Explore Maple Grove, MN

By David Kosmecki
(Sierra Pacific Mortgage)
Comments 0
Often-times, when you are searching for a new home, it may seem obtaining a pre-approval for your mortgage loan is a waste of time and energy. However, there are some significant benefits to a pre-approval which should not be overlooked. In many cases, buyers can use a pre-approval for leverage w...

By David Kosmecki
(Sierra Pacific Mortgage)
Comments 0
Like credit cards or car loans, some mortgages allow borrowers to have co-signers on the loan with them, enhancing their loan application. However, a co-signer on a mortgage loan doesn't have the same impact that it might on another loan. Furthermore, it poses serious drawbacks for the co-signer....

By David Kosmecki
(Sierra Pacific Mortgage)
Comments 0
Before applying for a mortgage, borrowers need to build a plan for how they are going to manage their credit both going into the mortgage process and as they navigate through it. Lenders like to know that borrowers have a strong likelihood of repaying the loans they take out and, as such, look ca...

By David Kosmecki
(Sierra Pacific Mortgage)
Comments 0
If the temperature in your home is too hot at night, then you can't sleep. If it's too cold during the day, then you have to wear excessive layers. Everyone has his or her own idea of the ideal temperature, but to keep it on that perfect number can get expensive. So, below we've outlined five way...

By David Kosmecki
(Sierra Pacific Mortgage)
Comments 1
Generally when you are purchasing a home, you are buying below the appraised value and you are making a down payment. The good news is this means you have "instant equity" in your home. For some homeowners, this means may be considering taking cash-out from your home equity in order to pay off cr...

By David Kosmecki
(Sierra Pacific Mortgage)
Comments 0
So you find yourself with a little bit of extra money – perhaps due to a raise, an inheritance or an unexpected windfall? Should you put all of your money toward paying down the mortgage on your home? Or would you be better off placing your extra cash into a savings account? Deciding whether to p...

By Eric Helmers, Your Trusted Real Estate Source
Comments 0
KW ranks and the #2 company worldwide in training for their agents and employees and ranks #1 as the highest rated real estate franchise.  Another reason buyers and sellers chose Keller Williams.  On top of that, the Helmers Grou ranked in the Top 5% of agents in sales for December. The Helmers G...

By David Kosmecki
(Sierra Pacific Mortgage)
Comments 0
According to a statement provided by the Federal Open Market Committee of the Federal Reserve, the committee has approved another reduction of the Fed's monthly asset purchases. The adjustment will be made in February and cuts monthly purchases of mortgage backed securities from $35 billion to $3...

By David Kosmecki
(Sierra Pacific Mortgage)
Comments 1
Everyone wants their pipes to last as long as possible, but there are a couple of simple problems that might be sucking the life out of your plumbing. Long-term stress is the enemy when it comes to your water system. The three most common enemies are high water pressure, mineral-laden hard water,...

By Eric Helmers, Your Trusted Real Estate Source
Comments 0
While still appreciating, home price appreciation in Maple Grove have been more stable than in many other surrounding cities.  It's possible this can be attributed to higher competition levels due to the number of transactions occurring and due to a higher price point.  Average sale price and act...

By David Kosmecki
(Sierra Pacific Mortgage)
Comments 2
According to the S&P/Case-Shiller 10 and 20-City Home Price Indices released Tuesday, the U.S. Housing Market is on a roll based on year-over-year increases in average home values, but month-to-month results were mixed. The 10 and 20-City Home Price Indices showed year-over-year growth of 13.80 a...

By David Kosmecki
(Sierra Pacific Mortgage)
Comments 0
As a society, it seems like we've gotten away from appreciating our homes for their emotional and sentimental worth. Instead, we focus solely on their monetary value.  An Appraiser Can Estimate A Home's Monetary Value, But To Gain A True Concept Of Your Home's Worth, You Must Also Take Into Consi...

By David Kosmecki
(Sierra Pacific Mortgage)
Comments 0
The NAR provided great year-end news as existing home sales in December pushed 2013 sales of existing homes to a 7 year high. December's reading of 4.86 sales of pre-owned homes came in at 4.87 million on a seasonally adjusted annual basis. Although projections had been for 4.89 million sales, th...

By David Kosmecki
(Sierra Pacific Mortgage)
Comments 0
The kitchen is one of the most important rooms of your home. It is where you prepare all of your meals and it is often a hub of family activity. When you host a party, the action often ends up in the kitchen. Where drinks and snacks are enjoyed into the early hours of the morning. It's crucial th...

By David Kosmecki
(Sierra Pacific Mortgage)
Comments 7
Houseplants are great for decorating. They can brighten up any room. Plus, houseplants can increase the air quality in a room. That makes you happier, healthier and reduces stress. Speaking of stress, these plants won't create any at all. All of the plants on this list are great at producing oxyg...

By David Kosmecki
(Sierra Pacific Mortgage)
Comments 0
After all of the excitement of the holidays, the sparkle of the lights and the over-stimulation of decorations, the rest of winter can seem lackluster. Don't let your home add to the dreariness of the season. Spruce up your curb appeal with the tips below and inspire your neighbors to create well...

By David Kosmecki
(Sierra Pacific Mortgage)
Comments 0
Fannie Mae and Freddie Mac have been in the news quite a bit over the past few years, so it's a good time to do a refresher on who they are and what role they play in the real estate market. Who Are Fannie Mae And Freddie Mac? Fannie Mae is the Federal National Mortgage Association. Freddie Mac i...

By David Kosmecki
(Sierra Pacific Mortgage)
Comments 0
When the holiday season starts and the winter chill comes around, the heating bill at your property will naturally increase as you keep yourself warm and cosy. However, if your home is not being heated efficiently, you are essentially letting your hard earned dollars escape into the air as wasted...

By David Kosmecki
(Sierra Pacific Mortgage)
Comments 0
When you are in the market for a new home, you may be faced with numerous options for financing your home. One of the choices you will have to make is whether to apply for a fixed or adjustable rate mortgage. In some cases, an adjustable rate mortgage may be your best option, but keep in mind, th...

By David Kosmecki
(Sierra Pacific Mortgage)
Comments 2
When you sell your home, you want it look as good as possible. To do this, your real estate agent will help you stage your home or, if needed, help you find a professional to stage your home. This means de-cluttering your home, re-arranging furniture, and de-personalizing each room. A staged home...

Maple Grove, MN Real Estate Professionals