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Northfield News Saturday-Sunday October 11-12, 2008
Hiring brokers can help you find the best mortgage When looking for a mortgage, it doesn’t hurt to have a few sets of eyes on the prowl By Patricia V. Rivera CTW Features Comparison-shopping is great for any big purchases, and a mortgage loan is no different. Then why do some people feel funny about dealing with multiple brokers at once? Broker Nancy K. Gardner, CEO of California Mortgage Consultants in La Jolla, Calif., says it’s because applying for a mortgage is such a personal matter in many
ways. She likens a broker to a “doctor of loans.� “This person has to look for information on all the symptoms and then massages them so that it all works to your benefit,� she says. An advantage of brokers, compared to loan officers from a financial institution, is that they can help borrowers tap into a wide range of mortgage products. But engaging in long-range relationship with multiple brokers can be exhausting, particularly if you’re receiving conflicting information. Brokers, after all, make a living based on the numbers of loans that they sell. They want to win your business.
See BROKERS, 2C
SUNDAY, OCTOBER 12TH
1281 Bollenbacher Dr. (Hwy. 3 South) 507-645-4491 • 800-646-4491 • www.edinarealty.com OPEN SUNDAY 12-2:30
1704 Washington Street
12770 Eaton Ave.
Charming, cozy home on 1 acre of private and scenic land. 2 bedrooms plus den. Energy efficient wood burning fireplace. $299,900
OPEN SUNDAY 12-2
Patrick Winter 612-701-7912
OPEN SUNDAY 1-2
Excellent value! Single level townhome with pond view. 2 bedroom, 2 bath, also features a spacious design and a sunroom. $179,900
OPEN SUNDAY 2:30-4
4220 292nd St., Randolph
Much larger than it appears. Huge kitchen, fully updated home. New carpet, paint, lighting, fully remodeled Pete family room and LL Mergens 612-741-4257 bathroom. $192,000
OPEN SUNDAY 1:15-2:15
300 9th Street W. Completely updated and oh so nice! Finished lower level. Classy smaller home. $159,900
Beautiful & elegant Steve Schmidt townhome. Open floor plan, walk out deck and many extras. Stop by and feel Sid & Martha the warmth this home has to Sid & Martha Kasper Kasper 612-483-1323 612-483-1323 offer. $299,900
OPEN SUNDAY 3:30-5
NEW LISTING
8956 298th Ct.
Great value. Rambler on 7 acres just off Cedar Ave. 4 BR, 3 baths, LL finished. 2 corner gas fireplaces. Must see! Sell Paul & Juliette Paul & Juliette to pay up to 3% closing cost. Reiland Reiland 952-292-4999 952-292-4999 $329,900
OPEN SUNDAY 2:15-3:15
2005 Lake Dr.
OPEN SUNDAY 2:45-3:45
NEW LISTING
OPEN SUNDAY 2:30-3:45
OPEN SUNDAY 2:30-4
24259 Cedar Lake Drive
604 Primrose Ct.
“FIRST OPEN HOUSE!� Like rights! Pristine bank owned home. Tax value 354K. Paul & Juliette $279,900
A must see! 2 story great room, 2 stair cases. Perfect condition. Close to 1 acre, professionally landscaped. Paul & Juliette
OPEN SUNDAY 12:30-2
OPEN SUNDAY 12:15-1:30
Reiland 952-292-4999
Reiland 952-292-4999
PRICE REDUCED
719 Sibley Drive
Spacious walk-out rambler just steps away from Sibley school. Private backyard with deck with views of swale and close to park. 3 BR’s on one floor. Full Pat basement, 2 car garage. Now Johnson $164,900 507-271-1656
OPEN SUNDAY 1:45-3
PRICE REDUCED
9 Park Drive
“FIRST OPEN HOUSE� Darling 3 BR on one floor rambler near the golf course and pool. Re-finished hardwood Pat floors, new carpet & fresh paint Johnson on main. Back patio. $164,900 507-271-1656
OPEN SUNDAY 3-4
2119 Hidden Valley Rd
110 3rd St. N., Dundas
3 BR, 2 bath home with complete makeover. Cherry cabinets, fresh paint, big yard with firepit. 3 season porch. Large LL family room, well cared for & clean. $165,000
Pat Johnson 952-210-6157
Newly painted, new carpet, Pergo floors and many updates. Vaulted 2 story living room with open stair case and Nancy balcony. A must see! $167,900 McGregor
507-645-1171
PRICE REDUCED
1201 Highland Avenue
510 Washington St.
3 BR, 2 bath home with updates. Large fenced yard. Zoned SF & commercial. Blocks from downtown, library and Carleton. $179,500
Nancy McGregor 507-645-1171
Fabulous town home, everything on one level. All new flooring and very well maintained. $107,900
2422 Valley Dr.
1119 Nevada St.
Nancy McGregor 507-645-1171
Fabulous family 4 BR, 2 bath home with many updates & new appliances. Huge yard. Lower walkout. $199,900
Nancy McGregor 507-645-1171
Everything on main level! 3 BR, 2 bath, huge unfinished LL. Great neighborhood by Target and Cub. $309,900
Nancy McGregor 507-645-1171
NEW LISTING
1011 Lonsdale Blvd.
20160 Hamburg, Lakeville
Very private gorgeous acre minutes from downtown Lakeville. 4 BR, 2 bath. Many updates. $269,900
D
L SO
2015 Grant Drive
Nancy McGregor 507-645-1171
Incredible opportunity! 4 BR, 3 bath walkout rambler. Nestled on 35 wooded acres. 48x96 outbuilding. A truly spectacular property! $799,900
300 9th Street W
Pete Mergens 612-741-4257
1515 Pheasantwood Tr.
Beautiful end unit, main floor living room with many, many updates and finished lower level. Seller pays $5,000 Nancy towards buyers closing costs. McGregor $195,000 507-645-1171
13561 Fox Lake Trail
Pete Mergens 612-741-4257
Gorgeous custom built, 2 story with main floor master. Many personal spaces, sauna, hot tub, 3 season porch etc. 5 acres, minutes from town. $749,900
S Pam Gillespie 507-645-1181
Incredible opportunity! 190’+ feet of lake shore with spectacular views. Build your own dream home or enjoy as is. Pete $129,900 Mergens
612-741-4257
D L O
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6168 134th St. E., Nfld.
Business Hours:
Monday thru Thurs. 8:30 a.m. - 6 p.m. Friday 8:30 a.m. -5 p.m. Saturday 9 a.m. - 4 p.m. OPEN SUNDAY 11 a.m. - 3 p.m.
Patrick Winter 612-701-7912
D OL
1140 Woodland Trail
Nice newer home, nice pond Nearly 3/4 acre of location and 6 car garage. privacy and woods in this Oversized deck off 4 season meticulous Wang Woods home. Many extras. Ceder porch. .34 acre lot with mature Pam Ave. to North Ave. to Gillespie area behind. 3 BR, 2 bath. 507-645-1181 Woodland Trail. $319,900 $249,900
Why rent? This well maintained 2 BR home has been nicely updated and priced for today’s market. $159,900
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2824 Oaklawn Drive 17 acre park behind 9053 Baker Ave this lot. 90 feet wide lookout lot. Best deal in Briarwoods. $69,900/Best Offer
L O S Paul & Juliette Reiland 952-292-4999
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www.northfieldnews.com Saturday-Sunday, October 11-12, 2008
Handsome plant hybrids are held in high esteem 8 Yard Notes Leif Knecht
Guest Columnist Both native plants and hybrids are good choices for our landscapes. Choosing a well thought out combination of natives and mademade hybrids is a wise path towards handsome landscapes and balanced plant communities. The truth is that many if
not most native plants are in fact hybrids or genetic mutations that have occurred naturally by chance and survived and prospered over time due to a set of particularly advantageous characteristics that happened to be well adapted to a certain climate, location and soil type. Mother Nature is the original and most prolific hybridizer of all time. Over the centuries, the best of the natural hybrids and variations survived, and poor ones vanished. A somewhat similar process occurs when mankind intentionally hybridizes plants, oversees the
resulting characterizes and selects the plants with the best traits for certain uses. A hybrid that performs poorly in one climate, location and soil type might be the best performer in a different location. For this reason plant breeders send their creations to different testing sites in different parts of the world for careful evaluation. One of the big reasons the human race has grown from small scattered bands of nomadic hunter/gatherers into highly organized civilizations is mankind’s use of hybrids to produce more and better food which
has resulted in larger and ostensibly healthier populations When it comes to using hybrid plants in landscapes, balance is best and wisest. Using some native plants in some areas of your landscape, along with man-made hybrid plants offers more options and consequently more potential for a handsome and healthy garden. This is a time of year when many people think about planting trees. Some of the good native Minnesota trees for landscape use are Sugar Maple, American Linden (Basswood) North-
ern Red Oak, Northern Pin Oak, Bur Oak, White Oak, Hackberry, Black Cherry, Chokecherry, Blue Beech, Ironwood, Showy Mtn. Ash, Quaking Aspen, Big Tooth Aspen, Red Pine, White Pine, White Spruce and Northern White Cedar. Some of the good hybrids and cultivated varieties of trees that work well in Minnesota are Autumn Blaze Maple, Sienna Glen Maple, Autumn Fantasy Maple, Celebration Maple, Firefall Maple, Pacific Sunset Maple, Heritage Oak,. Regal Prince Oak, Frontyard American Linden, Harvest Gold Linden, Ivory Silk Tree
Lilac, Firebird Crab, Prairiefire Crab, Royal Raindrops Crab, Majesty Sugar Maple, Fall Fiesta Sugar Maple, Autumn Spire Red Maple, Northwood Red Maple, Burgundy Belle Red Maple, Red Sunset Red Maple, Royal Red Maple and Triumph Elm, Princeton Elm and New Horizon Elm. These varieties and many more have been able to grow well in our Minnesota soils and climate. Try to use a balanced combination of native plants and man-made hybrids. It’s a sound principle for success in the landscape.
Makeover: Guest room without the guesswork My empty-nester client was ready to reclaim her home after her last child went off to college. Her plan, like many empty-nesters before her, was to re-purpose several of the unoccupied bedrooms and to freshen up her home, which she felt had been neglected during her parenting years. I find that many parents of adult children go through a shakedown of their homes once it looks like the house will be theirs alone for the first time. This can be a daunting and painful process for some couples, but it has many rewards. After analyzing how they would like to use each space, they experience the freedom and joy of making it beautiful and useful. It not only helps with finalizing their
children’s passage to independence, but making postponed repairs, updates and enhancements also increase the resale value of their home. Some of my clients in this situation also are preparing for downsizing in a few years. Why not get your home in ready-to-sell con-
dition now so you can enjoy it for years to come? This bedroom had been one of her daughter’s and had become “the closet.” Anything that didn’t fit in other rooms got stashed here. She was expecting houseguests, and a foreignexchange student after that. She wanted to clear out the
room and make it comfort- meowners because things able for guests. usually get stashed because they don’t know where else Before to put them. My presence • You couldn’t get in the encouraged my client to room. Things that didn’t be- make decisions and to stick long in a guest room needed to her goal of creating apto be sorted, removed and pealing sleeping quarters. disposed of. • We unearthed some • Somewhere underneath basic bedroom furniture: a all the mess was some fur- bed, nightstand, desk and niture. Was it set up in the dresser. The bed and nightbest possible arrangement? stand were in the best locaWill a guest have what he/ tion possible, but we rearshe needs to stay comfort- ranged the other pieces (out ably? of view) for a more balanced • We needed to add some look. We also found a lamp beauty so guests would walk that worked so that a guest in and say, “What a lovely could read in bed. room!” • My client had lovely bedding and we used it After to “drive” the decorating • It took a while, but we scheme: pastel, floral and were able to go through the boxes and house detritus, delivering things to other rooms and to a donation Saturday, October 11 zone in the garage. This DeSirable toWnhome, beloW can be a challenge for homarKet ValUe Upgrades throughout
Totally Confused By Today’s Real Estate Market?? Opportunity is knocking for 1st Time Home Buyers!
done and deliver on a promise,” he says. “That’s more important than luring you with an interest rate that they can’t lock.”
2
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(c) CTW Features
Each OfficE indEpEndEntly OwnEd & OpEratEd
industry experience, Certified Residential Mortgage Specialist designation for more experienced professional and the Certified Mortgage Consultant designation for those with at least five years’ work experience. Consumers can check for brokers in their area at NAMB’s Web site, namb.org. Femiano says once you decide on a lender, work with them. Grow to trust them. Many problems can crop us as you move closer to settlement. “What borrower should also be looking for is someone who will get job the
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Kit Davey, an interior designer based in Redwood City, Calif., helps clients redecorate their homes through the creative use of their existing furnishings. Send your design questions to kit@ctwfeatures.com
Fre
Bluff St
I-35S TO HWY 19; EAST TO HWY 3; SOUTH TO CR 1, TRAVEL EAST TO HIGHLAND PKWY TO MODEL HOMES
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Industry experts argue those borrowers are wise to educate themselves about the entire mortgage process, particularly the factors that determine interest rates and monthly payments. That way, should they seek a second opinion from another broker; they’re looking at comparable numbers. “Otherwise you don’t know what you’re doing. You’re not comparing oranges to oranges,” says Michael Femiano, mortgagee loan consultant with O’Grady Mortgage in Tempe, Ariz. He says consumers often believe that the lowest monthly payment is the best option. A typical scenario: Borrowers on a 15year loan term save a lot of money in interest payments compared to a 30year term. But you wouldn’t realize that just by looking at the higher monthly payments. So, if you want a second broker’s opinion, figure out what you need. Then keep up with the market trends. “Interest rates are a moving target that can change from day to day and change in midday. You need to be aware of even the interest changes when you’re comparing products,” Femiano says. Trust your instincts if you think you’re being misled. If you’re promised a low rate, be skeptical if it switches at the last minute. Before signing any documents - or allowing multiple brokers to even pull up your credit report - compare the brokers that you have in mind to make sure that you’re going with the most reputable person. Investigate brokers with the Better Business Bureau or your state for any reports of unscrupulous activity. Don’t be afraid to ask the brokers for references, certificates and awards. Remember, this broker will help you make a decision on one of the largest investments of your life. Gardner says it’s wise
to do business with brokers who have worked in your community for several years, as they’re more cautious of their reputation. “Their actions have consequences and they won’t be as likely to misrepresent you,” she says. If you’re new to an area, search for brokers through a national association such as the National Association of Mortgage Brokers, a nonprofit organization that has developed a certification program. The group offers three levels of certification: the General Mortgage Associate designation for those with less than two years of
(c) CTW Features
OPEN HOUSES • 10:00am-11:30am
Brokers: Helping find the right mortgage From Page 1C
feminine. On the nightstand we placed two scented candles on a book about flowers, and arranged some figurines and a book on the shelf over the bed. Some handmade pottery completed the arrangement. My client’s guest’s truly loved the room and so did she.
Highl and Pk
By Kit Davey CTW Features
r
MN BLDR LIC #20005657 WI BLDR LIC #946949 Information deemed reliable but not guaranteed.
Saturday-Sunday, October 11-12, 2008
www.northfieldnews.com
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Ask Our Broker: Answering your real estate questions By Peter G. Miller CTW Features Q: Shortly after living at our new house we ran into a problem with a bat. We thought we took care of it, but recently it’s back - plus a whole gang. We’ve had one killed, which cost us $170, and the exterminator said it would be $1,000-$1,500 to bat-proof the house. We were wondering if that information should have been disclosed to us at time of closing, or if something like that has to be disclosed? A: Disclosure requirements vary by state so you need to speak with a local broker or attorney for rules Miller that might apply to the property. That said, I’d argue that there is no universal rule and rarely a need to disclose. Here’s why: First, a bat that randomly flies into a house is an “event” and not a condition. There’s nothing to
disclose. Second, a visual inspection of an attic or other area by a purchaser or a professional home inspector might readily find either bats or evidence of bats. Home inspectors, however, may not be required to identify a bat problem because it’s not a structural matter in the sense of a broken beam. On the other hand a large number of bats or their droppings suggests ready and improper access to the home and that open access, to me, should be seen as an inspection issue. Third, an owner may not know that bats are present, so how do you prove that the owner deliberately failed to disclose the presence of bats? It’s cheaper to batproof the house than to hire an attorney. Speak with several licensed pest controllers for their bat-removal advice, and get a few estimates if you elect to have work done. Q: You recently said the “the declining markets concept has gone away.” Can you flesh this out a little more for me?
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Living Green. Features, tips and updates on local sustainability efforts. Published the fourth Wednesday each month. www.northfieldnews.com
A: Late last year both Fannie Mae and Freddie Mac said they would require more down to buy homes in “declining areas.” From the perspective of a loan buyer, the concept makes some sense because if you buy mortgages you want the underlying security - the houses used to back the loans in case of default - to hold its value. Seen another way, less property value equals more lender risk. The problem is that it’s difficult to define a “declining market.” Do you include an entire metropolitan statistical area or just a ZIP code? Do you mean that values for all homes and in all neighborhoods are falling, or just some? If just some, how is such a label fair to homeowners with strong property values? More importantly, if you define an area as “declining” and you require more down, does not that requirement by itself result in less buyer demand and thus a declining market? On May 16, both Fannie Mae and Freddie Mac eliminated their declining-markets policy. Now down-payment requirements are the same and there is no longer a “declining markets” penalty.
Q: I recently tried to put my condo on the market and found that it was 150 square feet smaller than originally advertised. How did my home shrink? A: Protocol Z765-2003 of the American National Standards Institute provides a standardized way to calculate square footage but no one has to use it. “The square-footage standard is offered for voluntary application,” says the NAHB Research Center. “It must be applied as a whole, and is not meant to replace or supersede any legal or otherwise required existing area measurement method. It may be used in proposed, new or existing single-family homes of any style or construction, but is not applicable to apartment/multifamily buildings, and does not cover room dimensions.” Since we have a voluntary “standard” which no one has to use, it’s entirely possible that the ad marketing the property was “correct” - and that your current measurement was equally accurate. If you speak with appraisers and assessors you will find that
they have measurement standards that they employ consistently in their work, however, there is no rule that says another form of measurement cannot be used for marketing purposes. As an example, do you measure wall-to-wall for a room, or from halfway into a wall and then to halfway into an opposing wall? Do you count garages and basements or only areas that are finished? Do you count all finished areas or only those that are heated and air-conditioned? The bottom line is this: When someone tells you that a property has so many square feet, ask how they measured. And then see if the couch fits ... (c) CTW Features Peter G. Miller, author of “The Common-Sense Mortgage,” would like to hear from you. Send your questions to peter@ctwfeatures. com. Due to the volume received, not all letters may be answered.
The New York Times Crossword Puzzle FAULT-FINDING
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