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I was listening to NPR this morning and a financial person of one kind or another was expressing his idea that lowering the interbank rate was a bad thing, as that would encourage the kind of bad loans that got us into this credit mess in the first place. I know a few lenders, and they are now, ...
11/01/2008
Okay, normally I'm not much of a fan of the overuse of question marks, but in this case I'll make an exception. Here's why: I'm working with a client and a few days ago we submitted an offer. It turns out there were thirteen offers on this house. Yes, you read that right. Thirteen. In a buy...
05/05/2008
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A picture is worth a thousand words, and it can be worth a thousand dollars, too. Recent research has shown that the more pictures a listing has, the more quickly it sells, and the higher the sale price! In this particular study, it went like this: Houses with just one picture sold in X numbe...
04/04/2008
Greetings one and all. Question: I live in an area of Minnesota where three counties intersect. One of the major towns is in one county, and so that's my main Active Rain placement. However, I'd really like to be listed in the two other towns nearby which happen to be located in a different co...
04/03/2008
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If you're new to the world of home-buying, loans, and mortgages, there's a new site that's just for you: Mortgage Town. It has easy-to-understand descriptions of what happens during the loan process, how to protect yourself, what to watch for, and what to do after you close on your new home. I...
04/03/2008
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Good People, Rather than have this space empty, let me just say I'm getting ready to do some regular updating on the status of the Mankato area real estate marketplace. Saint Peter, too. It will be monthly, and I'll provide lots of data for you. But since it's only two days from the beginning o...
03/29/2008
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Let's talk timing. A buyer's market like the one we are in now is perfect for two kinds of buyers: renters and buyers who are buying up. Renters for obvious reasons: mortgage rates are low, and so are house prices. If you're renting it doesn't get much better than this. That makes sense, but ...
03/29/2008
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DOLLARS-IN-POCKET ALERT! If you bought a house and you are paying PMI insurance, pay attention:New for 2007, the PMI insurance you paid may be tax deductible. For families with an adjusted gross income for the tax year 2007 of $100,000 or less, every last dollar you paid for your PMI insurance ...
03/27/2008
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The commission you pay a Realtor when he (or she) succeeds in selling your house does not only go to one person or one company. That commission is split between the seller's broker and the buyer's broker, who then pass on their due amounts to the respective agents involved. Traditionally, that...
02/22/2008
Donate to Your Favorite Charity - For Free!After considerable thought, I've decided to share the wealth. If you become my Buyer or Seller client after January 1st of this year, I will donate 10% of my net commission* to the charity of your choice - you pick! All you have to do is take advantage...
01/16/2008
Rainer
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Jim Scheller
ABR, SRS, e-Pro, GRI
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