All About Minnesota Real Estate

By Joe Metzler, Sr Loan Officer
(Cambria Mortgage)
Minneapolis, MN: It’s no secret that our world operates on the principle of instant, fast and seamless. To be expected… Client, realtor and lender expectations are built on the same foundation. As a company, we are proud to offer the tools and technology that allow us to meet and exceed the expectations of the modern consumer. We have what clients, realtors and lenders are raving about… The Cambria Mortgage Mobile App. To continue to offer the absolute best experience possible as the industry rapidly changes, we launched a brand new mobile app and online loan application in the beginning of 2021. Here are just a few of the main features of the Cambria Mortgage Mobile App that have buyers and industry leaders hooked:Flexible Loan ApplicationUsing the Cambria Mortgage Mobile App, clients ...
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By Frank Nute, Tax Resolution Solution Leader
(RTI Solutions Inc.)
Over the past 18 months, many hardworking people and businesses have suffered economic losses through no fault of their own.  Some have failed to file tax returns or even pay their taxes.  During the pandemic, the IRS temporarily ceased collection activity.  Due to increased funding and a need to pay for some government actions, the IRS is ramping up their collection efforts.  Using a myriad of techniques including artificial intelligence (AI), the IRS is identifying and pursuing high income (over $100,000 income) non-filers. The IRS is a collection agency, they have many tools at their disposal, the most effective of which are liens and levies.   So, what happens when your client’s assets are encumbered by a Notice of Federal Tax Lien, and they want to sell their house?Take a deep brea...
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By Joe Metzler, Sr Loan Officer
(Cambria Mortgage)
Minneapolis, MN: If you’re like many millennials, this pandemic has made you reevaluate your current living situation and wonder if you are ready for a home of your own. It’s been an eye-opening year for sure. Despite being the group affected most by the economic downturn, millennials remain motivated to make a move. 2020 was a record-setting year when it comes to mortgage originations, especially among Millennials. In fact, in September, the Ellie Mae Millennial Tracker reported that 61% of all purchase loans this past July were made by homebuyers between the ages of 21 and 40. That’s a huge number, and an even bigger indicator of what’s next for the housing market. Here’s some things Millennials should know going into 2021:1) You’re likely more ready to purchase a house than you think...
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By Joe Metzler, Sr Loan Officer
(Cambria Mortgage)
Minneapolis, MN: When in need of home financing, most people have no idea who to turn to for their mortgage.  Old school advertising, like radio and TV are still around, but in the digital age, we are now bombarded with ad's for mortgage companies all over the internet, and all your social media platforms, which can lead you to fall for the myth of better mortgage deals with big outstate internet lenders.So is it good to use a big internet lender?Will you get your loan?  Sure, but the reality is that most mortgage deals from the big internet lenders are actually worse, not better, than your local mortgage lender. Lots of advertising doesn't mean they have great rates. It usually just means they probably don't, as they have to charge you higher mortgage rates and closing costs to pay for...
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By Joe Metzler, Sr Loan Officer
(Cambria Mortgage)
How much do I need for down payment when buying a home is a super common question, especially for first time home buyers.Unfortunately, there is no quick answer, as it varies based on many factors including loan type, property type, and credit scores. The easiest answer for most people is to not try figuring it out on your own, and to simply connect with a Cambria Mortgage Loan Officer to quickly review your personal situation, to get your personal answer.Basic down payment options include: Zero down payment for VA loans for our military personal, and for USDA rural housing loans. Standard conventional 30-yr fixed rate loans start at just 3% down, but you get better deals with bigger down payments. FHA loans start at just 3.50% down payment. Popular Minnesota down payment assistance loa...
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By Joe Metzler, Sr Loan Officer
(Cambria Mortgage)
Minneapolis, MN: You've all heard mortgage interest rates are low. Quit throwing money away each month, and refinance with Cambria Mortgage.You can even take cash out for anything you want.Apply at https://tinyurl.com/ntt9zfk About Cambria MortgageOwned and operated by the family that provides luxury natural quartz surfaces, Cambria Mortgage is committed to the same standards of service, quality and integrity. A family-owned business in Minnesota, Cambria is the leading producer of quartz surfaces in North America. Cambria Mortgage is headquartered in Eden Prairie, MN. As a full service mortgage company, they offer a wide array of products, including Conventional, FHA loans, VA loans, Rural Development loans, and even Non-QM loans, like asset based loans, or bank statements for income p...
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By Joe Metzler, Sr Loan Officer
(Cambria Mortgage)
ST PAUL, Minn., April 28, 2021 — Hometown mortgage lender Cambria Mortgage is pleased to announce the launch of the Cambria Mortgage Mobile App.With the introduction of this new secure and encrypted technology, borrowers can apply for a home loan in as little as five minutes directly from their smartphone. They are able to scan and upload documents securely with their phone’s camera; receive push notifications to stay on top of  the status of their loan as well as outstanding tasks; explore different loan scenarios; and easily connect with their Mortgage Loan Officer and Real Estate Agent. With the Cambria Mortgage Mobile App, our fully licensed Mortgage Loan Officers can work more efficiently and collaboratively with all team members leading to faster turn-times and shorter closing dat...
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By Joe Alabi EA, Tax Resolution Specialist - Help with IRS Problems
(FishCoin Tax Solutions)
I have just uploaded a 5min video on how to set up a payment with the IRS?There are 4 types of payment plan that the IRS offers, certain conditions have to be met. Here is the linkhttps://youtu.be/n9OUuAyN72gIf you or someone you know owe back taxes or needs help in setting up a payment plan with the IRS .Please feel free to contact me by phone  612 516 5878 or through email at joe.alabi@fishcontax.comJoe Alabi EA MAcct(Taxation)FishCoin Tax Solutions4124 Quebec Aven 
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By Joe Metzler, Sr Loan Officer
(Cambria Mortgage)
Home Shopping Tips in a Sellers MarketHands down, house hunting tends to be one of the most exciting parts of the home buying process. However, being unprepared can really take away from the experience. To ensure you have the best home buying adventure possible, we’ve cultivated 5 hacks that will have you house hunting like a pro. Hack #1 Be Specific & SelectiveYour time is extremely valuable, especially in this market. Before you are out and about looking at homes, make sure you are being selective with your choice in prospective properties. If you recognize that you absolutely need 3 bedrooms in a certain school district, search with those parameters in mind! You need to know what you are looking for and exactly how much you can afford.Connecting with a Joe Metzler Team Loan Officer a...
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By Joe Alabi EA, Tax Resolution Specialist - Help with IRS Problems
(FishCoin Tax Solutions)
Hello, I have just uploaded a 2min video on how to remove an IRS bank Levy?A taxpayer needs to realize is that a bank levy only attaches to what is in the bank account at the moment the levy hits.  Amounts deposited afterward, even the very next day, are not subject to the levy. Here is the linkhttps://youtu.be/p-TcoNYHXSU If you have any questions or concerns about how to release an IRS bank levy in the Twins Cities, MN, I would be happy to help.  Please feel free to contact me anytime at (612) 516 5878  or e-mal at joe.alabi@fishcointax.com
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By Joe Metzler, Sr Loan Officer
(Cambria Mortgage)
Mortgage interest rates are hovering near historic lows. Your phone, email, and mailbox are full of offers from lenders nationwide all promising great rates.You may have even accidentally responded to some ad promising rates so good, even good couldn’t get them. Only to find out it was really just an aggregate site like Lending Tree who isn’t even an actual lender. Rather, they bait you with awesome rates, then sell your information to multiple real lenders, who all now telemarket you to death.Refinancing makes sense, so who do you pick?It is well documented that your best deals are usually at your local non-bank lender / mortgage broker. While it may seem counter-intuitive, but using your current lender is usually never a deal.BEWARE of mortgage lenders creating a sense of urgency, and...
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By Stieg Strand, Always showing up and working hard for you
(RE/MAX Results)
This Spring 2021 market is the strongest seller-driven market.Homes in fair condition (and reasonably priced), are typically receiving:-Multiple Offers (in some cases 15 - 20 offers) (that is not a typo...there are just so few homes on the market for buyers to choose from, especially in the mid and lower price ranges.) -"Appraisal Gap" Coverage in Cash-Most homes selling 6-12% over list price-Increased Earnest Money-Seller Dictating Extended Closing Dates-Waived or Reduced Buyer InspectionsThis has become the "new normal", at least with the the current market cycle...as the forecast below suggests, it appears that this year will likely set another record with historically low interest rates, number of homes sold, and record high prices. CLICK HERE FOR THE FULL REPORT 
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By Stieg Strand, Always showing up and working hard for you
(RE/MAX Results)
This Spring 2021 market is the strongest seller-driven market.Homes in fair condition (and reasonably priced), are typically receiving:-Multiple Offers (in some cases 15 - 20 offers) (that is not a typo...there are just so few homes on the market for buyers to choose from, especially in the mid and lower price ranges.) -"Appraisal Gap" Coverage in Cash-Most homes selling 6-12% over list price-Increased Earnest Money-Seller Dictating Extended Closing Dates-Waived or Reduced Buyer InspectionsThis has become the "new normal", at least with the the current market cycle...as the forecast below suggests, it appears that this year will likely set another record with historically low interest rates, number of homes sold, and record high prices. CLICK HERE FOR THE FULL REPORT 
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By Joe Alabi EA, Tax Resolution Specialist - Help with IRS Problems
(FishCoin Tax Solutions)
I represent taxpayers in Minneapolis, Minnesota and all the 50 States in the United State before all administrative levels—examination, collection, and appeals—of the Internal Revenue Service (IRS).If a taxpayer owes money to the IRS, there is already a tax lien against them and all their assets, including those assets they acquire in the future.  The IRS often files a public notice to let all other creditors know that money will be paid to the IRS first, and that other unsecured creditors will be behind the IRS in priority. This filing is referred to as a Notice of Federal Tax Lien (NFTL), which is a public document filed to alert third parties that the taxpayer owes the IRS money.There are few options to get a lien remove so that a taxpayer you can their sell your home or refinance ev...
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By Joe Alabi EA, Tax Resolution Specialist - Help with IRS Problems
(FishCoin Tax Solutions)
Hello Everyone, I just uploaded a video to youtube on how much you should offer the IRS or State to settle your back taxes. Here is the link.https://youtu.be/ExZKrQwMiz0 
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By Joe Alabi EA, Tax Resolution Specialist - Help with IRS Problems
(FishCoin Tax Solutions)
Hello, I have just uploaded a video on youtube on how to file back taxes? Here is the linkhttps://youtu.be/qZ5zq4qQZPg If  you or someone you know have years of unfiled taxes, Please feel free to call or  612516 5878 or email me at joe.alabi@fishcointax.com Joe Alabi EA MAcct (Taxation)FishCoin Tax SolutionsTel :612 516 58784124 Quebec Ave North ,Suite 307New Hope Minnesota  55427www.fishcointax.com 
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By Joe Metzler, Sr Loan Officer
(Cambria Mortgage)
Spring is in the air. Do you know what else is in the air? Talk of low interest rates. If you haven’t caught wind that interest rates are historically low consider yourself an anomaly. Mortgage interest rates have continued to hover near all time lows for quite a long stretch of time, meaning now could be the best time for you to take advantage of them by refinancing your current mortgage or locking in a low rate for your next home purchase. Low interest rates may not last forever so take advantage of the situation while you can!The Benefits of a Refinance!If you already have a home that gives you all the feels, plan to own it for a while and your current rate is around 3% or higher… Looking into a refinance may be a great option. Refinancing your current mortgage is an especially great...
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By Joe Alabi EA, Tax Resolution Specialist - Help with IRS Problems
(FishCoin Tax Solutions)
I represent taxpayers in Twin Cities, Minnesota and all the 50 States in the United State before all administrative levels—examination, collection, and appeals—of the Internal Revenue Service (IRS).   One of the questions that are asked by taxpayers who have received a CP90 Notice(Intent to Levy) or have a case is in the collection division of the IRS is “What can the IRS can seize?”There are two types of federal tax levies issued by the IRS: a “regular” levy and a “continuing” levy. A continuing levy is a levy issued by the IRS on wages or routinely paid commissions, so it will remain in place until it is released.A “regular” levy issued by the IRS reaches the assets owned by the taxpayer now the levy is received.  For example: Assume Taxpayer owes the IRS $20,000.  Taxpayer has $400 i...
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By Joel Friday, Make sure your home is "SOLD by Friday!"
(Keller Williams Classic Realty)
Don't Leave $40,000 on the Table Real estate market data in Bloomington MN by Joel Friday of Keller Williams Classic RealtyVideo showing you how to make an additional $40,000 Let’s go over some math on a recent estate sale where our client’s net was drastically increased by not settling for a cash offer. In an estate sale, it’s common that you may have people interested in buying the home for cash to save you the hassle of listing. In this case, there was a $230,000 offer on the table, which would net our client $225,000. Thankfully, they said no. More details on the Bloomington home mentioned in this article.Our team had planned on listing at $250,000, but ultimately decided on $260,000 due to the interest in this property. 100 showing requests flooded in within hours of it hitting the...
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By Kevin Dimmel, Buy and Sell Real Estate in Minnesota
(Weichert Realtors Advantage)
                                              What's My Eden Prairie, MN Home Worth?Assessing the value of your home, your needs and your timeline can change a multitude of factors. How quickly you need the proceeds of the sale and the market conditions can help decide your path as you prepare to leave your current house. It’s a balance of current and future needs and the route you choose can always be changed until you enter into a contract.Currently in Eden Prairie, Minnesota the Supply of Homes For Sale has dropped to under One Month of supply. This means we are still in a Seller's Market. There is still a high demand for houses with a high supply of qualified Buyer's.The average days on the market is 32 days for all property types. Single Family Homes are averaging 46 days and Condo...
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Minnesota Real Estate Agents and Real Estate Professionals