3314 Fox Tail Trail NW, Prior Lake

3314 Fox Tail Trail NW, Prior Lake.

Enjoy the 2 fireplaces, Granite Countertops, Ceramic Tile and Hardwood Floors. There are ceiling fans for the 12′ Ceilings, Jack and Jill bedrooms on the main level, Big closets in the bedrooms, and Central Vacuum. Downstairs you will love the wet bar, exercise room, media room, and more! All of this backing up to open space and located in The Wilds. This one is only available due to the owner relocating.

Property Details

Listing Price: $440,000
Address: 3314 Fox Tail Trail NW
City: Prior Lake
State: MN
ZIP: 55372
MLS #: 4100538
Square Feet: 3330
Bedrooms: 4
Bathrooms: 4
School District: 719 - Prior Lake

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14817 Autumn Place, Burnsville

14817 Autumn Place, Burnsville.

Walk-in closets, whirlpool tub, 2 fireplaces, large walk-in pantry, office on the main level, formal and informal dining, the list goes on. Enjoy views of the wooded back yard from the huge deck. You will be close to everything you need for your executive lifestyle.

Property Details

Listing Price: $239,900
Address: 14817 Autumn Place
City: Burnsville
State: MN
ZIP: 55306
MLS #: 4098948
Square Feet: 4024
Bedrooms: 5
Bathrooms: 4
School District: 196

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20585 Holyoke Avenue, Lakeville

20585 Holyoke Avenue, Lakeville.

Investers are alerted to this one! This farmhouse built in 1890 is ready for a new owner. It is in a great locations close to schools, parks, shopping, and restaurants. The deck above the 2 car garage is perfect for sunning and entertaining. Tenants have a lease through July and are willing to stay if the terms are right. Check this one out!

Property Details

Listing Price: $99,000
Address: 20585 Holyoke Ave
City: Lakeville
State: MN
ZIP: 55044
MLS #: 4114274
Square Feet: 1638
Bedrooms: 4
Bathrooms: 2
School District: 194 - Lakeville

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15951 Hyland Pointe Court, Apple Valley

15951 Hyland Pointe Court, Apple Valley.

This Twin Home is located on a nice lot in a great neighborhood. Fresh paint and carpet throughout make this home almost move-in ready – just add the fridge! Great Value, 2 year Home Warranty, renowned school district and on a dead end road. This Freddie Mac home was repaired with care!

Property Details

Listing Price: $142,500
Address: 15951 Hyland Pointe Court
City: Apple Valley
State: MN
ZIP: 55124
MLS #: 4113229
Square Feet: 1850
Bedrooms: 4
Bathrooms: 2
School District: 196

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6526 Harbor Place NE, Prior Lake, MN

6526 Harbor Place NE, Prior Lake.

Welcome to your beautiful new home on a Large Corner Lot in this high-demand neighborhood! You will enjoy deeded lake access to Prior Lake and a boat dock with canopy! There are Skylights, a Fireplace, a Reading Loft, Whirlpool Tub, Wrap-Around Deck and 2 Master Suites in this home. The association includes a Beach, Tennis Courts, a Pool, and walking paths. You really must see this one!

Property Details

Listing Price: $299,900
Address: 6526 Harbor Place NE
City: Prior Lake
State: MN
ZIP: 55372
MLS #: 4111434
Square Feet: 3336
Bedrooms: 4
Bathrooms: 4
School District: 719-Prior Lake

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PRICE REDUCED ~ 268 Pinewood Drive, Apple Valley

268 Pinewood Drive, Apple Valley.

This beautiful home is located in the coveted 196 School District. Walk to Westview! New bathroom upstairs and fresh paint throughout! The walkout basement steps out onto a gorgeously landscaped patio. Come and see this great home near parks, shopping, restaurants, and more!

Property Details

Listing Price: $169,900
Address: 268 Pinewood Drive
City: Apple Valley
State: MN
ZIP: 55124
MLS #: 4104200
Square Feet: 1950
Bedrooms: 5
Bathrooms: 2
School District: 196

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Down Payment Resource

If you are waiting to buy a home until you have the down payment, we should talk to one of my preferred loan officers and determine whether or not you qualify for Down Payment Assistance. There are funds available in many counties in MN along with Neighborhood Stabilization Programs and Community Funds. There are also down payment funds available through the state.

Check out this link to learn how you can benefit from Down Payment Resource!


Call me today to see if one of these programs will fit your needs!


Learn more about Down Payment Resource

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Real Estate for Today’s Market.

Contact me directly
Brenda Hanson 952.250.3896

bhanson@brendahansonrealty.com
Apple Valley, Minnesota
MN License #40122993
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Follow me on Facebook: Brenda Hanson Realty Follow me on Facebook:
Brenda Hanson Realty

Twin Cities Rental Search is now up and running strong!

We have experienced agents on the team ready to help you transition from Homeowner into Landlord. There is no cost to you for a rental consult! We can meet with you and discuss the Pro’s and Con’s of renting vs. selling in this market.

Because we work with Renters as well as Landlords, we have an understanding of the market from both sides of the transaction. This knowledge along with our experience and integrity helps us fill vacancies in a timely manner. We have a proven record of Tenants becoming Homeowners. We recommend that our Tenants who have a long term goal of Home Ownership consult with one of our Preferred Lenders from the beginning of the process.

We have many service options to choose from. We can help with the complete rental process – preparing the home, marketing for renters, showings/interviews with tenants, tenant selection, background/credit checks, all leasing paperwork, final walk-through, and key turnover. We are also able to tailor our services to YOUR needs, making our services affordable for you.

We are ANNOUNCING Property Management services through IBR as well! With our top of the line accounting system, renters will pay via automatic payments – so no more “the check is in the mail”! Owners and Agents will receive fees automatically as well. Our Accounting Agent has more than 15 years
property management experience!

References are available if desired.

Check out the website or give us a call!

www.TwinCitiesRentalSearch.com

Brenda Hanson at 952-250-3896.
Dean Foerster at 952-484-4722.

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Real Estate for Today’s Market.

Contact me directly
Brenda Hanson 952.250.3896

bhanson@brendahansonrealty.com
Apple Valley, Minnesota
MN License #40122993
-

Follow me on Facebook: Brenda Hanson Realty Follow me on Facebook:
Brenda Hanson Realty

1014 Bush Street , Red Wing

1014 Bush Street , Red Wing.

All three units recently rented and the renters want to stay! This triplex should cash flow at this price. Unblock the main level stariway and this could be a single family with apt downstairs.

Property Details

Listing Price: 129,000
Address: 1014 Bush Street
City: Red Wing
State: MN
ZIP: 55066
MLS #: 4087494
Square Feet: 1821
Bedrooms: 2
Bathrooms: 2
School District: Red Wing

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14228 Dearborn Path, Rosemount

14228 Dearborn Path, Rosemount.

This home is on a corner lot entering a quiet cul de sac in a very desireable location! Fresh paint throughout. Large deck in back for you to enjoy the pond views. 2yr Home Warranty available from the seller.

Property Details

Listing Price: 191,500
Address: 14228 Dearborn Path
City: Rosemount
State: MN
ZIP: 55068
MLS #: 4082813
Square Feet: 1853
Bedrooms: 4
Bathrooms: 2
School District: Rosemount-Apple Valley-Eagan

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15502 Garnet Way, Apple Valley

15502 Garnet Way, Apple Valley.

Beautiful End Unit for sale in high demand area of Apple Valley. Walk-in closet, Vaulted Ceilings, Skylight, and many updates. All appliances stay. Close to everything and well maintained. Come and see!

Property Details

Listing Price: 99,000
Address: 15502 Garnet Way
City: Apple Valley
State: MN
ZIP: 55124
MLS #:
Square Feet: 1390
Bedrooms: 2
Bathrooms: 2
School District: 196

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151 Linart Ave, Dassel

151 Linart Ave, Dassel.

Very nicely remodeled Single Family Home backs to the ball park! This 3 bedroom home is charming and well cared for. Enjoy the sunroom, huge deck, and additional lot next door.

Property Details

Listing Price: 129,900
Address: 151 Linart Avenue
City: Dassel
State: MN
ZIP: 55325
MLS #: 4037821
Square Feet: 1703
Bedrooms: 3
Bathrooms: 2
School District: Dassel-Cokato

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6751 Foliage Court W., Lakeville

6751 Foliage Court W., Lakeville.

Very Nice multi-level townhome close to EVERYTHING. This home is very private, yet minutes from shopping, schools, parks, and bus line. Newer appliances. Two bedroom, two bathroom, with deck and loft area. School district 196 Rosemount-Apple Valley-Eagan. You will love the open feeling and natural light in this beautiful home!

Property Details

Listing Price: $110,000
Address: 6751 Foliage Court W
City: Lakeville
State: MN
ZIP: 55068
MLS #: 4068700
Square Feet: 1958
Bedrooms: 2
Bathrooms: 2
School District: 196

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Property Search on IBR

IBRSearch for a property on the IBR Website.

www.ibrrealty.com Click here to search MLS Listings on the IBR Website for a home or investment.  IBR Realty is the largest independent real estate brokerage in Minnesota with a full compliment of real estate services, yet treating each person as an individual.

Why I chose IBR:

Choosing a Brokerage is not an easy step.  After all of the training and testing to get your license, it is time to begin the research and figure out where to work.  There are so many brokerages to choose from!  So, first of all, what is a Broker and why does an Agent need one?

The Broker, as defined by the Principles of Minnesota Real Estate, fourth edition is “one who is licensed to represent members of the public in real estate transactions for compensation”.  An Agent is “a person authorized to represent another (the principal) in dealings with third parties”. 

More simply, the Broker, as defined by me, is the boss.  In my case, he is the go-to-guy when I have a question or when I get to report my successes.  I, as his agent, represent him every time I am performing any Real Estate transaction for compensation.  He gets to make the rules about how I can represent myself and my clients.   

MN law requires that agents work under a broker and that the broker knows what is going on with the agent at all times.   He/She is responsible to supervise the agent.  He/She must purchase E & O Insurance, handle complaints, store documents, and have a Trust Account set up.  The broker carries the burden of running the office.  As you can see, it is important that the boss is effective.

So, why did I choose IBR?  IBR is the only Brokerage that offers low fees, non-mandatory meetings, and the flexibility I was looking for in both what I charge my clients and how I do my business.  Here are some excerpts from an About IBR Realty flyer:

Established in 1988, IBR Realty is the largest independent real estate brokerage in Minnesota. With more than 230 agents serving the seven-county metro area, we provide superior real estate services that focus on the needs of the homeowner, not the real estate company.  Non-metro agents also serve communities throughout Minnesota and Wisconsin. 

Our corporate headquarters in Chanhassen supports the activities of our neighborhood-based agents as well as satellite offices in the Twin Cities metro area and beyond.  We are one of the fastest growing real estate companies because of our independence and a fierce commitment to protect our client’s best interests.  

My broker, Kevin Sharkey, is available for questions at almost every hour of the day.  Low monthly fees and a generous commission split allow me to build my business.  You just don’t find that anywhere else. 

You can check out more about IBR at www.ibrrealty.com.  You can also do a property search from there.

If you are another agent, you can check out agent info at www.ibrrealty.net.  You may also call me directly and I can tell you more.

When Your Mortgage is Late

When Your Mortgage is Late…

Talking with your Lender when you are behind in your mortgage payments is not an easy thing to do.  However; your lender may be able to help you avoid missing mortgage payments or catch-up on payments you have already missed.

 Here are some suggestions for talking with your lender about the options they may be able to offer you:

Before you call:

  • Open and read your mail from your lender.
  • Find the phone number to call on your mortgage statement or on a recent letter  from the lender.
  • Have your loan number available so your lender can look up your account.
  • Be prepared to answer questions about why you have missed (or will miss)  mortgage payments. They may ask you to provide this in the form of a letter  often called a “hardship letter”.
  • Know how much your monthly household income and expenses are. They may  use this information to do a “financial assessment” to determine what type of workout options may be available to you. You may be asked to provide  documentation like pay stubs or income tax forms.
  • Have a pen and paper handy so you can take notes.

When you call:

  • Write down the date and time of the call, who you talked to, and what they told you.
  • Ask to talk with the “Loss Mitigation” department; this is the department that can talk to you about possible workout options.
  • Tell them your situation and that you want to work with them to bring (keep) your mortgage current.
  • Ask them what type of workout options are available to you. Examples include:
  1. Repayment plan – you pay your regular monthly payment plus some extra to catch up over several months.
  2. Loan modification – you typically have to pay some of the amount owed and then the rest of the amount owed is put back into your loan. This may result in a change in your monthly payment amount.
  •  Ask for any proposed workout to be sent to you in writing before you agree to it.
  • Don’t agree to anything you cannot afford. If you have questions or want a  second opinion, contact a City of Saint Paul Housing Counselor.

 Be sure to document everything very well!

What Home Inspections Cover

What a Home Inspection Should Cover

Home inspections will vary depending on the type of property you are purchasing. A large historic home, for example, will require a more specialized inspection than a small condominium. However, the following are the basic elements that a home inspector will check. You can also use this list to help you evaluate properties you might purchase.

For more information, try the virtual home inspection at www.ASHI.org, the Web site of the American Society of Home Inspectors.

Structure: A home’s skeleton impacts how the property stands up to weather, gravity, and the earth. Structural components, including the foundation and the framing, should be inspected.

Exterior: The inspector should look at sidewalks, driveways, steps, windows, and doors. A home’s siding, trim, and surface drainage also are part of an exterior inspection.

Doors and windows

  • Siding (brick, stone, stucco, vinyl, wood, etc.)
  • Driveways/sidewalks
  • Attached porches, decks, and balconies

Roofing: A well-maintained roof protects you from rain, snow, and other forces of nature. Take note of the roof’s age, conditions of flashing, roof draining systems (pooling water), buckled shingles, loose gutters and downspouts, skylight, and chimneys.

Plumbing: Thoroughly examine the water supply and drainage systems, water heating equipment, and fuel storage systems. Drainage pumps and sump pumps also fall under this category. Poor water pressure, banging pipes, rust spots, or corrosion can indicate problems.

Electrical: Safe electrical wiring is essential. Look for the condition of service entrance wires, service panels, breakers and fuses, and disconnects. Also take note of the number of outlets in each room. 

Heating: The home’s heating system, vent system, flues, and chimneys should be inspected. Look for age of water heater, whether the size is adequate for the house, speed of recovery, and energy rating.

Air Conditioning: Your inspector should describe your home cooling system, its energy source, and inspect the central and through-wall cooling equipment. Consider the age and energy rating of the system.

Interiors: An inspection of the inside of the home can reveal plumbing leaks, insect damage, rot, construction defects, and other issues. An inspector should take a close look at:

  • Walls, ceilings and floors
  • Steps, stairways, and railings
  • Countertops and cabinets
  • Garage doors and garage door systems

Ventilation/insulation: To prevent energy loss, check for adequate insulation and ventilation in the attic and in unfinished areas such as crawlspaces. Also look for proper, secured insulation in walls. Insulation should be appropriate for the climate. Excess moisture in the home can lead to mold and water damage.  

Fireplaces: They’re charming, but they could be dangerous if not properly installed. Inspectors should examine the system, including the vent and flue, and describe solid fuel burning appliances.

Source: American Society of Home Inspectors (www.AHSI.org)