David's Blog

Follow me
Mortgage and Lending - Bay Equity - Bay Equity NMLS #76988
My blog will try to provide you insights into mortgage lending, my prospectives into the real estate market and general information. I provide this based upon my 39+ years in the real estate, building and now for the past 23 years the mortgage industry.



Have you ever heard the saying, "You never get a second chance for a first impression?" If you have a Plymouth home for sale, it is important to appreciate the significance a first impression has on your potential buyer.  When buyers drive up to your property and take their first look at your ho...
The National Association of REALTORS® released its monthly Existing Home Sales report on March 21 and gave investors and home sellers something to cheer about.  While February sales of existing homes didn't meet investor forecasts of 5.00 million homes sold on a seasonally adjusted annual basis,...
You've finally made the decision and are moving to a new city. And while a move can be an exciting new adventure - new work, new friends, new life experiences - moving to a new home is a big deal, especially for a young child. They might not understand what is happening, and even feel apprehensiv...
The first sign of mold you notice may be a musty smell in your home. After looking around, you spot what looks like mold -- don't panic! You can remove unhealthy mold from your house without it costing a small fortune. Check To Be Sure It's Really Mold: Mold can look many different ways, which d...
The Federal Reserve's statement after yesterday's Federal Open Market Committee (FOMC) meeting left no doubt as to the Fed's dual commitment to keeping long term interest rates down and encouraging economic growth. No changes to the Fed's current bond-buying program were made during today's FOMC...
The National Association of Home Builders (NAHB) released its NAHB/Wells Fargo Housing Market Index for March on Monday. The HMI measures builder confidence in the market for newly constructed single family homes. A reading of 50 for the NAHB Housing Market Index (HMI) indicates that more builde...
Staging is the art of preparing your Minneapolis home for sale before showing it to prospective buyers. The point of staging is to highlight the house's strengths, downplay its weaknesses and make it more appealing. With the right decorating techniques, you can win buyers over the moment they st...
When you are looking to buy a home, it is important to keep in mind that no real estate price is set in stone. There is always room for negotiation, and with the right techniques you may end up saving thousands of dollars on your dream house. However, it can be tricky to get the right reaction w...
Buying a foreclosed property in Minneapolis and the surrounding area can be different than buying other types of real estate. In many cases you will be able to get a fantastic deal on a home, but you will need to go through quite a bit of work and negotiation. Here are four tips to help you navi...
Last week's jobs report -- a combination of the Department of Labor's Non-farm Payrolls Report and Unemployment Rate -- provided investors and job seekers with unexpected good news. Job growth for February handily exceeded most economists expectations of 160,000 by adding 236,000 new jobs. Accor...

David Kosmecki

Ask me a question
Spam prevention