Home Venture September 2020

HOME VENTURE REDROCK IS A CHARMING, PRACTICAL COTTAGE PAGE 4

September 2020 NEW HOME OFFICE CONCEPT PAGE 9 COMFY HAZELTON CUTS A HANDSOME PROFILE PAGE 10 HOUSE HUNTING? GET IN TOUCH WITH A LOCAL MORTGAGE EXPERT PAGE 12

DECOR IDEAS FOR THE HOUSEBOUND TRAVELER PAGE 5

A Minot Daily News Publication - View more at: www.minotdailynews.com

Mike Lindquist NMLS#: 213449 Cell: 701-578-0478

1408 20th Ave. SW, Ste 3, Minot, ND 58701 Fast & Free Preapproval VA and FHA Financing

Apply Online at eLendingNow.com • 701-838-3247

WELCOME TO THE HOME VENTURE MAGAZINE! WE HOPE YOU FIND THIS GUIDE USEFUL WHEN YOU DECIDE TO BUY, SELL, BUILD, OR REMODEL YOUR HOME. IN THIS PUBLICATION YOU’LL FIND QUICK TIPS, HELPFUL ARTICLES, & THE BEST OF THE BEST OF THOSE TO HELP YOU ON YOUR OWN HOME VENTURE JOURNEY!

Home Venture YOUR BUYING, SELLING, & REMODELING GUIDE

Stories Redrock is a charming, practical cottage..... .............................................. 4 Decor ideas for the housebound traveler ................................................... 5 New home office concept ..................... 9 Comfy Hazelton cuts a handsome profile ................................................... 10 House Hunting? Get in touch with a local mortgage expert. ........................ 12

Personnel ADVERTISING DIRECTOR: ELAINE GUNDERSON ADVERTISING COORDINATOR: ELAINE GUNDERSON

Ads e-Lending ................................................. 1

Correspondence PLEASE SEND ALL CORRESPONDENCE REGARDING EDITORIAL CONTENT, IDEAS, OR COMMENTS TO: ELAINE GUNDERSON (701)-857-1918 egunderson@minotdailynews.com

Bremer Bank ............................................ 7 First Western Bank .................................. 8 Watne Realtors ................................ 11, 14 Town & Country Credit Union ........... ... 12 Liechty Homes ................................... ... 13

To Advertise TO PLACE AN AD IN THE MONTHLY HOME VENTURE MAGAZINE, PLEASE CALL YOUR MINOT DAILY NEWS SALES REPRESENTATIVE AT 701-857-1900

2

HOME VENTURE September 2020

Hearland Pella ................................... ... 14 Financial Directory ............................ ... 15

FEATURED

Home of the Month

4030 HWY 83 S Minot ND 58701 (701)852-0249

At Liechty Homes we are very excited to show the elegance of Bonnavilla. These homes are superior to many other home manufacturers in style and structural integrity.

Our newest Bonnavilla display home “The Sequoiaâ€? is a 2,200+ Sq. Ft. 3 Bedroom, 2 Bath home with an open concept. $W Ă€ UVW JODQFH WKHUH LV D VSDFLRXV living room featuring a stacked VWRQH Ă€ UHSODFH ZLWK D UDLVHG hearth, a Chef’s Kitchen including stainless steel appliances with double barn doors that separate the dining room and family room.

Custom options displayed in the Sequoia include solid core doors throughout the home and an elegant master bath with a tile shower and a 60� drop in deck soaker tub with jets and in-line heat.

www.liechtyhomes.com 4030 Hwy. 83 South Minot, ND 701-852-0249 or 1-800-872-4150

September 2020 HOME VENTURE 3

Redrock is a charming, practical cottage

By Associated Designs

Redrock

Patio Beguiling Craftsman PLAN 30 -636 13'4" x 8' Patio accents add to the visual Living Area 1430 sq.ft.

13'4" x 8' appeal of the Redrock, a Garage 477 sq.ft. ranch-style cottage that’s Dimensions 41' x 58' Owners’ Suite all on one level. Note13'8" x 13' Dining 1000 SERIES Owners’ Suite worthy features include 11'8" x 11'4" 13'8" x 13' PLAN 30www.AssociatedDesigns.com Dining multipaned uppers on the -636 Living 11'8" x 11'4" windows, tapered porch 14'2" x 16'8" Living Area 1430 sq.ft.

Living the larger space and support columns with 14'2" x 16'8" Garage 477 sq.ft. supervise activities, raised trim set on stone Bedroom Dimensions 41' x 58' including homeveneer-clad bases, and 10'2" x 10' Bedroom Kitchen 1000 SERIES work. A window decorative supports un10'2" x 10' 11'4" xof 11'8" Kitchen over the Redrock’s derscoring the apex www.AssociatedDesigns.com 11'4" x 11'8" kitchen sink offers a the front gables. side view. Laundry The inviting covered appliances are mere porch spanning half of steps away, hidden the front facade is roomy but handy in a enough for a suite of outFoyer pass-through room door furniture. Inside, Foyer Bedroom that links the house natural light spills into 11'4" x 10' Garage Bedroom and garage. the foyer through a side20' x 22'6" 11'4" x 10' Garage The owners’ suite light plus a row of nar20' x 22'6" is compact yet well row panes near the top of Covered Porch appointed. Its roomy the door.

Covered Porch walk-in closet is Gathering spaces clus© 2020 Associated Designs, Inc. right next to a priter together on the left, © 2020 Associated Designs, Inc. vate bathroom with while three bedrooms a dual vanity, towel cabinet, and and two bathrooms fill good-sized shower. Secondary the entire right side. A roomy coat closet is immediately patio. This spacious living/dining bedrooms share the main bathroom with the rest of the household. to the left, as you pass down the area is also open to the kitchen.

Associated Designs is the origiA peninsular eating bar marks entry hall toward the living room.

Wide windows brighten the the boundary but leaves visual ac- nal source for the Redrock 30-636. combination living and dining room cess unimpeded. Working at either For more information or to view at the rear. One glassy expanse the sink or the cook top, you can other designs, visit www.Associated slides open to access a covered converse with family and friends in Designs.com or call 800-634-0123.

4

HOME VENTURE September 2020

Utility

Utility

Redrock

This photo provided

by Modsy shows a room decorated like an island getaway.

Alessandra Wood, said you can invoke the vibe of your favorite island getaway through some wellchosen prints and materials.

AP Photo

Wanderlust woes?

Decor ideas for the housebound traveler

By KIM COOK Associated Press

If your actual travel plans are on hold, you can soothe your wanderlust with a few home decor change-ups or additions.

Whether you’re wishing you were at a wilderness cabin, the beach or an exotic passport destination, designers and retailers are offering clever ways to bring the world into your quarantined home space.

Can’t stroll the real streets of Italy? You can clad floors or walls in a kitchen, bath or family room with a surfacing that evokes that feel. Italy’s ABK offers the Nuovi Mondi capsule collection of large-format ceramic tiles digitally printed with painterly landscapes and whimsical illusory elements like tightrope walkers, bicyclists and playful children. Termed “ceramic wallpaper,’’ its scenes include cityscapes of Rome, Venice and Milan.

Another Italian tile maker, Refin, offers Risseu, a collection of porcelain stoneware tiles inspired by Genoa’s historic, cobbled courtyards and city gardens.

Alessandra Wood, founder of the online interior-design plat-

form Modsy, says you can evoke the feel of your favorite coastal getaway through some well-chosen prints and materials.

“Look for pieces that have a subtle tropical vibe via foliage, like palms, as well as natural raw wood or rattan textures, and fun global prints,’’ she says. Incorporate prints and objects that depict shells and sea life.”

Lamps Plus, Lightology and Burke Decor have table lamps with resin bases crafted like pieces of coral.

Missing your favorite beachcombing spot? Small touches, like changing the lighting or choosing new cabinet pulls, may be just the ticket.

“Beach destinations have long been an inspiration for my design style,” says interior designer Jeffrey Alan Marks in Santa Monica, California. “My favorite place is Malibu; I just love walking the beach and experiencing the ocean atmosphere.”

He’s recreated the vibe with a pendant fixture that’s part of his Point Dume collection for Progress Lighting; tiers of bluetoned, galvanized metal are inspired by lapping waves and the industrial materials found on the pier.

See DECOR — Page 6

September 2020 HOME VENTURE 5

Minot Board Of REALTORS Alliance Real Estate 1401 11th Ave SW • Minot, ND 701-839-2217

Century 21 Action REALTORS 500 20th Ave SW • Minot, ND 701-839-0021

Brokers 12 1201 South Broadway • Minot, ND 701-852-3757

Coldwell Banker 1st Minot Realty 219 South Main • Minot, ND 701-852-0136

Elite Real Estate 1829 S. Broadway St #1 • Minot, ND 701-838-4040

EXP Realty 3369 45th St. S • Fargo, ND 701-289-7315

IMM Inc. 700 N. Broadway • Minot, ND 701-852-3648

Keller Williams Inspire 12 S. Main St • Minot, ND 701-838-6800

NextHome Legendary Properties 400 4th St. SW • Minot, ND 701-852-8151

Preferred Partners

[O (]L :> :[L • Minot, ND 701-852-HOME (4663)

Remax 2915 10th St. SW • STE A-Minot 701-838-8300

Signal Inc., Realtors 1541 South Broadway • Minot, ND 701-852-3505

Signature Properties 1701 South Broadway • Minot, ND 701-839-1999

Watne Realtors 408 North Broadway • Minot, ND 701-852-1156

701 Realtors 6

24 1st St NE • Minot, ND 701-852-7653

HOME VENTURE September 2020

AP Photo

This photo provided by Ceramics of Italy shows some of Italy based ABK's "ceramic wallpaper."

ABK offers the Nuovi Mondi capsule collection of large format ceramic tiles digitally printed, with painterly landscapes and whimsical illusory elements like tightrope walkers, bicyclists and playful children. Termed "ceramic wallpaper," the scenes include Rome, Venice, and Milan.

Decor

Continued from Page 5

Get a few of CB2’s polished sandstone and agate stone doorknobs, or Wayfair’s knobs made of oceanwashed pebbles gathered in New England, and every time you open a cabinet you’ll be reminded of shoreline walks. Or opt for a set of Two’s Company’s remarkably realistic sea-glass plates, fashioned in the shape of oyster and clam shells, at Burke Decor.

New York textile design studio Eskaye l has a new pattern called Out East; founder Shanan Campanaro’s watercolor toile paintings were drawn from

photos of the Hamptons sourced through interior design firm Curious Yellow.

Montauk landmarks like the lighthouse and clam bar, Sag Harbor’s windmill and theater, and Sagaponack’s vineyards and stables are among the images. The collection is available as both wall covering and fabric.

At Serena & Lily, they’ve got photo prints of soothing, beachy scenes from various artists. At Murals Wallpaper, you’ll find vistas of the Canadian Rockies, Scottish Highlands, Iceland and even Mount Everest, should you be pining for the mountains.

Color is another easy, subtle way to call to mind a See DECOR — Page 7

Decor

Continued from Page 6

vacation destination, Wood says.

“Think about the bold pops of color you might see on an island getaway. Or opt for layers of serene blues and seafoam greens paired with neutral hues to evoke the sea and sand and create a calming backdrop,” she says.

If a sophisticated hotel is more what you long for, Wood has suggestions.

“Chic hotels have a few key components: luxurious materials, sleek furniture and restrained styling. If you’re feeling bold, start with a saturated wall color. Choose case pieces that have an interesting material burl or metallic textured finish.

Add glam accents such as velvet and gold, and finalize the look with abstract or geometric art, sculptural vases and art books,” she says.

CB2 has the exotic yet urbane Kinzie credenza designed

by Mermelada Estudio, with

swaths of hand-applied bronze and gold metallic paint on mindi wood, a type of white cedar.

Got a million destination photos on your phone or computer? Consider making a coffee table book — perhaps as a gift for a wistful fellow traveler.

Chatbooks and Parabo Press are two options.

Parabo will also turn a favorite scenic shot into a square, large-format print, canvas or framed work. Have it turned into a mural at Murals Your Way. Or consider having the photo printed on ceramic tiles at ImageSnap; choose from tiny 2-square-inch versions or larger 1-square-foot ones.

Want something more painterly? Various artists on Etsy.com will transform your travel photo into a wall-worthy acrylic or watercolor original painting.

If armchair travel is the way we’ll be going for awhile, keeping that last great adventure fresh in mind may be only a decor order away.

AP Photo

This photo shows New York-based textile design studio Eskayel's new pattern called Out East.

Montauk landmarks like the lighthouse and clam bar, Sag Harbor's windmill and theater, and Sagaponack's vineyards and stables are among the charming images.

Financing that goes beyond traditional Buying a home is a uniquely personal experience. For you, it may be the first place that’s all your own.

Maybe it means getting your dream house or making a smart investment. Once we understand the big picture, our experienced mortgage bankers will take the time to guide you through the options.

Let’s see what we can do together. Learn more at bremer.com.

EQUAL HOUSING

Member FDIC LENDER

September 2020 HOME VENTURE 7

Helping dreams come true.

For most of us, our home is the biggest purchase we’ll ever make. I love helping my customers with their mortgage so they can get into their home and on with their dreams.

Juliene Mowan AVP Mortgage Lending NMLS #: 665251

REALTORS®

in the news

Congratulations,

Thad Tarasen Watne, REALTORS® Top Producer of the Month of July 2020.

“Thad has worked hard for me from the very beginning, always responsive and available. From the first friendly handshake to closing and even now he has offered his help. He willingly searched for homes within my budget, set up viewings and actually drove me to them. He checked in with me frequently to make sure I had no questions on the property and negotiated hard for me. Without his guidance, patience and professionalism, I do not think I could have survived this journey! Thank you, Thad! I will send anyone I come across who is looking to buy or sell you way!” -- Patricia Annas If you would like the same results, Thad can be reached by calling 701-240-6737 or email at thad@minothomes.com.

Congratulations,

Janet Schelling Watne, REALTORS® Top Sales Professional of the Month of July 2020.

“Hello, I’m a dedicated real estate sales professional and I’m proactive in finding or selling a home. I have always lived in the Minot area and enjoy helping people realize their dream of a new home, a vacation home or downsizing! I will be with you through the whole process, with professional and personal service. My career as a real estate agent isn’t just a profession, it’s a passion!”

8

If you are thinking of buying or selling, contact Janet Schelling! You can call or text 701 240-7537, also you can email her at janet@minothomes.com. She’s ready to help you with all your real estate needs.

HOME VENTURE September 2020

KB Home debuts new home office concept designed to meet the needs of today’s homeowners LOS ANGELES — (BUSINESS WIRE) — KB Home announced the debut of its new home office concept, which is designed to make working from home easier and more productive. The KB Home Office is a dedicated room that delivers comfort, function and aesthetics. In this private workspace, homeowners can host online presentations or small in-person meetings and boost their productivity.

The pandemic has served to accelerate the trend of working from home.

During the past few months, Americans have accepted makeshift workstations despite challenges and frustrations, because they have been viewed as temporary. Now, as many companies shift to working remotely for the foreseeable future, and for some, perhaps permanently, homeowners are seeking to optimize their work-from-home experience.

“Our homes have taken on even greater significance in our lives. Many people are now working from home,

Online:

www.businesswire.com/news /home/20200805005197/en/ which has made home offices more desired and essential than ever before,” said Jeffrey Mezger, Chairman, President and Chief Executive Officer of KB Home.

“We have redesigned our floor plans to meet the needs of today’s homeowners and are pleased to offer the KB Home Office, a dedicated room our customers can easily personalize for the way they work, at a price that fits their budget.”

The new KB Home Office includes: — Built-in workstation with generous counter and cabinet space — Large open shelving for displays, books, files and other accessories — Upgraded electrical package, including receptacles, ultra-fast USB charging outlet and additional data/teleport

Homebuyers can further personalize this dedicated office by easily choosing from the desirable and affordable options available at the KB Home Design Studio. This includes technology solutions, enhanced soundproofing/insulation packages, tailored lighting, ceiling fans, window treatments and a beverage center. For select floor plans and locations, homebuyers will also have the opportunity to add a half-bath and additional windows, as well as a separate outdoor entrance with a private patio.

KB Home is introducing its new home office concept at its Carmel Ridge at Spring Mountain Ranch community in Riverside, California and Talavera community in Menifee, California. The personalized home office concept will be rolled out to the entirety of KB Home’s national footprint in the coming months.

For more information on the new KB Home Office, call 888-KB-HOMES or visit kbhome.com/homeoffice.

September 2020 HOME VENTURE 9

Comfy Hazleton cuts a handsome profile

By Associated Designs

© 2020 Associated Designs, Inc.

10 HOME VENTURE September 2020

Covered Porch

Covered Porch

Covered Porch

Balcony Balcony 5' x5' 12'x 12'

Balcony 5' x 12'

Doors to a coat closet and bath- place which could be fueled by eiroom cluster together in a short ther gas or wood. More light spills along to with a in through windows on two sides One somewhat unique feature of hallway on the left, Open A pocket door closet. This of the dining room. the Hazleton is a front facade that room with a walk-in Family Study access to the kitchroom, den, slides open for exists on several different planes. room could be a guestBelow 12'6" x 11'8" en but can be closed when more An eye-catching custom chimney home office, or whatever suits.

Loft separation The right-hand arch opens into 14'4" fronts the two-story center section, x 8' is desired.

Nook Dn the opposite side of the On flanked by a recessed porch on one a wide living room, which in turn side and a balcony on the other. flows into a dining room. Win- kitchen, a peninsular counter housSuite with ample counter Twin sets of slenderTwo-story columns ac- dows flank a wide-hearthed fire- es a cook top,Owners’ 17' xIn 14'fact, this space on both sides.

Family cent these recesses while providing Kitchen Dining 17' x 18' large kitchen has roof support.

12'6" x 12' Open to Patio counters along all Happily, what you don’t see is a Family x 36' Study four walls, plus wall10'of garage doors. They’re Open to Up BelowFamily 12'6"Study x 11'8" plenty of storage. around to the left side, out of sight.

Below 12'6" x 11'8" Loft And the view is Stepping inside the foyer, you see Bedroom 14'4" xLoft 8' Living terrific. You can Nook two arched openings.Suite 14'4" x 8' 17' xDn 14' Dn keep tabs on activi14'8" x 11'4" ties in the two-story Owners’ Suite Nook Two-story Owners’ Suite family room and 17' 17'xx14' 14' Family Kitchen Utility nook or lift your Dining Hazleton 17' x 18' Two-story Foyer 12'6" x 12' gaze to appreciate PLAN 30 -304 Family Kitchen Dining signs of the chang17' x 18' First Floor 1868 sq.ft.

Up 12'6" x 12' Patio ing seasons outside.

10' x 36' Second 734 sq.ft.owners’ TheFloor Hazleton’s Up Living Area 2602 sq.ft.

Guest/Den suite is upstairs, an adult reBedroom Living 13'6" x 12' Suite treat well-isolated from the Garage 682 sq.ft.

Bedroom Garage 17' x 14' Living 14'8" x 11'4" Suite hustle and63'8" bustle of daily 27'2" x 24'2" 17' x 14' Dimensions x 54'8" 14'8" x 11'4" activities.

Amenities in2000 SERIES clude a spa tub, overUtility Hazleton www.AssociatedDesigns.com Utility sized shower, dual vani© 2020 Associated Designs, Inc. Foyer Foyer PLAN PLAN 30 30-304 -304 ty and private toilet.

Associated Designs First First Floor Floor 1868 1868 sq.ft. sq.ft.

Second Second Floor Floor 734 734 sq.ft. sq.ft. is the original source for the Hazleton 30-304.

Living Guest/DenGuest/Den Living Area Area 2602 2602 sq.ft. sq.ft.

13'6" x 12' For more information or Garage 13'6" x 12' Garage 682 Garage Garage 682 sq.ft. sq.ft. to view other designs, 27'2" x 24'2" 27'2" x 24'2" Dimensions Dimensions 63'8" 63'8" xx54'8" 54'8" visit www.Associated 2000 Designs.com or call 2000 SERIES SERIES © 2020 Associated Designs, Inc. 800-634-0123. www.AssociatedDesigns.com www.AssociatedDesigns.com

®

$219,000

TIOGA ND Tranquil Country Life on 21 Acres, Only 3 Miles from Tioga, Manufactured Home, 4 Bedrooms, 3 Baths, 3 Car Garage #201441

STANLEY ND 4 Bedroom, 2.5 Bath Townhouse, Over 1,700 Sq Ft, Great Floor Plan, 2 Car Garage, Patio, Fenced Backyard #200927

$339,900

WELL KEPT CONDO 2 Bedrooms, 2.5 Baths, Single Garage, Steel Siding, Newer Water Heater 2016, Coretec Waterproof Laminate Flooring Throughout #201108

TIOGA ND City Amenities With Country Charm, On 4.7 Acres, 2 Bedroom, Large Closed-In Screen Porch, Attached 2 car garage, 40x40 Quonset #201363

$37,000

Ali Ryan 701-720-9004 Lana Berman 909-581-5428

Ali Ryan................................ 701-720-9004 Beth Ringen......................... 701-429-0326 Blake Krabseth ................... 701-720-1786 Carrie Montoya ................... 701-240-0709 Danielle Delzer .................... 701-500-3732 Geri Erven-Beede ............... 701-509-1773

Trude Skalicky 701-240-3487 Jeremy Skalicky 701-340-7954

MOHALL ND 3 Bedrooms, 1.75 Baths, Spacious Home, Large Deck/Stone Patio, 2 Car Garage, Great Location #201127

Janet Schelling 701-240-7537

$150,000

STANLEY ND Duplex, 2 Bedrooms, 1 Bath in Each Unit, Large Fenced Backyard #201605

GOODRICH ND - Small Town Community, 2 Bedrooms, Oversized Single Garage, Wrap Around Cedar Deck #200124

Blake Krabseth 701-720-1786

Thad Tarasen 701-240-6737

TOWNHOUSE 2 Bedroom, All on One Level, Convenient Location, Double Attached Garage Blake With Shop Area Krabseth 701-720-1786 #200844

$249,975

$160,000

TO BE MOVED! - 2016 29x72 Modular Home (Not Manufactured), Never Lived In, 9 Ft. Ceilings, 3 Bedroom #200742

Blake Krabseth 701-720-1786

Ali Ryan 701-720-9004

DRAKE ND Well Maintained, 2 City Lots, 3 Bedrooms, Single Car Garage, Fenced Yard, Only 50 Minutes from Minot #201595

$134,000

$144,900

Carrie Montoya 701-240-0709

Lana Berman 909-581-5428

$164,900

$154,900

Leigh Ann Perdue 701-640-0150

$59,500

$370,000

800-568-5311 · 701-852-1156 · 408 N B roadway · M inot, N D 58703

GREAT STARTER HOME! 2 Bedrooms, 1 Bath, Walking Distance to Oak Park, Nice Yard, Back Deck, Fabulous Front Porch, New Shingles on Garage Roof #201105

BLAISDELL ND Live in 4 Bedroom, 2 Bath Unit, Rent the Other 3 Units, 2.38 Acres, Laundry Hookups in Blake All Units, Converted School Krabseth 701-720-1786 #192485

Gracia Eman........................ 701-263-1295 Janea Martell ...................... 320-333-5264 Janet Schelling ................... 701-240-7537 Jeremy Skalicky.................. 701-340-7954 Jim Bowman ....................... 808-462-2173 Judy Hoskin ........................ 701-721-3837

Janet Schelling 701-240-7537

Kevin Connole..................... 701-833-7003 Susanne Hoskin .................. 701-833-0160 Lana Berman ....................... 909-581-5428 Thad Tarasen....................... 701-240-6737 Leigh Ann Perdue ............... 701-641-0150 Trude Skalicky..................... 701-240-3487 Lenora Stevenson .............. 701-263-7757 Matt Watne .......................... 701-720-5700 Equal Housing Opportunity Ric Montoya ........................ 701-240-0749

September 2020 HOME VENTURE 11

HOUSE HUNTING? GET IN TOUCH WITH A LOCAL MORTGAGE EXPERT It’s time to find and purchase a home of your own – YAY! While there’s nothing quite like going house to house looking at a variety of homes and making lists of must-haves for your future pad, first-time and repeat homebuyers shouldn’t overlook the crucial step of speaking with a local mortgage expert before stepping foot into your first open house. While talking about home financing isn’t as fun as visiting homes in your desired neighborhood, it’s important and can make the process of purchasing a home a lot smoother from the get go. Here’s why.

Set Expectations for your Search

Imagine finding your dream home and then coming to the realization that the monthly payment is outside your comfort level. Major bummer! By meeting with a local mortgage expert prior to shopping, you’ll know exactly how much you qualify for and what a realistic monthly payment looks like for your specific financial situation.

How do you do that? A little process called pre-qualification!

Your lender will ask you to fill out a short online application in which you will be asked to verify your identity, credit and employment history, income and financial assets. From this information, they’ll be ready to discuss the mortgage programs you qualify for, how much you’ve been approved to borrow, and at which interest rate, along with downpayment options. Simply put, you’ll know which price points are realistic for you and can avoid looking and falling in love with a home that’s well over your budget.

Become a Serious Buyer

In addition to understanding your budget, the process of pre-qualification ensures your future offer is backed by a financial institution. And for sellers looking for a potential buyer, that is very attractive! For real estate agents and sellers, a pre-qualified buyer is a serious buyer looking to make the dream of homeownership a reality opposed to someone just interested in touring houses for fun. If a seller were to receive two offers in the same amount, one from a pre-qualified buyer and one from a buyer who didn’t take the time to get prequalified, there’s no question which offer they’ll accept – the pre-qualified one! Sellers not only want a fair offer on their home, they want confidence that said offer won’t fall through leaving them with an unwanted house on their hands.

Less Paperwork

Like mentioned above, once you find the home for you, it’s time to make an offer! You’ll want to let your mortgage lender know that you’re planning to make an offer, but with your pre-qualification letter, you’re ready to go! No need to fill out any additional applications or collect any paperwork for your home financing prior to submitting an offer. And with the homes flying off the market left and right, this is a huge advantage for potential homebuyers looking to move fast on the future home of their dreams.

12 HOME VENTURE September 2020

Renata Buen, is an Executive Mortgage Officer with The HOME Team at Town & Country Credit Union. To contact Renata or get more information on home loans, visit www.townandcountry.org. Town & Country Credit Union is an Equal Housing Lender.

NMLS# 704437.

Closing Time

When you decide to purchase a home, you may have a ballpark number of how much money you’re looking to put towards a downpayment which is great! But, like any loan, a mortgage comes with fees and other costs, like origination fees, title fees and appraisal fees that will contribute to the total amount of money needed on closing day. Fortunately, when you get pre-qualified with a mortgage lender, they’ll give you a detailed breakdown and estimated total so you’re not surprised at the closing table.

Whether you're a first time homebuyer or purchasing your forever home, the pre-qualification process was designed to make the homebuying process as smooth as possible by cutting out the uncertainty and allowing you to focus on finding the right home for you. Plus, it’s usually free and is exceptionally fast. Get started on your dream of homeownership by getting pre-qualified today before you start house hunting!

Lance Kennedy

Alex Skarsgard

Move in Ready New & Used Homes in Minot, ND

Prairie Bluffs

3909 Buttercup Lane

4408 Crocus Point

3887 Aster Loop

4028 Blue Bell Drive

)KYT /VTL Vɉ JL )H[O :X -[ , ^P[O Z[HSS NHYHNL $130,000

5L^ )9 )H[O

6 MONTHS FREE LOT RENT!

$59,900

)KYT IH[O ([[HJOLK /LH[LK .HYHNL SVJH[LK VU *\S +L :HJ ^P[O HU HTHaPUN ]PL^ $149,000

5L^ )9 )H[O

$67,000

6 MONTHS FREE LOT RENT!

www.liechtyhomes.com 3612 Fillmore Street

:JO\S[ )KYTZ )H[O ZX M[ $43,900

1325 27th St. SE, Lot #224

)9 IH[O ZX M[ $117,000

LAND HOME PACKAGES STARTING AT $219,000 (701) 852-0249 • 1-800-872-4120 • 4030 HWY 83 S, Minot, ND 58701 Monday-Friday 8am-5:30pm • Saturday 8am-4pm

September 2020 HOME VENTURE 13

14 HOME VENTURE September 2020

FINANCIAL DIRECTORY Banks • Credit Unions • Savings & Loan Associates • Mortgage Lenders

Locations in Minot, ND 900 South Broadway

852-3711 2200 15th St. SW 20 1st St. SW, Minot 701-852-3361 bremer.com

857-7220 2105 16th St. NW Member FDIC

852-8200

1017 South Bdwy & 924 31st Ave. SW, Minot

857-8400 or 857-4444

September 2020 HOME VENTURE 15

®

$120,000

$154,000

$255,900

CROSBY, ND 3 Bedrooms, 1.75 Baths, Spacious Kitchen, Stone Fireplace, Beamed Ceilings, French Doors Leading to Deck, Single Car AnnLeigh Perdue Garage #182522 701-641-0150

COUNTRY LIVING CLOSE TO TOWN! Manufactured Home in Max, ND, 4 Bedrooms, 2.5 Baths, 2 Car Detached Danielle Garage, Fenced Back Yard, Delzer Large Corner Lot #200831 701-500-3732

PEACEFUL PARADISE! 4 Bedroom, 4 Bath, 2 Story Home Located in Quiet Cul-de-Sac, Double Attached Garage, Fenced Backyard #201496

$210,000

$41,900

$79,900

800-568-5311 · 701-852-1156 · 408 N B roadway · M inot, N D 58703

BUILT-IN INCOME! 4 Bedroom, 2 Bath Duplex 2 Bedroom Units, All on One Level, Double Garage #200846

MOHALL, ND - Small Town Community, 2 Bedrooms, Hardwood Floors, Walk-in Whirlpool Tub, Good Size Deck, Nice Location #201128

POWERS LAKE ND Small, Very Nice Condition, Sun Porch, 2 Bedrooms, 1 Bath, Many Updates in Past 10 Years, Single Garage, Sheltered Backyard #200800

$199,000

Blake Krabseth 701-720-1786

STANLEY ND Great Investment! 3 Bedroom, 2.5 Bath Townhouse, Double Attached Garage, Great Property, Great Location #200926

Ali Ryan 701-720-9004 Lana Berman 909-581-5428

Ali Ryan................................ 701-720-9004 Beth Ringen......................... 701-429-0326 Blake Krabseth ................... 701-720-1786 Carrie Montoya ................... 701-240-0709 Danielle Delzer .................... 701-500-3732 Geri Erven-Beede ............... 701-509-1773

Ali Ryan 701-720-9004 Lana Berman 909-581-5428

LIGNITE ND 5 Bedroom, 3 Bath Home on 3.21 Acres, Deck/ Patio, 60x80 Heated Shop, Attached 2 Car Garage #200691

GREAT LOCATION! 2 Bedroom Townhouse, All One Level, Double Attached Garage with Shop Area #200845

COUNTRY LIVING! 3 Bedroom, 2 Bath Home, Wood Burning Stove, Large Deck, 3 Car Attached Garage, Fenced Yard #200525

Gracia Eman........................ 701-263-1295 Janea Martell ...................... 320-333-5264 Janet Schelling ................... 701-240-7537 Jeremy Skalicky.................. 701-340-7954 Jim Bowman ....................... 808-462-2173 Judy Hoskin ........................ 701-721-3837

16 HOME VENTURE September 2020

Leigh Ann Perdue 701-641-0150

$499,500

STANLEY ND 3 Bedrooms, 2.5 Baths, Great Location, 1,600 Sq Ft, Very Spacious #201230

$339,900

Janet Schelling 701-240-7537

$150,000

$22,000 GREAT PROPERTY! *Great Location *Near School and Downtown *Great Investment Property *4 Bedrooms, 1.5 Baths #191914

Janet Schelling 701-240-7537

$189,000

Blake Krabseth 701-720-1786

Trude Skalicky 701-240-3487

Blake Krabseth 701-720-1786

Blake Krabseth 701-720-1786

Carrie Montoya 701-240-0709

Kevin Connole..................... 701-833-7003 Susanne Hoskin .................. 701-833-0160 Lana Berman ....................... 909-581-5428 Thad Tarasen....................... 701-240-6737 Leigh Ann Perdue ............... 701-641-0150 Trude Skalicky..................... 701-240-3487 Lenora Stevenson .............. 701-263-7757 Matt Watne .......................... 701-720-5700 Equal Housing Opportunity Ric Montoya ........................ 701-240-0749