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Kevin J. Sutton's Blog

By Kevin J. Sutton | Agent in 55125
  • West St. Paul Townhomes For Sale: Pros and Cons

    Posted Under: Home Buying in West Saint Paul, Financing in West Saint Paul, Property Q&A in West Saint Paul  |  November 2, 2011 6:31 AM  |  359 views  |  No comments

    Searching for West St. Paul townhomes for sale?

    As you begin your search for West St. Paul townhomes for sale, you should be aware of the both the benefits and challenges of townhome living. Millions of Americans have enjoyed living in townhomes and it might be an ideal housing solution for you, as well. I think it is important for you to understand the pros and cons of the home style that you purchase before signing the purchase agreement.

    West St. Paul townhomes for sale are quite often priced more favorably than traditional single family housing due in large part to the common areas and shared walls. The townhome association to which you will be required to belong is responsible for upkeep of these common areas as well as some of the exterior maintenance of your home as well. This can make buying a West St. Paul townhome especially appealing to busy first time home buyers as well as to retirees who prefer not to deal with that type of upkeep.

    This does not mean that the maintenance of the home is free, of course. Included in your responsibility for residing in a West St. Paul townhome you will be required to pay a monthly association fee. This fee covers a variety of things but the extent to what it covers can vary from one association to another. For example, while your association fees might include home insurance in one association, you might have to pay that separately for that in another. It is important to check into these things before you make your decision to buy as your monthly costs could vary significantly depending upon the association.

    West Saint Paul Community Info

    The city of West Saint Paul is located just south of the state capitol of Minnesota, Saint Paul. The city name is actually derived from the fact that it is on the west bank of the Mississippi River. As a fully developed inner ring suburb of St. Paul, the population of West St. Paul has remained stable at about 19,500 over the past 20 years. Located in Dakota County, Minnesota first time home buyers can benefit from the Dakota County First Time Hom Buyer's Program. If you're interested in buying or selling a home in West Saint Paul please don't hesitate to give me a call.

    As a special note to those you looking to use an FHA loan to purchase your townhome, be certain to investigate how the homeowner's association was originally formed before you make your offer. In many cases in Minnesota, townhome associations were formed as condominium associations which was a cost saving measure for the townhome developer. If the townhome association is actually a condo, FHA has special requirements for condominiums and will treat this as one. If the condo association is not yet approved by the FHA, the process for getting FHA condo approval can be time consuming and a bit aggravating for all involved and may delay your purchase closing.

    West St. Paul townhomes for sale: Pros

    • Low maintenance lifestyle
    • Less expensive homes
    • Shared amenities offered through the association
    • Often a back yard
    • Unlike condos--no neighbors up and down

    West St. Paul townhomes for sale: Cons

  • Townhome association monthly dues
  • Small yard or occasionally no yard at all
  • Neighbors share walls

      The First Step: Get Preapproved!

      For many MN first time buyers the big question is where do I start? Your very first step to home ownership is to get preapproved for a first time buyer's mortgage. In so doing you will find out how much you are qualified for so that we can research homes in a comfortable price range.

      Kevin Sutton
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      Sales Executive, Licensed Realtor in Minnesota
      The Home Solutions Team
      Keller Williams Premier Realty
      kevin@yourhappyhome.com
      Direct (651) 209-8250
      659 Bielenberg Drive
      Woodbury, MN 55125
      With a focus on Woodbury real estate and surrounding communities.
  • Info For West St. Paul First Time Home Buyers

    Posted Under: Market Conditions in West Saint Paul, Home Buying in West Saint Paul, Financing in West Saint Paul  |  October 26, 2011 5:49 AM  |  279 views  |  No comments


    MN First Time Home BuyerHave you been hearing that this is simply one of the best markets ever for the Minnesota first time home buyer, with mortgage payments often lower than rent? Well, if you have not yet heard this please take a moment to read the rest of my post.

    The city of West Saint Paul is located just south of the state capitol of Minnesota, Saint Paul. The city name is actually derived from the fact that it is on the west bank of the Mississippi River. As a fully developed inner ring suburb of St. Paul, the population of West St. Paul has remained stable at about 19,500 over the past 20 years. Located in Dakota County, Minnesota first time home buyers can benefit from the Dakota County First Time Hom Buyer's Program. If you're interested in buying or selling a home in West Saint Paul please don't hesitate to give me a call.

    There are a variety of mortgage financing options that can may benefit you as a MN first time buyer. The most common today are FHA loans which only requires a 3 1/2% down payment on the home. A program designed for American's veterans are known VA loans, a program with as little as zero down payment. If you find a home with Fannie Mae's Home Path logo, you might qualify for their 3% down Home Path loan which does not require mortgage insurance. Your mortgage lender will help find the best program based upon your loan qualifications.

    Community Down Payment Assistance Programs

    In addition to State of MN down payment assistance funds many local communities offer programs of their own as well. Each of these programs vary in terms of qualifications required to access the funds. Depending upon when you are reading this these programs may or may not be funded so we can check on it when you call me.

    Get Pre-qualified

    The first part in the process of buying a house is to get preapproved for mortgage financing. This simply means that you talk with a local lender who will review your financial situation. In doing so they can tell you what types of MN first time buyer programs you might be qualified for. This critical first part can be done over the phone and most lenders will even do this with you when you are off from work.

    There may never be a better time to look into buying West Saint Paul homes for sale. If you are tired of throwing your money away on rent, take this opportunity now to learn more about the benefits of buying your first home in Minnesota. I've worked with many first time home buyers before and am glad to answer any and all of your questions. Simply give me a call or send me an email and we will see what might be possible!

    Kevin Sutton 
    Sales Executive, Licensed Realtor in Minnesota
    The Home Solutions Team
    Keller Williams Premier Realty
    kevin@yourhappyhome.com
    Direct (651) 209-8250
    659 Bielenberg Drive
    Woodbury, MN 55125
    With a focus on Woodbury real estate and surrounding communities.

  • West St. Paul First Time Home Buyers: Is It Time To Stop Renting?

    Posted Under: Market Conditions in West Saint Paul, Home Buying in West Saint Paul, Rent vs Buy in West Saint Paul  |  October 19, 2011 5:06 PM  |  327 views  |  No comments

    West St. Paul First Time Buyers

    MN First Time Home BuyerHave you been hearing that this is simply one of the best markets ever for the MN first time home buyer, with monthly mortgage payments often lower than rent of a home equal in size? Well, if you haven't heard by now I encourage you to take a moment to read what I have to say

    West Saint Paul: City Information

    The city of West Saint Paul is located just south of the state capitol of Minnesota, Saint Paul. The city name is actually derived from the fact that it is on the west bank of the Mississippi River. As a fully developed inner ring suburb of St. Paul, the population of West St. Paul has remained stable at about 19,500 over the past 20 years. Located in Dakota County, Minnesota first time home buyers can benefit from the Dakota County First Time Hom Buyer's Program. If you're interested in buying or selling a home in West Saint Paul please don't hesitate to give me a call.

    There are a variety of mortgage financing options that can benefit today's first time home buyer. The most common today are FHA loans which allow you to get into a home with as little as 3.5 percent down. A program designed for American's veterans are known VA loans, a program with as little as zero down payment. If you find a home with Fannie Mae's Home Path logo, you might qualify for their 3% down Home Path loan which does not require mortgage insurance. Your mortgage lender will help find the best program based upon your loan qualifications.

    In addition to State of Minnesota down payment assistance funds many of our local communities offer assistance programs of their own as well. Each of these programs vary in terms of qualifications required to access the funds. Depending upon when you are reading this these programs may or may not be funded so we can check on it when you call me.

    First Step: Get Preapproved

    The first part in the process of buying a house is to get prequalified for financing. This means that you meet with a local mortgage lender who analyzes your credit, income, assets, and debts. In this discussion they can tell you what types of MN first time buyer programs you might be qualified for. This important first step can be done right over the phone and most lenders will arrange to talk with you when you're off work, even in the evenings or weekends.

    Considering the great rates and reduced property values this is a great time to buy West Saint Paul homes for sale. If you are tired of the steady increase of rent payments take this opportunity now to learn more about the benefits of becoming a first time home buyer. I've worked with many MN first time buyers before and am glad to answer any and all of your questions. Simply give me a call or send me an email and we will see what might be possible!

    Kevin Sutton 
    Sales Executive, Licensed Realtor in Minnesota
    The Home Solutions Team
    Keller Williams Premier Realty
    kevin@yourhappyhome.com
    Direct (651) 209-8250
    659 Bielenberg Drive
    Woodbury, MN 55125
    With a focus on Woodbury real estate and surrounding communities.

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