" I hope you will appreciate the graph below .

I sincerely appreciate your trust and business and look forward to serving your mortgage needs now and in the future. And as always your referrals of family members, friends and co-workers are greatly appreciated.

Happy Holidays.

Thank you,

Shawn Gerhardson

Mortgage Consultant

763-691-0202

www.muihomeloan.com

Looking To Grow Your Business? Join (BNI) Buisness Network International

Shawn Gerhardson Minnesota's Home Mortgage Loan Expert (Mortgages Unlimited) — Fri, 31 Oct 2008 22:39:02 -0500

JOIN US FOR VISITORS' DAY

Generate More Business Through Word-of-Mouth Marketing

WHAT: BNI VISITORS' DAY (http://www.bni-mn.com/)

WHERE: Spectacular Events 1320 Co Rd 5 NE , Isanti, MN 55040

WHEN: Wednesday, November 19th, 2008, 8:00am to 10:00am

COST: $7.00 (Includes continental breakfast)

Kevin Snow the are director of BNI, will be joining us to share the BNI secrets of success through "word-of- mouth" marketing. Kevin will also assist you will help to build your business through "word-of-mouth" networking. We are looking for thirty business professionals to add to our group to whom we can give pass referrals to.

COME AND MEET OUR SALES TEAM ON VISITORS' DAY . . .

. . . and LOCK OUT YOUR COMPETITION TODAY!!!

Bring plenty of business cards!!!

There will be up to 100 or more in attendance. Will be looking to see YOU there!!!

Please RSVP by Wednesday, 11/12/08 to sgerhardson@muihomeloans,com because space may be limited. Again, lock out your competition today. Feel free to forward this to anyone else you might think would be interested.Questions??? Call me @ 763.691.0202

About our Chapter:

March Congratulations!
Gold
Rum River Referrals, Isanti
Silver
Manitou Referrals, Vadnais Heights
Rapid Referral, Grand Rapids
Bronze
Revenue Generators, Austin

The Rum River Referral Chapter was started by Shawn and Angie Gerhardson. We started off in July of 2007 with 0 members. We launched our chapter in December 2007 with 22 Members since then we have grown to 34 Members and growing. In fact we have already grown to one of the largest chapters in Minnesota and in the World. We are a really great group and would love to help you grow your business through word of mouth referral marketing.

Come join the most exciting chapter in Minnesota Rum River Referrals!

Our list of current professions filled can be found by clicking here

We are currently looking to fill the following professional categories:

Skin Care & Cosmetics

Accountant/CPA

Massage Therapist

Printing

Remodeling

Health-Nutrition

Flooring

Photography

Graphic Designer

Electrician

Health & Wellness Products

Cleaning Service

Travel Services

Landscaping

Handyman

Insurance-Life

Computer Web Design

Carpet Cleaning

Plumber

Water Services, Systems, Treatment

Interior Design

Jewelry

Coaching, Business/Personal

Legal Service Plans

Restaurant

Attorney

Security Systems

Insurance Business. Commercial

Computer Consulting

Computer Sales & Service

Insurance-Supplemental

Accountant

Insurance

Health-Alternative

Home Inspections

Attorney, General Practice

Attorney, Estate Planning

Marketing Services

Dentist

Insurance-Health

Lawn Care & Grounds Maintenance

Phones-Systems & Service

Bookkeeping Services

Embroidery

Cabinets/Closets

Auto Services

Food/Beverage Products

Organizer

Payroll

Attorney, Family Law

Credit Card, Merchant Services

Building Materials

Gift Baskets

Home Improvement

Investment Consulting

Attorney, Business

Waste, Trash Disposal

Video Services

Non-Profit Organization

Business Advisor

Acupuncture

Environmental Air/Water

Rental Items

Insurance-Long Term Care

Home Accesories

Computer Internet Service Provider

Advertising, Radio

Event Planner

Furniture

Gift Lines-Corporate/Catalog

Pet Services

Printing.Cartridge, Ink Refills

Retail Store

Salon

Commercial Property Services

Collections, Commercial and Consumer

Communication & Cable sales

Employment Temp Staffing

Health-Home Care

Office Furniture

Window Cleaning

Kitchen Consultant

Windows

Real Estate, Staging

Greeting Cards

Attorney, Personal Injury

Business Development

Chimney Cleaning

Clothing Women

Hotel/Motel

Moving Company

Writer

Veterinarian

Employee Benefits

Advertising, Magazine

Dry Cleaning/Laundry

Painter, Artistic

Doors

Computer Software Sales-Service

Martial Arts

Wine Sales & Services

Countertops

Mortgage Lender, Reverse

Printing, Specialty

Advertising Agency

Assisted Living

Auto Glass

Building Maintenance and Repair

Scrapbooks

Direct Mail

Hearing Aids & Instruments

Phones-Local

Psychotherapist

Wedding Services

Food/Beverage Services

Mailing Services

Business Communications

Recreation

Glass

Concrete Pouring

Tax preparers

Equipment Sales & Service

Landscaping, Irrigation

Home Improvement. Exterior

Computer Services

Cleaning Products

Clothing Men

Commercial /Ag Builder

Cosmetic Services & Procedures

Counseling Services/Therapist

Environmental Air

Lodging Facilities

Human Resources

Lighting and Accessories

Advertising Directory

Multimedia

Office Supplies

Personal Concierge

Debt Management

Tailoring/Alterations

Medical Products & Services

Gardens, Lawns (Not Landscaper)

Tree Services

Sports Activities

Pools & Hot Tubs Sales/Service

Auto Parts/Accessories

Resurfacing, Ceramic &Tile

Septic Systems, Services

Interior Decorating

Administrative Support

Advertising, TV

Artwork

Attorney, Criminal Defense

Audio/Visual Sales & Rental

Cable TV Service

Computer Internet Services

Electronic Funds Transactions

Golf Products & Services

Speaker, Motivational

Nail Artist

Picture Framing & Art

Property Management

Car Wash

Document Scanning Services

Sporting Goods

Conference Center

Yoga

Homeopathy

NONE

Public Relations

Health-Medical

Crafts

Appearance. Product, Service

Music

Engineer

Attorney, Real Estate

Chef

Loans

Computer Internet Market Place

Coaching, Business

Art Dealer

Auctioneer

Blacktop Paving Masonry

Chamber

Clergy

Computer Training

Data Processing

Electronic Banking

Electronic Specialist

Estate Sales

Funeral Services

Golf Organization

Household Products

Landscape Supplies

Management Consultant

Medical Billing

Mortgage Lender, Commercial

Physical Therapist

Storage

Transportation

Attorney, Trial

Relocation Services

Publisher

Fundraiser

Historical Society

Business Broker

Electrolysis

Workplace Safety

Courier/Messenger Service

Attorney, Labor & Employment

Welcome Services

Appearance. Salon, Spa

Image Consultant

Equipment Leasing, Rental

Fences, Decks, Patio

Voice Message

Child Services-Products

Wholesale Store

Direct Buy Services

Mortgages, Contract for Deed

Event Facilities

Aircraft

Appliance Sales

Appliance Repair

Stone

Fuel Delivery

Errand Services

Well Drilling

Home Improvement, Interior

Engineer, Product Design

Tanning Salon

Copy Writer

Coaching, Personal

Cooking Instructor

Document Services

Business Consulting

Sincerely,

Shawn Gerhardson, Member, BNI Rum River Referrals Group

P.S. Please feel free to bring a business associate with you who may also be interested in finding out how to generate more business through "word-of-mouth" marketing. This organization is really exciting!!!

IF YOU KNOW OF ANY BUSINESS PROFESSIONALS IN THE EAST CENTRAL MINNESOTA AREA, PLEASE FEEL FREE TO FORWARD THIS INVITATION TO THEM. THANKS EVERYONE FOR YOUR HELP IN MAKING THIS EVENT A SUCCESS!!!

http://www.bni-mn.com/

http://www.bni.com/

Home for sale by Owner in Elk River MN

Shawn Gerhardson Minnesota's Home Mortgage Loan Expert (Mortgages Unlimited) — Thu, 30 Oct 2008 10:03:20 -0500

12649 212th Ave
Elk River, MN 55330
Great home in Elk River recently finished basement

Jeannine Wolff

Daytime:	763-519-0800
Evening:	763-519-0800
eMail:	Contact

Price	:	$259,900
Bedrooms	:	3
Bathrooms	:	2
Lot Size	:	2
County	:	Sherburne
Property Type	:	FSBO
Year Built	:	1998

click for more pictures

Property Description

Approx 3 acres w/pond! Lower level has 2 more bedrooms, bath family room. Full walkout. Large master suite has walk-in closet and huge adjoining bath. Gleaming oak floor in entry, kitchen and dining. 2 fireplaces. 3 car garage! Shows brand new!

Potentional Buyers must obtain a pre-approval letter from Shawn Gerhardson with Mortgages Unlimited prior to submitting an offer.

Features List

Finished Basement	Water Softener	Sep Tub & Shower
Gas Fireplace up	Whirlpool Master Bat	Walk Out
Prestine WD FP DN	Kitchen Aide Applian	2.86 Acres
Pond	Lg Master Suite	Lots of Privacy
Elk River School Dis	Mature Trees	No Traffic
Hardwood Floors	See Deer in Bk Yd	Natural Oak Thru-out

Equal Housing Opportunity.

Housing and Economic Recovery Act of 2008 Facts

Shawn Gerhardson Minnesota's Home Mortgage Loan Expert (Mortgages Unlimited) — Wed, 29 Oct 2008 12:33:07 -0500

Housing and Economic Recovery Act of 2008 Facts

Q. When did the program start?

A. The program started in October 2008 and will continue until September 30th 2011.

Q. How does this help struggling homeowners stay in their home?

A.Through the Federal Housing Administration or (FHA) it estimated that 400,000 of families in danger of losing their homes will be able to finance into a more affordable Government insured mortgage. The program offers Government insurance to lenders who voluntarily reduce the at risk mortgages to at lease 90% of the property's current value.

Q. How do Homeowners qualify?

A. To be eligible to qualify for the program the homeowner must:

Have a loan on an owner occupied principal residence. (No investment or secondary homes qualify.)
Have a monthly mortgage payment greater than a minimum of 31% of the borrowers total monthly income.
Certify that they have not intentionally defaulted on their existing mortgage and that they did not obtain their mortgage fraudulently.
Not have had any convictions of fraud.

Q. How can a homeowner participate in this program?

A. Homeowners should contact an FHA approved lender. The FHA approved lender will determine the size of a loan that the borrower can reasonably repay and that meets the requirements of the program. If the current lender agrees to write down the existing mortgage and make the new loan affordable, the FHA lender will pay off the discounted existing mortgage.The new loan must be a 30 year fixed rate.

Q. Do all lender have to participate in the program?

A. NO. The program is voluntary for lenders loan services and borrowers.

Q. Isn't this just a way to bailout speculators, investors, homeowners and lenders?

A. NO. It is tailored to help keep families in their homes. Remember:

Only Primary residences are eligible
Lenders must take big losses before they can participate. The owner of the old mortgage can get a maximum of 90% of the current value of the home which more than likely will be much less than the original value of the loan.
Lenders must waive penalties and fees and must pay for the origination and closing costs of the new loan.
FHA will get a portion of the future profits on the home to make sure that the Government and Tax Payers recoups it's investment long term.
Foreclosed homes a significant impact on the value of everyones home so helping to prevent them is in everyones best interest.

Helpful Links

Main sites www.hud.gov www.fha.gov

Who to contact at FHA http://www.hud.gov/offices/hsg/contacts.cfm

HUD Approved Counseling http://www.hud.gov/offices/hsg/sfh/hcc/hcs.cfm

FHA Secure Info http://www.fha.gov/about/fhasfact.cfm

FHA Streamline http://www.hud.gov/offices/hsg/sfh/203k/203kslrp.cfm

Qualifying Ratios http://www.hud.gov/offices/adm/hudclips/letters/mortgagee/05-16ml.doc

FHA Keyword List http://www,hud.gov.offices/hsg/keywords.cfm

How To Buy A HUD Home http://www.hud.gov/homes/

Sign up for HUD Newsletters http://www.hud.gov/offices/hsg/sfh/ref/hsregst.cfm

FHA Resource Center http://www,hud.gov/offices/hsg/sfh//fhasourcectr.cfm

Infotmation provided by Shawn Gerhardson. A Mortgage loan Officer with Mortgages Unlimited in Minnesota

FHA Down Payment Assistance Programs are Going Away!!!!!!!

Shawn Gerhardson Minnesota's Home Mortgage Loan Expert (Mortgages Unlimited) — Thu, 24 Jul 2008 10:00:07 -0500

I have some important news to share with you regarding FHA financing.

There is a bill that was introduced by Chris Dodd (D) regarding many items with FHA financing.

It has already passed through the House and should pass through the Senate soon as well. Republicans tried to filibuster the bill but President Bush said he would not veto the bill so the chances of that happening are very slim.

Although there are some very good things in the bill there is one major item that will affect many new Homeowners. This bill will totally eliminate down payment assistance as of Sep 30 2008 Nehemiah, Ameridream, Preferred Program all of them. At this point we have to face the reality that those programs will be gone unless there is a miracle.

If you have clients that need down payment assistance they need to act fast. The new law will require that they come up with a minimum of 3.5% for down payment.

Here are the major components:

1. FHA Changes

Mortgage limits for high cost areas will be increased to $625,000 on a permanent basis (115% of the current conforming limit).

The FHA floor will go from 48% to 65% of the current conforming limit. This will put the new permanent floor at $271,000.

Cash down payment is set at 3.5%.

The seller funded down payment assistance program (DPA) will be terminated on September 30.

The risk based premium established by HUD last week will be suspended on September 30. The ceiling on upfront premiums will go to 3%.

2. Fannie and Freddie

The conforming loan limit will be increased to 115% of area median up to $625,000.

The bill provides for a federal "backstop" for Fannie and Freddie which allows the Treasury to capitalize the companies by taking an equity stake.

A new regulator with enhanced powers is created.

The bill creates an affordable housing trust fund paid for by assessments on Fannie and Freddie to help prevent foreclosures and facilitate affordable housing

3. FHA Rescue Fund

The bill creates a special FHA refinance program designed to allow the refinance into fixed rate FHA products of up to $300 billion in distressed mortgages.

4. Licensing

Encourages a nation wide licensing and registry system for loan originators by setting minimum qualifications and assigning responsibility to HUD for establishing new rules for those states that do not enact licensing laws.

5. Redevelopment of Foreclosed Properties

Provides $4 billion in funds for local governments to purchase and redevelop foreclosed properties.

6. Tax Incentives

Establishes a range of housing incentives, including a first time homebuyer tax credit and expands the Low Income Housing Tax Credit.

There is a great deal of detail in this complex bill and we will update you as more information is available

Own A Piece of History in Cambridge Minnesota

Shawn Gerhardson Minnesota's Home Mortgage Loan Expert (Mortgages Unlimited) — Fri, 18 Jul 2008 08:45:28 -0500

237 2nd Ave SW
Cambridge, MN 55008
Outstanding Commercial Building in Cambridge!

Carrie Gibbs

Office::	763-689-3593
Cell::	763-245-6431
Website:	Visit Website

Price	:	$749,000
Bathrooms	:	3
Square Foot	:	13,000
Lot Size	:	18,750
County	:	Isanti
Property Type	:	Income
Year Built	:	1950
MLS Number	:	3532779

click for more pictures

Property Description

"Court House Square", the original Isanti County Court House building, was built in 1887 with a 20x52 poured concrete addition built in the late 1950s. Completely remodeled into 11 units w/handicap access (could be 15+ units). Bathrooms on all three floors, elevator, newer windows, soffits/facia and more. Ample parking with great downtown location and meticulously maintained. Parking around building, public lot to the East.

Unique opportunity to own a piece of history and a building that will stand longer than others! Please call Carrie Gibbs for all showings @ 763-245-6431. Call for supplemental information about existing leases, upgrades, utilities, National Registrar details/benefits and more. Original building is on the National Registrar for Historic Buildings.

Features List

2 blks off Main St	Aluminum facia	Build to last!
New elevator '96	Aluminum soffits	Units are leased
R-44 ceiling insul	Aluminum window trim	Historic Building
R-24 wall insul	Alumimum gutters	Remodeled thru-out
Rewired to code	Traco dbl hg windows
Class 5 audio/visual	Handicap accessible
New A/C units	Great location!

Equal Housing Opportunity.

CENTURY 21 Moline Realty : 202 S. Main Street - Cambridge MN 55008 : 763-689-3593

For home mortgage financing on this or any other home loans in Minnesota contact Shawn Gerhardson with Mortgages Unlimited in Minnesota. "Minnesota's Preferred Mortgage Lender".

Gracious Victorian Home in Cambridge Minnesota!

Shawn Gerhardson Minnesota's Home Mortgage Loan Expert (Mortgages Unlimited) — Fri, 18 Jul 2008 08:41:11 -0500

621 Rum River Drive
Cambridge, MN 55008
Gracious Victorian Style Home on the Rum River

Mary Kay Thomas

Office:	763-552-0670
Mobile:	763-286-6250
Website:	Visit Website

Price	:	$699,000
Bedrooms	:	5
Bathrooms	:	7
Square Foot	:	6,404
Lot Size	:	1
County	:	Isanti
Property Type	:	Detached
Year Built	:	1992
MLS Number	:	3338741

click for more pictures

Property Description

Gracious Victorian Style Home on the Rum River. 6 Panel doors exquisute moldings trim detail. Master Ste on Main, Lg 4 Brs on 2nd level+ Library. Lower Lvl FR + in Law Apt. Gorgeous cherry staircase. See Supp & virtual tour.

Equal Housing Opportunity.

Remax Associates Plus : 268 South Garfield St Suite #1 - Cambridge MN 55008 : 763-552-0670

For home mortgage financing on this or any other home loans in Minnesota contact Shawn Gerhardson with Mortgages Unlimited in Minnesota. "Minnesota's Preferred Mortgage Lender".

Great starter home in Ramsey Minnesota

Shawn Gerhardson Minnesota's Home Mortgage Loan Expert (Mortgages Unlimited) — Fri, 18 Jul 2008 08:37:43 -0500

14090 Dysprosium St NW
Ramsey, MN 55303
Great Starter Home

Wanda Wint

Office:	763-438-9000
Website:	Visit Website

Price	:	$129,900
Bedrooms	:	3
Bathrooms	:	2
Square Foot	:	1,511
County	:	Anoka
Property Type	:	Detached
Year Built	:	1987

click for more pictures

Property Description

3 bedroom, 2 bath, 2 car garage, deck, fenced yard, security system, large kitchen/dining room, lower level family room and office. Great buy!

Equal Housing Opportunity.

Counselor Realty : 951 Hillwind Rd - Fridley MN 55432 : 763-438-9000

For home mortgage financing on this or any other home loans in Minnesota contact Shawn Gerhardson with Mortgages Unlimited in Minnesota. "Minnesota's Preferred Mortgage Lender".

Great Value on a home in Minneapolis!

Shawn Gerhardson Minnesota's Home Mortgage Loan Expert (Mortgages Unlimited) — Fri, 18 Jul 2008 08:32:44 -0500

5128 Xerxes Ave N
Minneapolis, MN 55430
This Home is a Great Value

Michelle & Wanda

Office:

763- 572-8000

Price	:	$149,900
Bedrooms	:	3
Bathrooms	:	2
Square Foot	:	1,581
Lot Size	:	5,375
County	:	Hennepin
Property Type	:	Detached
Year Built	:	1955

click for more pictures

Property Description

This well maintained 3 bedroom rambler is in a convenient location. It is within blocks of a wildlife area and ponds and it is on a nicely manicured lawn. There are hardwood floors in the main floor bedrooms and laminate floors in the kitchen. With the updated electric, newer roof, siding and windows and a freshly painted front door, this home offers a lot for the price!

Equal Housing Opportunity.

Counselor Realty : 951 Hillwind Rd NE - Fridley MN 55432 : 763- 572-8000

For home mortgage financing on this or any other home loans in Minnesota contact Shawn Gerhardson with Mortgages Unlimited in Minnesota. "Minnesota's Preferred Mortgage Lender".