Home Buying in Saint Paul : Questions & Answers

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Joel Johnson, Real Estate Pro in Bloomington, MN
Joel Johnson answered:
We are planning a move in late June, and don't have a large down payment. Would it be better to rent and save or look for a "deal"?
That would be best answered by both a Financial Advisor and/or Loan officer.
You can start with:
Michael Dietrich
651-206-3377
http://0678280002.brokersite.com/Default.aspx
0 votes Share Flag Sat Jun 28, 2014 Home Buying in Saint Paul
Erika Kuhlme…, Real Estate Pro in Saint Paul, MN
Erika Kuhlmeyer Dragich answered:
Qualifying for a mortgage without 2 years of work history.
Rachel,
Yes FHA allows non-occupying co-signer to reside outside the state you are buying in.
Yes you are required to have a 2yr work history...if it's not consecutive with your curr ... more
0 votes Share Flag Wed Apr 23, 2014 Home Buying in Saint Paul
Bill Eckler-…, Real Estate Pro in Venice, FL
Bill Eckler-Florida, answered:
I'm looking at a house that is owned by Fanny Mae. Do I need a realtor?
Kris,

Very simply.....ALL buyers should seek their own personal representation. To do anything else is to invite the potential for a "conflict of interest."

I'd be curious to kno ... more
0 votes Share Flag Tue Apr 1, 2014 Home Buying in Saint Paul
Maureen Cato…, Real Estate Pro in Coon Rapids, MN
Maureen Cato-spicer answered:
I qualify VA Loan program, My credit is near 800, have secure income but will not have down payment, need to purchase home, what are my options?
as the spouse of a vet I can tell you that VA is a no down loan up to a certain price. otherwise a very small down at a larger loan. Talk with a loan office and then contact a me to h ... more
0 votes Share Flag Fri Mar 14, 2014 Home Buying in 55106
Mnlakeplace, Real Estate Pro in White Bear Lake, MN
Mnlakeplace answered:
Can I buy a home if I owe the state of Minnesota?
yes if you buy on a contract for deed you can buy a house and make payments to the state or pay it off in full. http://www.mnhomescontractfordeed.com/ramsey-county
0 votes Share Flag Fri Mar 14, 2014 Home Buying in Saint Paul
Mnlakeplace, Real Estate Pro in White Bear Lake, MN
Mnlakeplace answered:
I am looking for a 3bed / 2 bath townhouse in Woodbury,MN possibly new or built in the last 10 years. What would be the price range?
probably around $400,000+ http://www.mnhomescontractfordeed.com/ramsey-county
0 votes Share Flag Fri Mar 14, 2014 Home Buying in 55129
Mnlakeplace, Real Estate Pro in White Bear Lake, MN
Mnlakeplace answered:
I need a house today, is there rent to option to buy in mpls mn where I can work on home ownership while in a house I want to purchase when qualified
you can find links to rent to own here but mainly contract for deed homes for sale in Minneapolis and other areas in the twin cities metro areas http://www.mnhomescontractfordeed.com/he ... more
0 votes Share Flag Fri Mar 14, 2014 Home Buying in Saint Paul
Mnlakeplace, Real Estate Pro in White Bear Lake, MN
Mnlakeplace answered:
I am indian, want to buy a flat in MN , my daughter is staying in MN how do I transfer Money from India, what is yearly tas for a flat
you can wire money to the title company she is closing at prior to the closing date. http://www.mnhomescontractfordeed.com/ramsey-county
0 votes Share Flag Fri Mar 14, 2014 Home Buying in 55129
Mnlakeplace, Real Estate Pro in White Bear Lake, MN
Mnlakeplace answered:
First time home loan 2 years after bankruptcy? What are the chances?
pretty good for bk after 2 years 3 years for a foreclosure. Buy a home on a cd and refinanced it. http://www.mnlakeplace.com/contract-for-deed-1
0 votes Share Flag Fri Mar 14, 2014 Home Buying in Saint Paul
Shawn Hartma…, Real Estate Pro in Roseville, MN
Shawn Hartmann answered:
What St. Paul neighborhood includes Commonwealth Avenue and Muffaletta?
Hello Elizabeth. This is the Saint Anthony Park Neighborhood! There is a north and south section. Not to be confused with Saint Anthony (suburb of NE MPLS). Here is a link to all homes ... more
0 votes Share Flag Sun Mar 9, 2014 Home Buying in Saint Paul
Luda Eremeye…, Real Estate Pro in Woodbury, MN
Luda Eremeyeva answered:
Short sale opinion, please! We put an offer on a short sale on 5/29/08 that was signed by seller in 2-3
The banks are responding much better than used to be. It is no needs to call to the bank every day,
the seller's agent needed to call a "right" people, perhaps a management of the bank ... more
0 votes Share Flag Mon Feb 10, 2014 Home Buying in 55125
Lin Qian, Home Owner in Minneapolis, MN
Lin Qian answered:
Is it better to sign an extension agreement?
Thank you for all your answers. I didn't sign an extension, not wanting to risk more earnest money, and signing off my contingencies. Eventually we did close the deal.
1 vote Share Flag Thu Dec 5, 2013 Home Buying in 55104
Cody Anderson, Real Estate Pro in Minneapolis, MN
Cody Anderson answered:
What recourse does buyer have when seller keeps extending closing date beyond the agreed upon closing date?
Is there a contingency in place where the seller needs to find a home of their choice?

Title issues?

I have never once had a seller hold up a sale.. So fill in the HUGE blank of w ... more
0 votes Share Flag Thu Dec 5, 2013 Home Buying in 55105
Cody Anderson, Real Estate Pro in Minneapolis, MN
Cody Anderson answered:
how is crime rate?
Here is a link for Dayton's Bluff I found on the cities website: http://www.stpaul.gov/index.aspx?NID=2426

When are you planning to buy?

Hope you are warm and toasty today!!
0 votes Share Flag Thu Dec 5, 2013 Home Buying in Dayton's Bluff
Cody Anderson, Real Estate Pro in Minneapolis, MN
Cody Anderson answered:
sue I thought u were sending me listing for w side st paul jhotdog54@aol.com
Are you under contract with a Realtor Joann?

I would be happy to help if you are not :) I was just showing a bunch in W. St. Paul last weekend.

Merry Christmas!!!!!!!!~!~!!~
0 votes Share Flag Thu Dec 5, 2013 Home Buying in 55107
John Pecchia, Real Estate Pro in Woodbury, MN
John Pecchia answered:
Low reserve funds for a big, nice Townhome association?
For being a first time home buyer, you have a very good grasp on associations and reserve funds. Many first time buyers don't concern themselves with these details. Way to go!
0 votes Share Flag Fri Aug 2, 2013 Home Buying in 55125
Kim M. Eisen, Real Estate Pro in Inver Grove Heights,...
Kim M. Eisen answered:
Can I get any info about Exclusive Buyer Agents (names, contact info, etc.) in St. Paul, MN?
Hi Northa

Pretty much each agent is an 'Exclusive Buyer Agent' as you both sign an 'Exclusive Right to Represent Buyer' and they are representing you as a buyer. There is no 'dual a ... more
0 votes Share Flag Tue Jul 23, 2013 Home Buying in Saint Paul
Carolyn Jass, Real Estate Pro in Saint Paul, MN
Carolyn Jass answered:
when buying a house in an OK area i.e. decent amount of crime. is it to sell the house 5years later. is there a precentage you can expect to lose?
Dear Michael,

There are no formulas. You will get for the house what someone feels it is worth today.

Sign up with a Realtor and have them do a CMA (Comparative Market Analysis- ... more
0 votes Share Flag Mon Jul 22, 2013 Home Buying in Saint Paul
Carolyn Jass, Real Estate Pro in Saint Paul, MN
Carolyn Jass answered:
I'm new to the house hunting scene. I'm wondering how I go about getting pre approved? any advantages for first time buyer and being a teacher?
Dear Amy,

Finding a good lender is key. If you belong to the teacher's credit union you might find some good loans through them. Check out a couple of lenders. The lenders can also ... more
0 votes Share Flag Mon Jul 22, 2013 Home Buying in Saint Paul
Christopher…, Real Estate Pro in Saint Paul, MN
Christopher Block answered:
should I refinance my car before purchasing a home? How will it effect the purchase of a new home?
I have always initially started out by telling buyers "do no harm" until they speak with a loan officer. In general, don't take on credit/debt or do anything while buying a home like re ... more
0 votes Share Flag Fri Jun 14, 2013 Home Buying in 55106
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