Buyer & Seller Resources

Recommended Lender

I have sent many clients to Rod, at PHH Home Loans, over the past 6 years and to a one….they thank me. Not all lenders are alike and Rod's depth of knowledge, comfortable style, unparalleled service and substantial resources make him the lender we strongly recommend. Even if you think you may not understand or that you do not qualify it is worth a call to Rod. He will take the time to educate you and give solid counsel on what is best for you. I have even had a client that I sent to him go to a different lender on Rod’s recommendation to help our client get the best product.  Most people do not realize that when an offer is received by a listing agent, the lender portion is often more important than the offering price….in multiples they will choose the lower offer with the large reputable lender over a higher offer with an unknown company.   Call Rod and tell him we sent you!  Learn More…

Mortgage Calculators

Estimate your monthly payments by using these simple yet powerful mortgage calculators.
Amortization, rent vs. buy, and more! Learn More…

Divorce & Home

From: Dawn Ohnstad

First, may I say that if you are reading this, you are probably part way, if not all the way immersed in this very situation, and if so, I extend my heartfelt condolences. I have been through it myself (some years back now) and will never forget what it felt like to be in that position.

If you are beginning the process of divorce, the sale of the house is quite often, and most normally one of the first assets to be sold and proceeds divided. And, it has already occurred to you that listing, negotiating and closing on the sale of your home in the midst of all the pain and confusion can be quite daunting.

As a Realtor, and as a person who has gone through this painful process, I am in a unique position to assist you. There is much that a Realtor with experience can do to help alleviate the difficulties associated with divorce.

Frequently Asked Questions:

   1. Can my spouse sell the house without my agreeing to it?

      In Minnesota, it takes one spouse to purchase a property, and BOTH spouses to sell it. In other words, without two signatures there is no closing. So, you must find a way to cooperate in this.*

   2. If my spouse is the one who bought the house, and was the only one on the title before we got married, do we both still need to sign to sell?

      Yes. (some special situations could change this)*

   3. Can I buy another home or condo right now while we are separated?

      Yes you can, but, YOUR SPOUSE MAY AUTOMATICALLY OWN HALF OF IT!.. So speak with an attorney before you make such a move.*

*Confirm all with your ATTORNEY

There will be many details surrounding your divorce and the sale of the home that will need to be coordinated between yourself, your spouse and both of your attorneys...

Jim and I can provide you with the kind of neutral advice, which will benefit both parties. In addition, as a husband and wife team, we can offer the comfort of a separate advocate for each party, if it will make things go more smoothly. Through open, consistent communication and compromise, we will sell your home quickly and for as high a price as the market will bear. It will be our goal to guide you both through this difficult experience, with as little stress as possible.

Our clients value us for our discretion, patience and professionalism...

Call for a free consultation and we will help you get through the process one step at a time.

Contract for Deeds

NEED A SECOND CHANCE?

If you’re thinking of purchasing a home, but can’t qualify for a new mortgage due to past credit problems, we might have just the solution for you. A contract for deed is an alternative method of financing the purchase of a home, and allows you time to clean up your credit while enjoying the benefits of home ownership. If you have a steady work history with consistent income, and some cash available for a down payment,

CALL JIM AT
763-439-2601

to find out if you qualify. You may be able to start enjoying home ownership sooner than you think. Stop collecting rent receipts and start building equity in your own home.

Preferred Contractors

Here is a list of amazing contractors that we have personally worked with. Click on their name to go to their website.

K2 Bath Design