Explore Maple Grove, MN
Getting pre-approved for a mortgage loan is an integral part of having the ability to purchase a home in today's society. With most home prices well above what the majority of us have in the bank, getting approved for a mortgage can be the deal maker or breaker when it comes to purchasing a piece...

By David Kosmecki
(Bay Equity)
Comments 2
Homeowners who want to increase the appeal of their residence before putting it up for sale can, within a few hours and with a little elbow grease, perform some do-it-yourself (DIY) kitchen upgrades that are sure to pique the interest of would-be buyers. Many people either have or are in the proc...

By David Kosmecki
(Bay Equity)
Comments 0
A home appraisal is an independent opinion of your home's value, performed by a licensed home appraiser. Appraisals are part of the traditional home purchase process, and lenders require them for most refinances, too. Appraisers Are Trained Professionals: First, they derive a base for your home's...

By David Kosmecki
(Bay Equity)
Comments 0
  Are you applying for a mortgage on your home? Keep in mind that a mortgage is a major financial decision and choosing one will have a significant impact on the rest of your life. Many people go into this decision without understanding all of the essential mortgage information they need to know,...

By David Kosmecki
(Bay Equity)
Comments 0
As economic influences affect the housing market in the United States, there has been the introduction and development of programs to assist with the downturn. During the 2009 economic crisis in the United States that resulted in home prices and values falling, a program named HARP was introduced...
Thinking about ways to engage your children in gardening and educational opportunities outside of the classroom? Creating your very own veggie patch with them is a great way to help them develop interest in the wonderful hobby of gardening! Growing a vegetable garden links together many concepts ...
Over the course of a lifetime, financial development can lead to some wonderful opportunities. A person's financial development and state of affairs is something that is particularly important when it comes to taking out a bank loan to further progress in life, and the largest loan most people wi...
Putting down the largest sum of money at your disposal might seem like the best way to go when it comes to your mortgage down payment. There is a certain amount of truth to this, but the reality is bigger is not always better. Ideally, the amount of money you settle on for your mortgage down paym...
The last few years have been financially difficult for millions of homeowners, with job losses and decline in home values devastating families all over the US. As a result, a great number of homes have gone through short sales, which has had a detrimental effect on consumers' credit ratings. If y...

By David Kosmecki
(Bay Equity)
Comments 1
Believe it or not, paint colors can affect your mood. When remodeling your home, the color you use on the walls can end up being just as critical to the thematic consistency of your home as the furniture you use to decorate it. Before you slap any old color on the walls, take some time to conside...
The FOMC of the Federal Reserve released its customary statement after its meeting concluded April 30. FOMC members said that the economy is improving after a winter lull caused by poor weather. The national unemployment rate remains high, although some improvement in labor markets was reported. ...

By David Kosmecki
(Bay Equity)
Comments 0
After three consecutive months of decline, the S&P Case-Shiller 20-City Composite Index remained nearly unchanged in February. Year-over-year home prices rose by 12.90 percent in February as compared to 13.20 percent in January. 20 Percent Below Their 2006 Pre-recession Peak: Analysts note that i...
Refinancing your home might be a great way to save money or tap into the capital needed to pay off large debts. However, a refinance can also be an expensive endeavor, and you could even risk harming your credit rating or risk foreclosure if you're not careful. Before you take the plunge with a r...
March sales of existing homes exceeded expectations at a seasonally adjusted annual rate of 4.59 million sales according to the NAR. Analysts projected that existing home sales would reach 4.55 million based on February's reading of 4.50 million sales. The pace of existing home sales declined by ...

By David Kosmecki
(Bay Equity)
Comments 0
To refinance a mortgage means to pay off your existing loan and replace it with a new one. There are many reasons why homeowners opt to refinance, from obtaining a lower interest rate, to shortening the term of the loan, to switching mortgage loan types, to tapping into home equity. Each has its ...

By David Kosmecki
(Bay Equity)
Comments 1
Real estate investments are still going strong and will probably continue to be a popular method of financial gain into the future. Real estate is solid. It is a tangible product that is attractive to both beginning investors and experienced pros. The most important part of getting started in rea...
When people purchase their home, one of their common requests is "plenty of light." And for good reason! This is a critical factor for enjoying your home, and when designing your interior, you should pay special attention to just that: your sources of light. See them not only as a way to brighten...

By Eric Helmers, Your Trusted Real Estate Source
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Attention Home Buyers, Sellers, Renters, Landlords or anyone else searching for properties and rentals on the worldwide web.  Especially sites like Craigslist, BackPage.com, Zillow or other free listings sites that allow non licensed people place ads for real estate! There is a HUGE SCAM running ...

By David Kosmecki
(Bay Equity)
Comments 0
When it comes to selling your home and getting the full selling price you want, there are certain tactics and methods you can employ to ensure that this wish becomes a reality. Avoiding the commonly made mistakes that end up lowering the value of your home and discouraging people from viewing it ...

By David Kosmecki
(Bay Equity)
Comments 1
Something that the Europeans have been doing for decades has finally made its way over the Atlantic Ocean to North America: the trend is called micro housing, and it's turned into an entirely new way of living. With micro housing, we're beginning to do away with oversize condos and even detached ...

Maple Grove, MN Real Estate Professionals