Welcome to my Web site!
Here you will find a wide variety of useful information and resources designed to help you buy or sell a home more effectively in the Ramsey,Washington,Dakota Counties areas. From information on the local community, to advice about finding a mortgage or preparing your home to sell, it's all available here on my web site.
You can also search for your ideal home by viewing current listings with detailed descriptions and photos. Or you can get help determining the value of your home by requesting a report that includes the prices of similar homes that recently sold or are currently for sale in the Ramsey,Washington,Dakota Counties areas.
So whether you're buying or selling, feel free to contact me and I will be happy to help you with all your real estate needs.
Buyers |
 Whether you're looking for your first home, your dream home or an investment property, I'm committed to providing you with the highest quality buyer service. When making the type of investment that buying a home requires, you deserve to have all the latest market information and the very best advice, both of which I can provide you with. Read more. |
Sellers |
 The decision to sell a home is often dependent on many factors. Whatever your reasons are for selling, my proven effective marketing strategies will ensure that you get the highest possible price for your home. I guarantee to provide you with professional, ethical and confidential service and keep you fully informed every step of the way. Read more. |
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CURRENT MORTGAGE RATES on October 17, 2008:
This fall could be a particularly great time for first-time or buyers long out of the market to jump in, say a variety of real estate professionals. Here are the reasons why: * Prices are probably as low as they are going to go as the market stabilizes, thanks to the government takeover of Freddie Mac and Fannie Mae. * Interest rates are likely to decline as Freddie and Fannie get government help. * The Federal Housing Administration recently boosted its loan limits to $729,750 in expensive areas. It's going to take some of that back come Jan. 1, when the loan limit will shrink to $625,500. Here is a range of current interest rates: * 30 Year fixed range from 6.25% Loan amounts to $417,000. * 20 Year fixed range from 6.125% * 15 Year fixed range from 6% * 30 Year Jumbo fixed range from 8.5% Loan amounts over $417,000 * 15 Year Jumbo fixed range from 8.375% * Adjustable Rates vary from a low of 5.5% Note: Your credit scores, down payment, and closing date will affect these numbers.
The FHA allows down payments of as little as 3 percent, but that will rise to 3.5 percent as of Oct. 1. People scraping dollars together for a down payment should try to set their closing for the end of this month. * The tax credit will shave $7,500 off a first-time buyer’s federal tax bill due April 15. Buyers who don't owe tax, will get the money as a refund. The government's definition of a first-time buyer is anyone who hasn’t owned a home in the last three years. Source: The Washington Post, Elizabeth Razzi (09/07/08)
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