buying a home: Vacation Home? 6 Tips for Buying a Home/Condo for Relaxation & Vacation Use: - 10/16/14 07:19 AM
If you've just returned from the vacation of a lifetime, you probably wish that wonderful time never had to end. When you buy a vacation home or condo, you can guarantee that you have an escape that will provide you with years of enjoyment. Before you take the plunge, though, take advantage of these six helpful tips about buying a vacation home.
Choose Someplace Versatile:
When buying a vacation home, it's all about getting the most out of your investment. Consider choosing a place that you can enjoy throughout the year. Your ideal vacation home will be a haven in the … (0 comments)

buying a home: 3 Items to Watch out for in a Purchase Agreement Contract! - 10/06/14 07:39 AM
The purchase agreement is a vitally important document that outlines the provisions, terms and conditions for the transfer of property.
It should be read carefully and any ambiguities should be clarified prior to signing. It is a legally binding contract between the buyer and seller.
The purchase agreement may vary depending on the location. Most real estate agents use a form that has been approved by a state realtors association.
The seller may have a different version that was drawn up by an attorney. It should not be assumed that they are all the same.
Typically, the purchase agreement will include … (2 comments)

buying a home: How to Avoid Insulting a Home Seller when Making a Low Offer! - 10/06/14 07:27 AM
Buying a home is a huge step for people who are ready to make an investment in their future. Getting a great deal on a home is just as important and knowing how much to offer could be confusing. It is important to make sure the home seller is not insulted by the lowball offer and is ready to negotiate to make sure everyone wins.
Make a List of Necessary Improvements:
One of the best ways to validate a lowball offer on a home is to list improvements that need to be made to the property. If the home needs a … (0 comments)

buying a home: Experiencing 'Purchase Anxiety'? How to Calm Your Nerves Before Buying - 10/06/14 07:17 AM
Whether this is your first big purchase, or your family is moving to a new location or looking for more space, buying a home has its share of ups and downs.
It's perfectly normal to feel anxious about whether or not you've found the right property. Here are some things you can do to make yourself feel more secure with your decision.
Do The Math:
You've probably already done this, but it's okay to go over it a number of times to be sure. Factor in your household income and all the bills you expect to pay every month. Add everything … (0 comments)

buying a home: Here Are Three Traits You'll Want in Your Real Estate Agent. - 08/07/14 04:26 AM
For both buyers and sellers, choosing the right real estate agent is an important and difficult decision, but making the right selection is critical. Consider the following essential characteristics for a real estate agent before signing a contract:
Experience:
An agent must understand the real estate market as well as the practices and processes of buying and selling. While a new agent may have energy and desire, experienced agents will be able to offer insights and experiences which are likely to give their clients the edge in their deal. Experience also indicates negotiating skill.
Of course an agent must be licensed, … (1 comments)

 
David Kosmecki (Sierra Pacific Mortgage)

David Kosmecki

Ramsey, MN

More about me…

Sierra Pacific Mortgage

Address: 20965 South Diamond Lake Rd, Rogers, MN, 55374

Office: (763) 519-1100

Mobile: (763) 519-1100

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