fastclosingnow: Give Your Home An Instant Face-lift, Wallpaper Is Back! - 04/09/14 09:24 AM
Though it can be an entirely different story for a trend shift in the opposite direction, which then requires you to get out the soaking bucket and scraping tool, wallpaper coming back into style is a home décor blessing for many.
Wallpaper is back in - in a big way! - and it's making your dreams of accomplishing a fashionable living space come true much faster and easier than you could have imagined.
Quite frankly, wallpaper can do the "fashionable home" trick to virtually any room in your house, adding that touch of warmth and personality you've so far only seen … (0 comments)

fastclosingnow: Millennials Have Great Homebuying Tools Available To Them! - 04/09/14 09:12 AM
The economy seems to be finally turning, and home loan interest rates are still historically low. Real estate values are starting to climb as well, all of which makes for a growing opportunity for new homeowners to get into the market before it gets too expensive again.
Millennials Don't Seem To Be On Board:
They represent the next generation of homebuyers, but a number of barriers can seem to be smack in the way, discouraging many. Yet there are ways around these issues.
According to the Boston Globe, only 32 percent of Millennials are homeowners in 2014, either with a house … (0 comments)

fastclosingnow: Are Interest Rates On The Rise - What's The Next Move? - 04/02/14 08:06 AM
As the federal reserve continues to taper quantitative easing measures, financial experts project mortgage interest rates will climb in the next two years. Could this be the much awaited ray of light at the end of the proverbial tunnel for builders and investors or will it drive hesitant home buyers to dig in and shelter in place?
Homeowners who are vacillating between refinancing for a lower interest rate and staying the course may find the time has come to make a decision.
Shrinking unemployment numbers and rising retail sales figures signal that the economy is improving. Even if no one is … (0 comments)

fastclosingnow: Important Legal Tips For Homeowners! - 04/02/14 07:56 AM
Being a homeowner is exciting. It can be financially rewarding, too. Unfortunately, it can also put you in a tough legal position. Between the complexities of owning a house, having to deal with lenders and the risk that comes from owning something valuable, keeping yourself legally protected is a good idea.
Here Are Some Risks -- And Some Ways To Handle Them.
HOAs. If you own a condo, townhome or other property in an association, the homeowner association is extremely powerful. Not paying their dues, violating their rules, or doing just about anything else to end up on the wrong side of … (0 comments)

fastclosingnow: Get Your Lawn Ready For Spring:) - 03/28/14 03:50 AM
If you live in a climate where your yard has been hibernating for months, then you're probably ready for warmer weather and a hint of green outside your kitchen window.
So, in preparation for children running on lush grass through spritzing sprinklers, use the five tips below to get your lawn ready for spring. It will reward you with picnic perfect grass all summer long.
1. Clean Up Winter's Clutter:
Take a rake and remove all of the dead leaves and debris left over from the winter months. Leaving a layer of last-year's foliage on the ground can smother your grass … (1 comments)

fastclosingnow: S & P Case-Shiller Shows Home Prices Down For Third Consecutive Month. - 03/28/14 03:44 AM
Harsh winter weather conditions contributed to home prices falling in January. The S&P Case-Shiller 20-City composite index reported that home prices dropped by 0.10 percent in January, but after seasonal adjustments, home prices increased by 0.80 percent in January as compared to December. 12 of 20 cities posted declines in home prices in January.
There's no cause for alarm, as year-over-year home prices increased by 13.20 percent as compared to year-over –year readings of 13.40 percent in December and 13.70 percent in November. David Blitzer, chair of the S&P Dow Jones index committee, said "The housing market is showing signs of … (0 comments)

fastclosingnow: BUSTED: 4 Myths About Buying Your Home That Just Aren't True! - 03/28/14 03:37 AM
It can be pretty intimidating to dip your toes into the realm of home ownership, especially if you're a first-time homebuyer. To make things worse, there are a number of myths floating around out there surrounding the home buying process.
Such misconceptions have many kept many would-be homeowners from realizing the personal and financial rewards of owning a property. To clear things up, here are 4 myths about buying your first home that simply aren't true.
Myth #1 - "It's Cheaper To Rent Instead Of Own":
If you buy a property that is within your budget and your mortgage terms allow you … (0 comments)

fastclosingnow: FOMC Statement Shows "Moderate" Economic Growth! - 03/28/14 03:29 AM
The Federal Reserve's Federal Open Market Committee met last week and Janet Yellen held her first press conference as Fed chair. According to the FOMC statement released after the meeting, the Fed cited severe winter weather conditions as a reason for slow economic growth in recent months.
FOMC members will continue to monitor economic conditions and developments as part of any decision to change the Fed's change monetary policy. Highlights included:
"Moderate" Economic Growth; Asset Purchases Reduced For April:
FOMC made the predicted cut to its asset purchase program and reduced April's purchase of mortgage-backed securities and Treasury bills to $55 … (0 comments)

fastclosingnow: Kick Clutter to the Curb With These Home Cleaning Tips! - 03/28/14 03:21 AM
Spring is around the corner, and it's time to get your home in order!
Spring cleaning can be fun and easy if you follow some general guidelines, which are sure to get your home ready for the nice weather and looking as beautiful as the weather is about to. Kick the winter clutter to the curb with these spring cleaning tips.
Start With The Closets:
Spring is here, and winter wear is no longer needed! It's time to box up all of the winter boots, jackets, gloves, and scarfs until next season.
Starting your spring clean with your closets is a … (0 comments)

fastclosingnow: NAHB Housing Market Index Ticks Upward. - 03/20/14 07:19 AM
Spring is here, and the National Association of Home Builders Housing Market Index (NAHB HMI) thawed slightly in March.
The current reading of 47 is one point higher than for February, but still indicates pessimism among a majority of builders surveyed. Analysts expected a March reading of 50.
The gauge of builder confidence stayed near its lowest level since May.
March's NAHB HMI reading remained below the benchmark reading of 50, which indicates that an equal number of builders are positive about housing market conditions as those who are negative.
A reading over 50 indicates that more builders are positive than … (0 comments)

fastclosingnow: 4 Important Questions To Ask Before Refinancing Your Mortgage. - 03/20/14 07:03 AM

So you are thinking of refinancing? Well you are in luck because I have 4 quick and important questions you should ask yourself before doing so.
1) Do I Have Enough Equity To Get A Mortgage?
To get a conventional loan, you will usually need to have at least 20 percent equity. This means that your house will have to be worth at least $250,000 to get a $200,000 loan.
If you have less equity, you could end up having to pay for private mortgage insurance, which can easily add $100 or more to your monthly payment.
2) How's My … (1 comments)

fastclosingnow: Make Your Home Green This St. Patrick's Day - 03/20/14 06:42 AM
You're ready to make some changes to your home, but you want to be smart with your money and see a positive return on your investment.
While most homeowners don't see that return until they sell their home, you can start seeing the benefits now through conserving energy by making your home green.
So in honor of the green holiday, stop searching for that pot of gold. Get inspired by St. Patrick's Day to go green to cut your energy costs with the environmentally friendly renovations below. You'll soon see the savings building up at the end of the rainbow.
Use … (0 comments)

fastclosingnow: Legal Secrets For Homeowners. - 03/19/14 05:00 AM
Being a homeowner is exciting. It can be financially rewarding, too. Unfortunately, it can also put you in a tough legal position.
Between the complexities of owning a house, having to deal with lenders and the risk that comes from owning something valuable, keeping yourself legally protected is a good idea.
Here Are Some Risks And Some Ways To Handle Them:
HOAs. If you own a condo, townhome or other property in an association, the homeowner association is extremely powerful. Not paying their dues, violating their rules, or doing just about anything else to end up on the wrong side of them … (0 comments)

fastclosingnow: Financial Preparations You Should Make Before Applying For A Mortgage? - 03/19/14 04:51 AM
Getting a mortgage isn't an easy thing to do. Before a lender will put down tens of hundreds of thousands of dollars, it wants to know that the borrower can handle the loan so that it will get paid back. to this end, there are three things that a potential homebuyer can do to prepare for the mortgage approval process.
Managing Debts:
For many homebuyers, managing their credit score is the biggest challenge. Mortgage lenders like buyers with strong credit. While getting strong credit usually isn't something that can be done overnight, paying bills on time, all of the time can … (0 comments)

fastclosingnow: How To Add Color To Your Home Decor Without Going Overboard. - 03/12/14 06:25 AM
There is a fine line between adding color to your home décor and using too much color, so that you feel like you are living inside a rainbow.
A little bit of color will add a lot of fun and interest to your home design, but too much color can be overwhelming. How can you achieve that perfect balance?
Here Are Some Tips To Keep In Mind For Using Color In Your Home In A Subtle And Balanced Way:
Use Color Schemes: Before choosing the colors for your décor, do a little bit of research into color schemes and how they … (4 comments)

fastclosingnow: Don't Make These Mistakes When You Want To Get A Home Loan! - 03/12/14 06:16 AM
Getting a home loan can be a challenging process, and a finicky one. Qualifying can be challenging and once a buyer gets approved, it can be surprisingly easy to derail the process. Here are some mistakes to be avoided:
Not Pre-Checking Credit:
Once a borrower makes his application for a mortgage, his fate is largely sealed. One way to increase the chance of qualifying for a home loan is for a borrower to check his credit before applying. That way, he can address any issues before they become problems for the lender.
Changing Jobs:
Lenders judge borrowers on their ability to … (0 comments)

fastclosingnow: Highest Year-Over-Year Increase In Home Prices Since 2005. - 03/12/14 06:02 AM
Two major indicators of home price trends showed a slowing momentum for home prices in December. The S&P Case Shiller 10 and 20 city indices reported that of 20 cities tracked, home prices were lower in December than for November.
Case-Shiller’s seasonally adjusted month-to month reading showed that home prices rose by 0.8 percent as compared to 0.90 percent in November.
David Blitzer, chairman of the index committee at S&P Dow Jones Indices, said that “Gains are slowing from month-to-month and the strongest part of home price recovery may be over.” He also noted that seasonally adjusted data was showing a … (0 comments)

fastclosingnow: What Is A Mortgage Pre-Qualification? - 03/12/14 05:51 AM
A mortgage pre-qualification is an initial estimate of what type of mortgage a borrower could get. It is limited, though, because it's only based on what the borrower tells the lender, which might not be the same as what the lender finds out when it goes through a full process of analyzing the borrower and his credit.
Steps Of A Pre-Qualification:
To get pre-qualified, a borrower starts by finding a lender. Typically, he will give the lender basic information on his ability to borrow. This includes his income, how much money he has in the bank, his current payments and an … (0 comments)

fastclosingnow: How To Make Your Home Look More Luxurious On A Budget. - 03/12/14 05:28 AM
Have you been looking through home décor magazines and gazing with wonder at the gorgeous homes inside? Do you want to add a touch of elegance and luxury to your home, but you are on a tight budget?
No need to worry, there are many ways that you can make your home look like a million bucks, without actually having to spend a fortune.  
Luxury Home Decor Ideas:
Here are a few great ideas that don't have to cost a lot, they just require a little bit of planning and some elbow grease and they will take your home from … (1 comments)

fastclosingnow: Case Shiller Price Index Shows That It's A Buyers Market. - 03/12/14 05:01 AM
Two major indicators of home price trends showed a slowing momentum for home prices in December. The S&P Case Shiller 10 and 20 city indices reported that of 20 cities tracked, home prices were lower in December than for November.
Case-Shiller's seasonally adjusted month-to month reading showed that home prices rose by 0.8 percent as compared to 0.90 percent in November.
David Blitzer, chairman of the index committee at S&P Dow Jones Indices, said that "Gains are slowing from month-to-month and the strongest part of home price recovery may be over." He also noted that seasonally adjusted data was showing a … (0 comments)

 
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David Kosmecki

Osseo, MN

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