Home Venture December 2020

December 2020

HOME VENTURE

View more at: www.minotdailynews.com

TH HO E M E Pa MO O ge N F 3 TH

A Minot Daily News Publication

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

WHEN YOUR PLANS ARE READY, SO ARE WE! Take the first step, apply online for a home loan and see if you pre-qualify.

Lauri Hopwood, NMLS #608984 lauri.hopwood@dacotahbank.com

dacotahbank.com Minot | (701) 852-1200

Did you know?

It is customary to decorate for the holiday season, but not everyone has the time, inclination or wherewithal to handle the task.

Those who want to enjoy the holidays but do not have time to decorate can rely on the services of professional holiday decorators.

These individuals are available across the United States and Canada and can design top-notch lighting displays. Depending on the decorator, interior and exterior design services may be available. Professional decorators can work in residential or commercial settings. Furthermore, some services may include preventative maintenance as well as timely takedown of decorations once the season is over. Hiring a professional has its merits, including time savings, reduced injury risk and the assurance that a clean and thorough job will be done. Professional decorating also eliminates the need to store lights and other decorations between seasons, freeing up valuable storage space.

Meet Your Realtor

Call Lucas Knight for Your Real Estate Needs!

Lucas Knight 701-721-9163 lucas@signalrealtors.com

minothomesearch.com 2

HOME VENTURE December 2020

1541 S. Broadway, Minot

1.800.735.4065

FEATURED

Home of the Month 1915 SW 5th Ave Great ranch-style home in a great neighborhood. Located across the street from Perkett Elementary School, close to shopping, walking path, golf course, bark park and more.

Completely remodeled in 2011/2012, including new windows, shingles, DQG VLGLQJ 0DLQ à RRU IHDWXUHV open concept living room with large windows, kitchen with a huge EUHDNIDVW EDU DUHD WKDW ÀWV EDU VWRROV master bedroom with 1/2 bathroom and walk-in closet, large second bedroom with walk-in closet and full bathroom. Lower level has family room with bar area and egress window with great light, large refrigerator LQFOXGHG HJUHVV EHGURRPV RIÀFH DUHD WKDW FRXOG EH D ÀIWK EHGURRP laundry room (front loading washer and dryer included), 3/4 bathroom with tiled shower and nice pantry area for all your extra kitchen stuff. You will love the covered front porch/deck, ODUJH EDFN GHFN VKHG DQG ÀQLVKHG car garage. Do not miss out on this fabulous home that is move in ready!

This one will go fast. The light is great in this home with lots of sunshine to brighten up your day. The yard is partially fenced and would be easy to make it fully enclosed.

MLS#202099

Call or text Carrie Montoya for a showing today!

701-240-0709 www.MinotHomes.com

$

254,900 December 2020 HOME VENTURE 3

Alder Springs is hexagonal at its core Covered Deck

Dn accent the bold brick-veneer-covtastic viewing options as the great ered columns that support and room. Doors in the central wall Alder Springs An abundance of natural light highlight the porte cochere.

12'section Ceilingprovide deck access. At the PLAN 10-549 basement Expansive and richly windowedGreat washes into the Alder Springs Room level, similar doors lead Main Floor sq.ft. to xa 28'7'' covered patio that also wraps hexagonal rooms form theDncore of38'10'' great room through 2056 the self-same Lower Floor 1420 sq.ft. sides. windows that offer great views to the interior on two levels. Both around three Dining A fireplace sits at the center of the rear.

This home is3476 designed Living Area sq.ft. for have wings. On the main floor, a construction a lot156 that slopes wide coveredd deck wraps around one wall section in the great room.

Screenedon Porch sq.ft. neto offer the same fan- The kitchen, which carves out a three sides down at the left and back. reerch Kitch.

Storage/Shop 607 sq.ft. c S Po place for itselfBedrm on the opposite While its neo-classical GeorPorte Cochere/Stor.

520itsq.ft. x wall, has two 10'4'' peninsular coungian front facade gives a tradi12'10'' Entry 75'10'' x floor 79'7'' plan ters, which you can look out tional Dimensions look, the interior Covered Deck Owners’ Dn across into the great room and is totally contemporary.

3000 SERIES Outside, Suite Covered beyond. The counter that smooth www.AssociatedDesigns.com columns frame the lofty 14'6'' x 19' Bedrm Porch fronts the sink 12'4'' is rimmed 12' Ceiling covered porch; raised stone bands x 10' Covered Deck by a raised eating bar.

Dn Great Room 38'10'' x 28'7'' Dn Storage Two bedrooms and Dining Alder Springs a bathroom are in 12' Ceiling PLAN 10-549 10-549 the wing behind the PLAN Great Room ed n kitchen. This wing e Main Floor Floor 2056 sq.ft. sq.ft.

Main 2056 e 38'10'' x 28'7'' Kitch. r h Patio Covered Dn Bedrm S c P o rc Porte Cochere also links to the Lower Floor Floor 1420 sq.ft. sq.ft.

Lower 1420 10'4''Dining x 20' x 22' porte cochere 12'10'' Entry Living Area Area 3476 sq.ft. sq.ft.

Living 3476 Owners’ and its storage © 2020 Associated Recreation Suite Screened Porch 156 sq.ft.

Screened Porch 156 sq.ft.

Designs,A Inc.large ed cabinets. n Covered 14'6'' x 19' Room reerch Kitch. Bedrm Storage/Shop 607sq.ft. sq.ft.

Storage/Shop 607 Porch utility room and c 31'7'' xo16'7'' S P 12'4'' xBedrm 10' PorteCochere/Stor.

Cochere/Stor. Up 520 sq.ft. sq.ft.

10'4'' x the deluxe own520 Porte Storage 12'10'' ers’ suite fill the Entry Dimensions 75'10'' 75'10''xx79'7'' 79'7'' Dimensions Owners’ Play Room opposite wing, 3000 SERIES SERIES o 3000 Suite 17'5'' x 13'7'' ati along with a priP Covered 14'6'' x 19' www.AssociatedDesigns.com d www.AssociatedDesigns.com Bedrm vate screened Covered Patio Porch ere Porte Cochere v Bunk 12'4'' x 10' Co porch that opens Up 20' x 22' Room Shop/ onto the deck.

Storage Stor. © 2020 Associated Guest Recreation Boat Storage Designs, Inc. At the baseSuite Room 27'2'' x 18'10'' ment level of the 31'7'' x 16'7'' 15' x 13'2'' Up Alder Springs, a large recreation Covered Patio room fills Porte the hexagonal Cochere core, Play Room sharing space with a kitchenette, tio 20' x 22' 17'5'' x 13'7'' a dP e play room, and shop/storage area. r ve Bunk Recreation © 2020 Associated Co A guest suite, bunk room and bathUp Designs, Inc. Room Room Shop/ room are also on this level.

Stor.

Guest Boat Storage 31'7'' x 16'7'' Associated Designs is the original Suite 27'2'' x 18'10'' Up15' x 13'2'' source for the Alder Springs 10-549.

For more information or to view Play Room o i t other designs, visit www.Associated 17'5'' x 13'7'' Pa Designs.com or call 800-634-0123. red

By Associated Designs

4

Co

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Bunk Room

Guest VENTURE HOME Suite

Up

Shop/

DecemberStor.

2020

Boat Storage 27'2'' x 18'10''

Lance Kennedy

Alex Skarsgard

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December 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

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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

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24 1st St NE • Minot, ND 701-852-7653

HOME VENTURE December 2020

Millennial Money: Home costs don’t stop at a down payment

By SARA RATHNER NerdWallet

If you’re saving for your first home, there’s no shortage of advice out there — some of it questionable, even if you do have an avocado toast habit. Still, it’s true that your down payment may be the biggest check you ever write.

But once you move in, it’s also true that the cash tends to just keep flying out of your bank account like that money-withwings emoji. If you drain your savings on closing day, you’ll have to delay furnishings or repairs, to say nothing of less-pressing cosmetic changes.

A sizable cash cushion makes the cost of owning a home more manageable. But even if you lack that cushion, it helps to at least know what to expect and what else you may need to finance or start saving for again. Here’s what I learned.

1. THINGS WILL BREAK

I’ve lost count of the handymen, electricians and plumbers who have paraded through the home my husband and I bought in October 2019. As I type this, our dryer is being repaired for the second time since we moved in. All told, we’ve spent around $1,300 on small fixes.

Repairing issues yourself is cost-effective, but only if you know what you’re doing. If a repair involves dangerous work, or you lack the skills and equipment to do it safely and correctly, hire a licensed and insured professional.

WHAT SHOULD YOU DO?

— PAY CLOSE ATTENTION TO THE HOME INSPECTION. “Leaking roofs, mold, electrical and plumbing issues are the mostly commonly noted concerns on an inspection report,” says Day Coker, owner of AC by Day C, an HVAC maintenance and repair company based in High Point, North Carolina. If the inspection turns up issues, negotiate with the seller to either repair them or lower the selling price.

— FIND OUT THE AGE OF MAJOR APPLIANCES. When you can estimate how many years an appliance has left, you can save up for its replacement.

— CREATE A REPAIR FUND. Aim to save around $5,000, says Chelsea Lipford Wolf, co-host of the “Today’s Homeowner” TV show and creator of “Checking In With Chelsea,” a home improvement blog and video series. “That would cover most home systems that you would need to repair to keep your house running.”

2. YOU’LL WANT TO MAKE YOUR HOUSE A HOME

As a renter, you may have put up with lumpy sofas or rickety chairs, thinking eventually you’d have “real” furniture in your own home like the kind you see at a carefully staged open house. But you’re purchasing a structure; the furnishings typically don’t come with it.

We spent around $8,000 on furniture this year.

Another sneaky expense? Smaller accessories like towel racks, shower curtains, shelves, and storage bins that make a space functional.

WHAT SHOULD YOU DO?

— SAVE ON FURNITURE AND DECOR. Brand-new, solid wood furniture is expensive, but antiques are well-constructed and can be had for a fraction of the price. Between antique

stores, estate sales and We lucked out with modCraigslist, we spent less ern outlets, but not enough to score high-quality of them. We hired an elecpieces. trician at $75 an hour to in— DO THE SMALL stall more than a dozen STUFF YOURSELF. additional outlets. Neither When in doubt, watch a our house nor our neightutorial on YouTube or bor’s was sold as a fixerask for guidance at a upper. hardware store. I’ve “The first year of homehung art, shelving and ownership is usually spent curtain rods, and our finding out all of the flaws current project is paintyou didn’t notice during ing our guest room, open house and the final which doubles as my ofwalkthrough,” Coker says. fice. We hire a handyWHAT SHOULD man only for more YOU DO? complicated work.

— BE NOSY AT THE — PLAN FOR THE OPEN HOUSE. Pepper the BIG STUFF. “Beyond AP Photo real estate agent with questhe first year, that’s when you see people When it comes to buying a home, it’s common to focus all your tions, flip all the light taking on bigger proj- saving efforts on the down payment. But set a savings goal for switches and open all the ects,” Wolf says. other homeownership costs, too, especially in that first year. closets. Look for furniture in an illogical place, which “They’ve had a chance may be covering damage. to live in their house and use the space.” Begin to budget for renovations, especially if you “It’s perfectly acceptable to lift up a rug to make sure there’s nothneed to hire a general contractor. Wolf recommends getting on the ing funky under there,” Wolf says.

— ASSESS WHAT CAN WAIT FOR LATER. Your home incontractor’s schedule during their low season and buying some items when they happen to be on sale, even if the installation has spector can identify what needs to be fixed now and what can wait.

You can begin saving for future renovations while you make do to wait. with the cramped kitchen or lackluster backyard.

3. EVEN ‘MOVE-IN-READY’ HOMES NEED WORK — DON’T PUT OFF MAINTENANCE. Little issues balloon into A new neighbor told me she spent $500 on an electrician to re- expensive repairs. Routine maintenance on even new appliances place older, ungrounded electrical outlets throughout her house. and systems can help them last longer and run more efficiently.

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

December 2020 HOME VENTURE 7

®

$389,000

COUNTRY LIVING!

3 Bedroom, 2 Bath Home, Wood Burning Stove, Large Deck, 3 Car Attached Carrie Garage, Fenced Yard Montoya #202007 701-240-0709

CROSBY, ND - 3 Bedrooms, *'0. ;Zmal% LiZ\bhnl Dbm\a^g% Stone Fireplace, Beamed Ceilings, French Doors Leigh Leading to Deck, Single Car Ann Perdue Garage #182522 701-641-0150

LAKE METIGOSHE 4 Bedroom, 3 Bath Condo, 2 LmZee +/q+/ A^Zm^] @ZkZ`^% 150 Ft Beach Front Property, Kevin 30 Ft Beach/Dock/Boat Slip Connole >q\enlbo^ mh Ngbm #192426 701-833-7003

$169,900

$199,000

Blake Krabseth 701-720-1786

$115,000

Ali Ryan 701-720-9004

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

$254,900

$229,999

Lana Berman 909-581-5428

$329,900

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

$190,000

MOVE-IN READY! 3 Bedrooms, 2 Baths, New Carpet, Freshly Painted, New :liaZem Labg`e^l% 2 q0 Ihk\a Connects the Front Door to the Blake Attached 2-Car Garage, Fenced Krabseth Backyard #202057 701-720-1786

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

Leigh Ann Perdue 701-641-0150

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

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

HOME VENTURE December 2020

Carrie Montoya 701-240-0709

MOVE-IN READY! - Located in the Heart of Minot, 3 Bedrooms, 1 Bath, Curb Appeal, 11 Ft Ceilings, Oak Cabinetry, Nice Size Backyard – Room to Add a Garage! #202009

Gracia Eman 701-263-1295 Jim Bowman 808-0462-2173

$105,000

$189,000

Danielle Delzer 701-500-3732

GREAT NEIGHBORHOOD! - 4 Bedrooms, 2.5 Baths, Open Concept, Covered Front Porch, Large Backyard Deck, Great Lighting, Partially Fenced Yard #202099

$345,000

BEAUTIFUL CONDO! + ;^]khhfl% *'0. ;Zmal% Ni`kZ]^] ?bgbla^l% @k^Zm Ob^p% Fireplace, Custom Cabinetry, Custom Sound System Wired Throughout, Attached Garage #201862

8

$150,000

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

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

GREAT LOCATION Nice Size Lot, 2 Bedrooms, 1 Bath, 2 Stall Garage, Alley Access, Wiring & Plumbing Redone #201910

Judy Hoskin 701-721-3837

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

Markham a nifty Craftsman bungalow

By Associated Designs

Kitchen 9'4'' x 15'10''

Kitchen 9'4'' x 15'10''

pantry. The nook’s wide sliding to the owners’ suite. This makes a glass doors offer direct access to a great place to read a book, or simFrom the street, the Markham covered patio, which could be ply daydream.

The owners’Kitchen suite is at the rear of has the appearance of a totally screened, if desired.

Laundry appliances are right off the Markham. Amenities here insymmetrical Craftsman-style bungalow with an attached porte co- the kitchen. The utility room has clude: a walk-in closet, spa tub, dual Dn enclosed and a spacious vanity, and a separately chere. Telling details are the stone built-in cabinets Owners’ Suite A door there con- toilet and shower. Two more bedveneer Garage bases supporting tapered folding counter.

Up roomx 16'2'' to a large storage rooms and a bathroom are upstairs. columns, 19'exposed x 23' rafter tails where nects the13'8'' Den Associated Designs is the origithe roof joins the wall, a gabled area, tucked under the stairs.

Alternate Basement Stairs nal source for the A cozy, semi-private windormer, and windows with smaller Markham 30-575.

For dow seat is nestled into an alpanes in their upper halves.

Covered more information or cove on the far side of the Inside, a conveniently placedPatio Bedroom 13' x 10'2'' 12' x 15' to view other designs, nook, across from the entry half-bath is tucked behind the Nook visit www.Associated foyer’s coat closet. Double doors 11'8'' x Designs.com or call on the right open into a den, idealBedroom 15'10'' Garage 800-634-0123. ly placed for use as a home office.

13' x 10'2'' 19' x 23' The foyer’s open left side leads diOwners’ Dining rectly into the living room.

Suite 13'4'' x 12' Dn On the living room’s 13'8'' x 16'2'' left wall, a mess-free gas Markham Utility fireplace serves as a focal Porte PLAN Garage point, next30-575 to cabinetry for a Covered Up Cochere 19' x 23' First Floor 1700 sq.ft. center.

Patio Dn home entertainment 14' x 21' 12' x 15' Bedroom Living Second 522room sq.ft. links TheFloor living Nook Den 13' x 12'4'' 14' x 16'4'' 11'8'' x to theArea dining room Living 2222 sq.ft.which 12'2'' x 12'8'' 15'10'' in turn is open to the Garage 480 sq.ft.

Foyer nook and kitchen. The Dimensions 50' x 67' Dining kitchen has cupboards Bedroom 13'4'' x 12' Garage Dim. 20' x 24' Markham Markham and counters on three Covered Porch 13' x 12'4'' PLAN 2000 SERIESa set that PLAN30-575 30-575 sides, including © 2020 Associated Designs, Inc. Utility Porte www.AssociatedDesigns.com extends into the nook, First Floor 1700 First Floor 1700sq.ft. sq.ft.

Up Cochere and a roomy walk-in Second Floor 522 sq.ft.

Second Floor 522 sq.ft.

14' x 21' Living Living LivingArea Area 2222 2222sq.ft. sq.ft.

Den Kitchen 14' x 16'4'' 12'2'' x 12'8'' Garage 480 Garage 480sq.ft. sq.ft.

Dimensions 50' Dimensions 50'xx67' 67' Foyer Dn Garage GarageDim. Dim. 20' 20'xx24' 24' Up

Den Alternate Basement Stairs

Covered Porch

© 2020 Associated Designs, Inc.

2000 2000SERIES SERIES www.AssociatedDesigns.com www.AssociatedDesigns.com

December 2020 HOME VENTURE 9

REALTORS

®

in the news Congratulations!

Leigh Ann Perdue Watne, REALTORS® Top Producer of the Month of October 2020.

I was born and raised in Ray, ND where my husband, Jim and I still reside. We have 3 grown children and 2 adorable grandchildren. After graduation from Ray High School, I attended Minot State University. I retired from the US Postal Service in 2012, after 25 years of serving Williston, Alamo, Noonan, Stanley and Tioga. I am a volunteer with the American Red Cross and enjoy time with friends, family (especially my grandchildren) as well as reading, hiking and attending concerts.

I look forward to helping you with your real estate buying and selling needs and can be reached by calling 701-641-0150 or by email at LeighAnn@MinotHomes.com

Congratulations!

Gracia Eman Watne, REALTORS® Top Sales Professional of the Month of October 2020.

Hi! I’m Gracia. It is pronounced Gray-sha. I have lived in Minot all my life and joined the Watne team in 2019. Real estate has always been interesting to me, and I am excited to be a part of it.

I have a high school aged daughter and 2 Scottish Terriers at home. I purchased that home for us in 2020, and it is the perfect fit. That being said, I’m recent with the anxieties of purchasing your first home and any home in general. Everyone deserves an agent that will do the work for them and take the pressure off. I am that agent! After bartending and serving for the past 9 years, I gained exceptionally good customer service skills that help with both clients and outside help such as other agents, bankers, and insurance agents. Having a cleaning company for 10 years has taught me the value of hard work. I use these skills as a Realtor every day. I look forward to helping clients get in their perfect fit, sell what they have outgrown, upsize, etc.

Please contact me if you think I would be a good fit for you! I can be reached by calling 701263-1295 or emailing Gracia@MinotHomes.com.

Welcome!

Katie Ressler Alliance Real Estate: Welcome To Our New Agent.

Katie has been an active member of the Minot community for 13 years now, and is so excited to be turning that community focus toward real estate. She studied Business Management & Marketing at MSCTC Moorhead. Passionate about residential and commercial real estate, Katie has continued to leverage her know-how and experience to exceed her client’s expectations. With a passion for service in the Minot area, Katie is ready to help with your home buying and selling needs. As a proud member of the Alliance Real Estate family, Katie carries the values of hard work, integrity, and outstanding client service into everything she does. When Katie isn’t making home ownership dreams come true for her clients, she enjoys spending time with her family, camping, and serving her community via different non-profits.

For all your real estate needs, call Katie 701-340-8594 or email to buyandsellminot@gmail.com. www.AllianceRE.net

10 HOME VENTURE December 2020

(Family Features) An earth-friendly approach to your home isn't just good for the environment. Making minor adjustments with sustainability in mind can enhance your enjoyment and comfort while reducing expenses related to energy consumption.

Harness the sun's rays. There's a reason bright rooms with plenty of natural light tend to be warmer: that light carries heat. Although the effect is less in the winter than in the summer months due to the sun's position in relation to the earth, those rays can help warm a room. Throw back the curtains and let the light stream in. Not only will you capture some natural warmth, a bright, airy room requires less electric light, so you'll save on electricity, too.

Swap out cleaning products. While daily cleaners are often top of mind when considering your health and the environment, don't overlook other types of cleaners, such as your laundry detergent. An option like all Free Clear Pure Liquid Detergent is 99% bio-based and provides a plant-based clean. It's hypoallergenic, which makes it a good option for sensitive skin, and is from the makers of the No. 1 recommended detergent brand by dermatologists, allergists and pediatricians for sensitive skin. Learn more at all-laundry.com.

Get smart about technology. Not only do smart devices add convenience to your home, they can be highly effective tools for helping manage energy usage. Programmable thermostats are especially useful because you can set them to automatically adjust temperatures when you're away from home, but other devices like smart lights can also be programmed to recognize motion or adjust at certain times of day to reduce energy consumption in unused spaces.

Manage water usage. Many people don't realize how much water they're wasting at home. Consider that the Environmental Protection Agency estimates about 30% of each household's water goes to the toilet and chances are good you're literally flushing away that natural resource. Manage your water usage by only running full loads of dishes and laundry, eliminating leaks, reducing shower times and switching to a low-flow or other eco-friendly toilet.

Improve air quality. It may not be the first thing you think of when it comes to clean air, but your flooring plays an important role in your home's air quality. In addition to improving ventilation and opening windows for natural air circulation, you can take other steps to naturally boost your air quality without relying on energy-dependent filtration systems. The carpet in your home can contribute to poor air quality, so be sure to vacuum frequently to minimize dust, dander and other allergens.

Simple adjustments can make a big impact on the earth and your monthly energy expenses. Start with an audit of your home so you can begin taking steps toward an eco-friendly environment.

5 Ways to Make Your Home

ECO-FRIEN D LY

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

December 2020 HOME VENTURE 11

IS IT TIME TO REFINANCE? It’s been a couple years since you purchased your home and you’re hearing the term “refinance” more and more often in the media, especially now that mortgage rates are so low. So, you start to wonder – should I refinance my mortgage? How much could I really save by refinancing? Is it really worth the paperwork? Let’s discuss.

Refinancing Your Mortgage

Refinancing is the process of paying off your existing home loan by getting a new mortgage with a new rate and term. Most often, people refinance their mortgage to: Decrease the Monthly Payment: In today’s low rate environment, you may be able to lock in a lower interest rate.

Also, if you’ve improved your credit score since you applied for your current mortgage you might qualify for an even lower rate. Reducing the rate will decrease the monthly payment, but keep in mind that you are starting a new loan that may have a longer term than what you had remaining on your existing loan.

Shorten the Length (Term) of the Mortgage: Instead of decreasing your monthly payment, it may make sense to choose a loan with a shorter term instead, like moving from a 30-year term to a fixed mortgage with a 15-year term. This decision may slightly increase your monthly payment, but you’d end up paying off your loan in half the time of a 30year mortgage, saving you money in the end.

Change to a Different Mortgage Program: When refinancing, you’ll choose what type of new mortgage makes the most sense for your situation and the current rate environment. One type of mortgage program is an adjustable rate mortgage. These loans have an interest rate that changes over time. Since the rate is adjustable, your monthly payments could increase. If you currently have an adjustable rate mortgage, you may be able to convert to a fixed rate mortgage and worry less about fluctuating rates by refinancing.

Cash-out on your Home’s Equity: Homeowners who have equity built up in their home and can use that equity to fund home renovation projects with a cash-out refinance.

This refinance replaces an existing mortgage with a new home loan for more than is owed on the home. The borrower receives the difference in cash. This is an attractive option for those looking to renovate, as ideally the renovation will add value to the home plus the interest rate from the refinance is lower than borrowing from another loan source. Homeowners may also use a cash-out refinance to pay off or consolidate debt.

How a Refinance Works

Refinancing your mortgage is very similar to the process you experienced when getting your current home loan.

You’ll need to fill out an application, gather necessary financial documents and work with a mortgage lender to obtain new financing. Refinancing comes with closing costs similar to when you purchased your home; however, these costs can often be included in your financing.

Although you can finance closing costs, it’s important to understand your break-even point when deciding if refinancing makes sense. A lender can give you an estimate that includes all of the closing costs. Then, take your total closing costs from the refinance and divide it by your monthly payment savings. That equals the number of

12 HOME VENTURE December 2020

Jocelyn Herslip, is an Executive Mortgage Officer with The HOME Team at Town & Country Credit Union. To contact Jocelyn or get more information on pre-qualification, visit www.townandcountry.org. Town & Country Credit Union is an Equal Housing Lender, NMLS# 704437.

months before you’ll break even on your investment into the refinance. If that breakeven point comes well before you plan to move onto your next home or is in the near future if you’re not planning on moving, the refinance could be worth it. If your breakeven is well into the future and doesn’t align with your goals, refinancing might not be right for you at this time.

Getting Started

While there are plenty of refinancing calculators available online to help you determine if refinancing is a good fit for you, it’s best to set up a meeting with a local mortgage lender to know for sure. They’ll analyze your unique situation and help you determine whether or not a refinance would benefit you in the long run based on the current market. Get started today to determine how much you could save.

Craftsman-style Palmer is bright and open

By Associated Designs

the parlor, owners’ suite, and great you can survey a panorama of room. Turn left and it becomes a indoor and outdoor living spachallway that runs past the powder Four gables and an abundance of es: great room, dining area, parPatio Palmer room and kitchen, then branches sparkling windows give the Palmer tially covered patio, and rear 16' x 14' PLAN 30-416utility again to access the garage, an inviting look, and there’s plenty yard. Those seated at the raised room and secondary more to intrigue the eye. Stone Dining ve- eating counter have an equally Living Areabedrooms.

2432 sq.ft.

Bedroom combines with Elegant double doors open into neer wainscoting 12' x 13'expansive view. Counters wrap Bonus Room 458 sq.ft.

12'lap x 11' the vaulted parlor where windows shake and siding to provide tex- around four sides of this modern Owners’ Suite Garage 830 sq.ft. fill most of the front wall. Multitural variety, while decorative cor- kitchen, and custom-fitted book15' x 15'4'' Dimensions 69'x69' bels underscore the gable peaks. shelves flank the passageway to paned windows above shoulder Great 2000 SERIES height highlight an eye-catching This mid-size home is all on the garageRoom and bedroom wing. here, and yet another one level, with the exception Kitchen of a The16'4'' widexfoyer serves as a nexus. gas fireplacewww.AssociatedDesigns.com 19'10'' Bedroom fireplace enlivens the great room. deep bonus room over the garage.

12' x On the right 11'4'' x 11'bright, wide, open 13'10'' it links with A display nook nestles into a A naturally hallway corner just outside the great room is at its core. Standing Patio Palmer’s luxuriat the kitchen sink, 16' x 14' ousDn owners’ suite.

Utility The sleeping area Dining Up Foyer Dn Bedroom 12' x 13' offers direct access 12' x 11' Owners’ Suite to the patio, plus 15' x 15'4'' plenty of storage Great Vaulted space. Two large Porch Room Parlor closets, one of Kitchen 16'4'' x 19'10'' 16' x 13'6'' Bedroom 12' x them a walk-in, 11'4'' x 11' 13'10'' Bonus Bonus flank the hallRoom Room way that Garage 14' x 22'10'' 14' x 22'10'' links 25' x 32'6'' the sleeping area Utility to an owners’ Up Foyer Up bathroom with a Dn large shower, spa Vaulted tub, dual vanity, Garage © 2020 Associated Designs, Inc. Parlor Porch and private toilet.

16' x 13'6'' Palmer Palmer Associated DeAlternate Basement Stairs PLAN PLAN 30-416 30-416 signs is the origiGarage Living nal source for the LivingArea Area 2432 2432sq.ft. sq.ft.

25' x 32'6'' Palmer 30-416. For Bonus Room 458 sq.ft.

Bonus Room 458 sq.ft. more information or Garage 830 sq.ft.

Up Dn Garage 830 sq.ft. to view other designs, Dimensions 69'x69' Dimensions 69'x69' visit www.Associated Garage © 2020 Associated Designs, Inc. 2000 2000 SERIES SERIES Designs.com or call www.AssociatedDesigns.com Alternate Basement Stairs www.AssociatedDesigns.com 800-634-0123.

December 2020 HOME VENTURE 13

14 HOME VENTURE December 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

December 2020 HOME VENTURE 15

®

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

$164,900

$225,000

$219,000

SW KNOLLS - *3,862 Sq Ft Home *4 Bedrooms, 3.5 Baths *Vaulted Ceiling in Living Room *Beautiful Private Deck Thad & Back Yard *Double Car Tarasen Garage #202149 701-240-6737

$79,900

I NG D N E P

$170,000

$349,900

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

STANLEY ND 4 Bedroom, 2.5 Bath Townhouse, Double Garage, Being Sold AS-IS, Spacious #201953

POWERS LAKE ND - Quiet Neighborhood, 2 Bedrooms, 1 Bath, Very Nice Condition, Newer Vinyl Siding, Windows, and Steel Roof, Move-in Ready, Single Garage #200800

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

$329,900

TOWNHOUSE 2 Bedrooms, All on One Level, Convenient Location, Double Attached Garage with Shop Area #200844

TIOGA ND - City Amenities with Country Charm, On 4.7 Acres, 5 Bedrooms, 2 Baths, Large Closed-In Screen Porch, Attached 2 Car Garage, 40x40 Quonset #201363

Leigh Ann Perdue 701-641-0150

Leigh Ann Perdue 701-641-0150

Janet Schelling 701-240-7537

Trude Skalicky 701-240-3487

$249,975

Judy Hoskin 701-721-3837

$131,000

Jeremy Skalicky 701-340-7954

STANLEY ND 3 Bedroom, 2.5 Bath Townhouse, Double Garage, Galley Style Kitchen, Back Patio, Being Sold AS-IS #201952

$37,000

Blake Krabseth 701-720-1786

Lana Berman 909-581-5428

TIOGA ND - *3 Bedrooms, 3 Baths *Great Location *Many Recent Updates *Backyard Pond *Very Spacious #202180

$165,000

$150,000

Judy Hoskin 701-721-3837

Ali Ryan 701-720-9004

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

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 #192485 701-720-1786

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

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 December 2020

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