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Home Buying in Saint Paul : Real Estate Advice

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  • Local Info28
  • Home Buying69
  • Home Selling9
  • Market Conditions5

Activity 96
Sun Oct 8, 2017
Onealminnie asked:
My husband has a credit score of 690 but mine is 525. I'm working on paying off 4 items on my credit score. We need guidance. What company/broker should we work with? Any suggestions?
0 votes 0 Answers Share Flag
Fri Jun 9, 2017
Alan May answered:
As the consumer, you have the right to work with whomever you want. Particularly if you have a crisis of confidence in your current agent.

If you've signed an exclusive buyer's agreement with the first agent, however, you might find yourself owing that current realtor a commission, whether you use her or not.

If you haven't signed an agreement with her, she still might be entitled to a portion of the commission (this time payable from the listing agency) as procuring cause. (there's more to procuring cause, than her just being the first one to show it to you).

Make contact with a new agent, and explain the situation. They should be able to fill in the blanks for you.
... more
0 votes 1 answer Share Flag
Mon Apr 10, 2017
Tom Helin asked:
improved Could it be used (obviously with Trulia attribution) for a not for P website
with a starter home target audience.
Thanks
tom.helin2@gmail.com
55101, 612-223-0109
0 votes 0 Answers Share Flag
Thu Mar 2, 2017
Rick & Amber Gonion answered:
Wed Feb 15, 2017
Jamel Vance answered:
Can I refinance or trade in my truck while trying to purchase a new house
0 votes 5 answers Share Flag
Mon Jan 2, 2017
jane asked:
--
This question was asked from this property: https://www.trulia.com/foreclosure/3254943145-727-Meadow-Ln-Woodbury-MN-55125#photo-2
0 votes 0 Answers Share Flag
Tue Dec 20, 2016
Jeffrey Nobleza answered:
Based on what you have stated you can not only qualify for a loan you may even qualify for a downpayment assistance grant or program. I would be happy to introduce you to one or two lenders you can interview and get information from.

Feel free to contact me.

Jeff Nobleza
Keller Williams Classic Realty Northwest
7365 Kirkwood Court #200
Maple Grove, MN 55369
773-677-5340
jeffnobleza at kw.com
... more
0 votes 2 answers Share Flag
Thu Jul 21, 2016
Drdooby2004 answered:
I also have a credit score of 750. i got a company im willing to work for, for a long time. but the past 2 years havent been steady 2 year employment. What can i do?
0 votes 1 answer Share Flag
Sat Apr 2, 2016
Tlwalker asked:
A few days later we noticed two different windows have inside panes that are cracked. The realtor says they were not cracked when he went through the house with the buyer/inspector, but…
0 votes 0 Answers Share Flag
Fri Feb 19, 2016
Karen Peyton answered:
In my experience, agents representing banks don't call around to "shop" offers. They will take the highest and best to the bank for consideration and approval. You will not know what other's have offered. Yes, you can increase your offer; your agent can advise you how this is done.

Good luck!
... more
0 votes 1 answer Share Flag
Fri Feb 19, 2016
Alan May answered:
I've never heard the "you can only bid once"... unless, of course, this is a foreclosure fannie mae, or freddie mac listing. Your agent should know the details... you should ask (and trust) your agent. ... more
0 votes 1 answer Share Flag
Thu Jan 21, 2016
Chris Block answered:
Did you occupy the home or have a family member 2 out of the past 5 years? In Minnesota we have homestead exclusions. Basically you do not have to pay taxes when you sell the house.

If by chance this was a rental property then it will most likely go by your income since it is lower than the long-term cap gains rate. We would need to speak with an accountant to see any potential gains.

Either way I can certainly help you Steve with this! Just get in contact with me below to get started.

Talk Soon!

~ Chris Block
651-307-7663
chrisblock@thebridgerealty.com
... more
1 vote 1 answer Share Flag
Thu Nov 19, 2015
Elizabeth Sibet answered:
Hi Martin,

Maybe this will help you going forward, if you've already found an answer to your question. In Minneapolis and St. Paul specifically, their code states that a legal bedroom must have at least 70 square feet of floor space, with no width less than 7 feet. In the case above, where the dimensions are 5 x 15, an inspector for these cities would not consider this a legal bedroom, even with an egress.

If not intended to be a bedroom/sleeping room, then this may certainly be counted as a 'room' within the dwelling. Possibly a utility room, or rec space.
... more
0 votes 2 answers Share Flag
Mon Nov 9, 2015
Josh Lund answered:
Hello Bonnie,
Good morning.
I know this is from a long time ago. Short sales can be tricky. Typically the all have a few problems, but in the end seam to work out. The Bank should meet the deadline that they have expressed to you. How did yours end up? Are you still in the market to buy a home? If so, I would love to see if we can help you out. Do you have a realtor yet? If not we have preferred ones we can get you in contact with. I would like to see if I can help you out with a home mortgage. I will try and make this a very easy process. Please let me know how to help out.
Thanks much.
Josh Lund
MN District Branch Manager
NMLS # 387408
Gold Star Financial Group
Mobile: 612.802.3265
Office: 952.884.5442
eFax: 877.666.0007
jlund@goldstarfinancial.com
... more
0 votes 16 answers Share Flag
Tue Nov 3, 2015
Josh Lund answered:
Hello b,
Good afternoon.
Are you still in the market to buy a home? If so, I would love to see if we can help you out. We can do loans down to 600 Credit Score. Closing costs about 3k total is my guess, and mot of those can be put into your loan. We also don't need 3 trade lines like many banks require. I would like to see if I can help you out with a home mortgage. I will try and make this a very easy process. Please let me know how to help out.
Thanks much.
Josh Lund
MN District Branch Manager
NMLS # 387408
Gold Star Financial Group
Mobile: 612.802.3265
Office: 952.884.5442
eFax: 877.666.0007
jlund@goldstarfinancial.com
... more
0 votes 2 answers Share Flag
Fri Sep 25, 2015
Josh Lund answered:
Hello Gwendolynsteele50,
Good afternoon.

We can do loans with a credit score of 600 and no tradeline requirements. Many banks need a 640 or 680 and 3 tradelines. Are you still in the market to buy a home? If so, I would love to see if we can help you out. We work with 1st time home buyers all the time. Do you have a realtor yet? If not we have preferred ones we can get you in contact with. I would like to see if I can help you out with a home mortgage. I will try and make this a very easy process. Please let me know how to help out.
Thanks much.
Josh Lund
MN District Branch Manager
NMLS # 387408
Gold Star Financial Group
Mobile: 612.802.3265
Office: 952.884.5442
eFax: 877.666.0007
jlund@goldstarfinancial.com
... more
0 votes 2 answers Share Flag
Mon Aug 3, 2015
Josh Lund answered:
Hello Gertie52,
Good morning.

There is TONS of new construction within 20 minutes of the east bank of the university of Minnesota. Are you looking for a Condo or Single Family home? Are you in the market to buy a home? If so, I would love to see if we can help you out. We work with 1st time home buyers all the time. Do you have a realtor yet? If not we have preferred ones we can get you in contact with. I would like to see if I can help you out with a home mortgage. I will try and make this a very easy process. Please let me know how to help out.
Thanks much.
Josh Lund
MN District Branch Manager
NMLS # 387408
Gold Star Financial Group
Mobile: 612.802.3265
Office: 952.884.5442
eFax: 877.666.0007
jlund@goldstarfinancial.com
... more
0 votes 1 answer Share Flag
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