Take Advantage of the First-Time Homebuyer Tax Credit!

The Homebuyer Tax Credit of $7,500 for qualified purchases between April 9, 2008 and June 30, 2009 is repayable over 15 years (making it, in effect, an interest free loan). NAR has further details...

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Source: National Association of REALTORS®

Please call me if you have questions about this financing or any other questions relating to financing, buying or selling a home in the Twin Cities.

Get the right REALTOR®
Leading you to Home Ownership!


Minnesota Agents who are members of The National Association of REALTORS® are individuals bound together with a strong Code of Ethics, extensive training opportunities and a wealth of community information. NAR members are routinely active in PTAs, local government committees and a variety of neighborhood organizations. Being actively involved in community affairs provides REALTORS® with a better understanding of the area in which they are selling.

Why?
Buying and selling Minnesota real estate is a complex matter. At first it might seem that by checking Minnesota picture books or online sites you could quickly find the right home at the right price.

But a basic rule of MN real estate is that all properties are unique. No two properties -- even two identical models on the same street -- are precisely and exactly alike. Homes differ and so do contract terms, financing options, inspection requirements and closing costs. Also, no two transactions are alike.

In this maze of forms, financing, inspections, marketing, pricing and negotiating, it makes sense to work with Minneapolis real estate agents who know the community and much more. Those professionals are the local REALTORS® who serve your area.

How do you choose?
In the Minneapolis area, you're likely to find a number of great real estate brokerages. Because there is heated competition, Minneapolis REALTORS® must fight hard to succeed here.

One place to find an experienced Twin Cities REALTOR® is from extensive listing of community professionals and properties. Other sources include Minneapolis open houses, local advertising, Web sites, referrals from other REALTORS®, recommendations from neighbors and suggestions from lenders, attorneys, financial planners and CPAs. The experiences and recommendations of past clients can be invaluable.

In many cases, Minnesota buyers will interview several REALTORS® before selecting one professional with whom to work. These interviews represent a good opportunity to consider such issues as training, experience, representation and professional certifications.

What should you expect? (Working with a Minnesota REALTOR®)
Once you select a REALTOR® you will want to establish a proper business relationship. You likely know that some MN REALTORS® represent sellers while others represent buyers. Each Minnesota REALTOR® will explain the options available, describe how he or she typically works with individuals and provide you with complete agency disclosures (the ins and outs of your relationship with the agent) as required in your state.

Once hired for the job (I usually charge buyers nothing for my services), a Minneapolis area REALTOR® will provide you with information detailing current market conditions, financing options and negotiating issues that might apply to a given situation. Remember: Because market conditions can change and the strategies that apply in one negotiation may be inappropriate in another, this information should not be set in stone. During your time in the marketplace, your REALTOR® will keep you updated and alert you to each step in the transaction process.

I invite you to call or email me for help. If I am not the best person for you, I will gladly refer you to a professional who can best serve you. I know quite a few great agents!

We're listed in Real-Estate-Agents.com

Ready To Buy? A Minnesota Homebuyers Guide
Guide to Home Ownership in MN

 
Knowledge and experience are the keys to successful real estate transactions. REALTOR.com® contains an enormous amount of valuable information, and such data -- combined with the expertise, experience and training of Minnesota REALTORS® like me, can be the essential keys to your success.

One of the keys to making the homebuying process easier and more understandable is planning. In doing so, you'll be able to anticipate requests from lenders, lawyers and a host of other professionals. Furthermore, planning will help you discover valuable shortcuts in the homebuying process.

Do You Know What You Want?
Whether you are a first-time Minnesota homebuyer or entering the Minneapolis real estate marketplace as a repeat buyer, you need to ask why you want to buy. Are you planning to move to a new part of the Twin Cities due to a lifestyle change or is buying an option and not a requirement? What would you like in terms of Minnesota real estate that you do not now have? Do you have a purchasing timeframe?

Whatever your answers, the more you know about the Twin Cities real estate marketplace, the more likely you are to effectively define your goals. As an interesting exercise, it can be worthwhile to look at the questions above and to then discuss them in detail when meeting with Minneapolis REALTORS®.

Do You Have The Money?
Homes and Minnesota first time buyer financing are closely intertwined. (Financing is the difference between the purchase price and the downpayment, commonly referred to as debt or the mortgage.) The good news is that over the years new and innovative MN loan programs have evolved which require a 5 percent downpayment or less. In fact, some programs still allow purchasers to buy Minneapolis real estate with nothing down.

In addition to a down payment, Minnesota home buyers also need cash for closing costs (the final costs associated with closing the loan). Several newly emerging Minnesota loan programs not only allow the purchase of a home with no money down, but also underwrite closing costs.

Not everyone, however, elects to purchase Minnesota homes with little or no money down. Less money down means higher monthly mortgage payments, so most homebuyers choose to buy with some cash up front.

Pledge of Loyalty

Are you a buyer looking to buy a property in the near future in Minnesota? If you are ready to buy in the next ninety days and are looking for representation from an experienced agent who knows the area, then you should call Chris Deutsch with Exit Lakes Realty at 612-310-1092

1.       ALWAYS put the Buyer Client's interests first and negotiate for the lowest price and most favorable terms possible. 

2.     ALWAYS disclose any potential conflicts of interest as soon as they arise including any relationships with property sellers, i.e. for sale by owner advertising, facilitator agreements, or represented sellers, before entering into a service agreement with a prospective Buyer Client.

3.      ALWAYS disclose any interest I and/or my firm may have in real property that may be for sale during the term of a Client’s service agreement that would be located in my service area before entering into a service agreement with a prospective Buyer Client.

4.      ALWAYS disclose any interest I and/or my firm may have in any other real estate firm located in my service area before entering into a service agreement with a prospective Buyer Client. 

5.      NEVER represent both the Buyer and the Seller in the same transaction.

6.      NEVER accept incentives to show or to sell any specific property.

7.      NEVER accept incentives to refer a Buyer Client to any specific lender, inspector, lawyer or any other service provider.

8.      NEVER ask a Buyer Client to waive his/her right to full buyer representation.

Find out more about Chris Deutsch at www.mnagents.com

Read reviews at http://activerain.com/cdeutsch 

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