Why Hire Me?

As a licensed Minnesota REALTOR^®, I offer a variety of services, including:

Purchase & sale of residential properties
Purchase & sale of investment properties
Purchase & sale of commercial properties
Free credit report analysis and consultation
Free loan consultation and reduced origination fees

I offer a variety of service levels, and will meet or exceed services offered by Coldwell-Banker, Edina, RE/Max, and other brokers at lower overall cost. I tailor my service to each customer according to their particular wants and needs.

I have hundreds of satisfied customers in the real estate and mortgage lending business. I pride myself in knowing more about credit than virtually all other REALTORS^® and loan originators. As such, I work exceptionally hard to place customers with less-than-perfect credit into the home of their dreams.

Work with me and I will work for you! You have my word on that.

Buying A Home

Congratulations! You have decided to purchase a home, or may be considering buying one. You will be joining the ranks of hundreds of families who realize that home ownership offers a number of important benefits including building equity, tax savings, and creating a comfortable environment for your family. When you own your own home, your hard-earned dollars contribute to your mortgage. The equity you earn is yours. Over time, your home is likely to increase in value.

In the following reports, you will find much information necessary to help make a wise buying decision. We will take you through the planning process step-by-step, to help you determine which home is right for you. You will find a host of informative articles on mortgages, viewing homes, the offer, closing details and moving.

Please peruse the valuable resources on our Library and Publications pages. Contact me directly if you have any questions about buying a home, investment property or raw land anywhere in Minnesota. I would be happy to locate a fellow Realtor® in the city of your chosing, if you intend to move out of State,

Please select the desired reports and complete the form provided.

		Avoid The Most Common Buyer Errors Some buyers, however, caught up in the excitement of buying a new home tend to overlook some items. When you have a systematic plan before you shop, you’ll be sure to avoid these costly errors. Here are some tips on making the most of your home purchase.
		Buying Your First Home? Many renters are starting to think about purchasing a home of their own. This article highlights several factors that should be considered when purchasing a home.
		How Not To Pay Too Much For Your Home This article helps you become a savvy buyer, by pointing out some of the pitfalls inherent in the home-buying process.
		A Smooth Home Purchase in Six Steps Buying a home can be an emotional, time-consuming, and complex process. There are a few things that you can do to help make the process go as smooth as possible


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Before You Begin

If you elect to ignore everything else on this website, NEVER ignore these six important points:

You MUST be pre-approved for a mortgage. Your offer to purchase should contain as few conditions as possible, otherwise the seller will never take you seriously. Offers that are conditional on obtaining financing can be deal killers. The seller is likely to accept a lower offer rather than risk dealing with an unqualified borrower. A pre-approval letter from me features proper credit analysis and preliminary underwriting. This informs a seller that your are prepared to make a firm commitment. [CLICK HERE TO BEGIN]
Reserve money for expenses. Aside from your down payment, there are several expenses that must be paid at closing. Closing costs (origination, title fees, taxes, etc.) and pre-paid expenses (insurance and property tax escrows) will amount to no less than 2% and as much as 6% of your loan amount for most homes. My detailed Good Faith Estimate of all loan-related fees will inform you of what you may be expected to pay. Many sellers will agree to pay concessions of 3% or more toward your closing costs. Other out-of-pocket expenses will include your first year's homeowner's insurance premium, the cost of the appraisal, and a home inspection. Furthermore, most lenders expect you to have at least two months mortgage payments in reserve.
Investigate the neighborhood. Check out the various neighborhoods in which you consider living, then visit them at various times of the day to check for noise levels and traffic patterns. If you have school-aged children, you may wish to investigate the local school district, libraries, colleges, etc. (consult my Demographics page for further assistance).
Know when to walk away. When you act on emotion, rather than reason, you may end up paying too much for a property. This happens when you fall in love with a house and envision how great it will be to live there. Another reason you may pay too much is that a bidding war fires up your competitive instincts and you are driven to buy the house at any cost — which you may live to regret. We are now in a "buyer's market". Show the seller who has the upper hand, and know when to walk away!
Coordinate your date of possession with your moving date. Whenever possible, avoid a situation where you are required to live out of a hotel room, camp out with relatives, etc. simply because you must vacate your old dwelling long before moving into your new home. Moving once is difficult enough. Twice the effort is cruel and unusual punishment!
Insist on a home inspection. The first cold day in your new home is far too late to discover that the furnace does not work! A home inspection is the one condition that you should always include in an offer to purchase. I can also provide an American Home Shield home warranty on any property the you purchase, offer to sell, or even refinance with me. Any deficincies revealed by the home inspection should be repaired by the seller prior to closing, deducted from the agreed selling price, or the "cost to cure" may be escrowed (set aside from seller's proceeds) at the time of closing. If the seller is unwilling to pay, and you still wish to proceed with your purchase, you must make certain that you can afford the repairs atop your mortgage costs.