Explore Maple Grove, MN

By David Kosmecki
(Sierra Pacific Mortgage)
Comments 1
Before taking out a mortgage to buy a home, it's time to take a realistic survey of your finances so that you can determine your price range and what size of home you can comfortably afford. Buying a home that suits your finances will mean that your mortgage payments will be easily within your bu...

By David Kosmecki
(Sierra Pacific Mortgage)
Comments 0
The holiday season and winter weather slowed home sales in November. Last week, the NAR reported that sales of existing homes had slumped to their lowest level in nearly a year, but this was not unexpected.   Short supplies of available homes and rising mortgage rates have increased pent-up deman...

By David Kosmecki
(Sierra Pacific Mortgage)
Comments 0
Housing Starts exceeded expectations and also beat October's reading of 889,000. November housing starts were posted at 1.09 million against a consensus of 963,000. This reading is more in line with the NAHB/Wells Fargo Home builder Market Index, which reached a four month high with December's re...

By David Kosmecki
(Sierra Pacific Mortgage)
Comments 0
According to the National Association of Homebuilders/Wells Fargo Homebuilders Market Index for December, builder confidence recovered in with a reading of 58. This surpassed both expectations of 56 and last month's reading of 54. Analysts noted that builder confidence has steadied after the gove...

By David Kosmecki
(Sierra Pacific Mortgage)
Comments 3
Whether you are purchasing a new home or you are considering applying to refinance your home, chances are the lender will require an escrow account. These accounts are often a source of confusion for homeowners. In reality, these accounts benefit the homeowner and help protect the lender. What Is...

By Eric Helmers, Your Trusted Real Estate Source
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* 80% of people that lost their homes to foreclosure never sought advise from a professional. * 1 out of 8 home owners are in some form of default. * 5 Million homes are still in serious default.Most people are embarrassed or feel like they can't find accurate answers when in this position. I've ...

By David Kosmecki
(Sierra Pacific Mortgage)
Comments 3
Here is a great idea for making cookies and exchanging them as Gifts for the Holidays Click on the Link to read the article by Pilsbury.How to Host a Holiday Cookie Exchange  

By David Kosmecki
(Sierra Pacific Mortgage)
Comments 1
It's that time of year again when the weather outside gets frightful but the holiday cheer is delightful. You've probably got a lot on your mind during these busy winter months, but make sure that you don't neglect the roof of your home. Taking care of your roof is an important part of home maint...

By David Kosmecki
(Sierra Pacific Mortgage)
Comments 0
Interest rates fluctuate frequently, often depending on the news. If you are considering refinancing your home, your loan officer may suggest locking in the interest rate on your loan. There are some valid reasons why this is a good idea including: Saving Money For The Long-term: Over the life of...

By David Kosmecki
(Sierra Pacific Mortgage)
Comments 0
Have you ever considered paying off the mortgage on your home in two biweekly payments rather than one monthly payment? It might seem like this wouldn't make a difference, but the truth is that biweekly payments really do add up more quickly. Since there are 52 weeks in a year you will end up mak...

By David Kosmecki
(Sierra Pacific Mortgage)
Comments 0
When preparing for a closing on your refinance or home purchase, one of the documents you will be provided with a few days before closing is a HUD-1 Form. This form provides you with valuable information about your loan. While at first, this three page document may seem intimidating, if you under...

By David Kosmecki
(Sierra Pacific Mortgage)
Comments 0
When it's cold outside, there's nothing quite as cozy as curling up on the sofa with a good book in front of a roaring fire. A fireplace evokes the idea of a warm and pleasant atmosphere. However, if it isn't properly maintained, your living room could be filled with a cloud of soot, or worse, fi...

By David Kosmecki
(Sierra Pacific Mortgage)
Comments 0
Yesterday you may have read the blog post on questions to ask yourself before applying for a mortgage. Here are 5 additional that you may want to think about before you go into your meeting with your loan officer. Here are questions 6-10 that you may need to get answers to before completing your ...

By David Kosmecki
(Sierra Pacific Mortgage)
Comments 0
If you are considering applying for a refinance, it is important to understand the mechanics of your mortgage loan. Before you sit down to speak with your loan officer, you should consider preparing a list of questions you feel may need to be answered. Typically, your loan officer will be availab...

By David Kosmecki
(Sierra Pacific Mortgage)
Comments 0
According to the S&P Case-Shiller 10-and 20-City Housing Market Indices for September, home prices grew at an average of 13.30 percent year-over-year and achieved the highest growth rate for home prices since February 2006. On a month-to month basis, home prices are slowing in most areas with 19 ...

By David Kosmecki
(Sierra Pacific Mortgage)
Comments 0
The calendar has turned and with that we receive less sunlight, colder temperatures, and shorter days ahead, it's an opportune time to cross those last-minute maintenance items off your homeowner to-do list. Practicing preventive care - both inside and outside your home - can save thousands of do...

By David Kosmecki
(Sierra Pacific Mortgage)
Comments 1
"There's always something to be thankful for. If you can't pay your bills, you can be thankful you're not one of your creditors" – Author Unknown With Thanksgiving being tomorrow, I find myself thinking about everything I have to be thankful for. For instance, I've been a real estate agent for so...

By David Kosmecki
(Sierra Pacific Mortgage)
Comments 0
The National Association of REALTORS reported Monday that pending home sales dropped by -0.60 percent in October after falling at a revised rate of -4.60 percent in September. According to Lawrence Yun, chief economist for NAR, 17 percent of real estate agents reported delays in loan closings due...

By David Kosmecki
(Sierra Pacific Mortgage)
Comments 0
Thanksgiving is right around the corner, and if you're opening your home for the family get together, that usually means you'll be decorating.  If you've racked your mind for ideas and none sound just right, here are a few decorating ideas that might help you along your way. Fall Leaves: Decorati...

By David Kosmecki
(Sierra Pacific Mortgage)
Comments 1
The minutes of the Federal Reserve's Federal Open Market Committee meeting held October 29 and 30 were released Wednesday. The meeting began with a report from the Manager of the System Open Market Account and included updates on developments within domestic and foreign financial markets. Accordi...

Maple Grove, MN Real Estate Professionals