Minnesota first time home buyers are generally surprised when I take them out looking for homes and show them the affordable West St. Paul Real Estate. The simple fact is that the housing affordability index in Minnesota has not been this low in years. While many renters have only read the negative press about values in real estate, others have seen it from a completely different angle With the incredible combination of lower property values and historic low interest rates will make housing payments quite often lower than rent payments. So if you would like to talk about becoming a MN first time home buyer, I'm eager to talk with you about the possibilities.

To take advantage of the benefits in today's West St. Paul home values, there are three easy steps to get started.

Step 1: Your Goals

There are more things for you to consider when buying a house than simply the monthly mortgage payment. I will want to have a discussion with you what your short and long term goals are for buying a home. After learning more about what you want to achieve we will talk about the types of homes for sale, ideal locations, as well as how to get a great value. Depending upon when you want to move we will talk about whether you should consider buying a short sale, foreclosure, or traditional sale. After our discussion I will set up an automated listing search of all the listings that could possibly meet your needs in the location and price range you desire.

Step 2: Get Preapproved For A Mortgage Loan

Before we go out looking for homes, you need to talk with a mortgage banker. In order to find out how much you can reasonably afford for monthly payments as well as down payments, you will need to get preapproved for mortgage financing. When you talk with your mortgage lender, you will learn about all of the excellent programs available for MN first time home buyers. Did you know that there are down payment assistance programs for West St. Paul first time buyers that can help you put as little as $1,000 down? The only way to determine your eligibility is to get preapproved for a loan.

Step 3: Let's Start Looking At Houses

Once you have been through the process of getting preapproved we can start looking at property listings. After looking at so many homes on the internet, this is the fun part of the whole process. We will look at as many homes as it takes before you find the one that ideally suits your needs.

West Saint Paul Community Information

The city of West Saint Paul is located just south of the state capitol of Minnesota, Saint Paul. The city name is actually derived from the fact that it is on the west bank of the Mississippi River. As a fully developed inner ring suburb of St. Paul, the population of West St. Paul has remained stable at about 19,500 over the past 20 years. Located in Dakota County, Minnesota first time home buyers can benefit from the Dakota County First Time Hom Buyer's Program. If you're interested in buying or selling a home in West Saint Paul please don't hesitate to give me a call.

Are you ready to start with the process of buying your first home? Please take a moment to call or email me and we'll discuss what you want for your West St. Paul home!

Casey Anderson
Sales Executive, Licensed Realtor in Minnesota
IBR Realty
caseyanderson@ibrrealty.com
Cell 651-245-1820
Woodbury, MN 55125
With a focus on Woodbury real estate and surrounding communities.