Owatonna Area
REAL ESTATE GUIDE
April 2012 This photo is for illustration only. This is not an actual listing.
owatonna.com
April 2012
Page Real Estate Guide
Bank of America Home Loans® guidance + your real estate professional = home buying made clear Rely on our experience and guidance to help you find the loan option that’s right for your financial circumstances. Combined with your real estate professional’s local market knowledge, you may be able to go from home shopper to homeowner. The first step is easy: We’ll be happy to review your goals and provide you with a prequalification that can help determine how much you can comfortably afford to borrow. With that information, you can then consult with your real estate professional to find a home that’s right for you. And when you apply, you’ll benefit from our exclusive Clarity Commitment® loan summary that will highlight key terms of your loan in easy-to-understand language. In the meantime, you may wish to explore our valuable Home Loan Guide, which provides home financing tools and calculators. You can access the Home Loan Guide directly from our website. Add it up — the expertise of your local real estate professional, coupled with all that Bank of America Home Loans® has to offer, could be your formula for home buying success. To get started, or for the name of a local real estate professional, contact us today.
Kristin Meier Mortgage Loan Officer (507) 213-9797 Cell (507) 446-1181 Office 102 N. Cedar Avenue Owatonna, MN 55060
Mark Meier Mortgage Loan Officer (507) 363-0030 Cell (507) 446-0080 Office 102 N. Cedar Avenue Owatonna, MN 55060
Kristen.Meier@BankofAmerica.com Kr istin.Meier@BankofA merica.com
Mark .Meier@BankofAmerica.com Mark.Meier@BankofAmerica.com
http://mortgage.bankofamerica.com/kristenmeier http://mortgage.bankofamerica.com/kristinmeier
NMLS 533094
http://mortgage.bankofamerica.com/kristenmeier http://mortgage.bankofameri ca.com/markmeier
NMLS 533156
The Clarity Commitment® summary is provided as a convenience, does not serve as a substitute for a borrower’s actual loan documents and is not a commitment to lend. Borrowers should become fully informed by reviewing all of the loan and disclosure documentation provided. ©2010 Bank of America Corporation ARV225F1 Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice. Bank of America, N.A., Member FDIC. Equal Housing Lender. Protect your personal information before recycling this document.
EQUAL HOUSING
OPPORTUNITY
April 2012
Page Real Estate Guide
NEED SPACE? Room to gather or spread out in this lovely larger home with flex room, 4 BR, 3.5 baths & storage. Unique home with new wood floors, new shingles ‘09, a covered deck, and a large 1/2 acre homesite for relaxing, puttering or a game of ball. See for yourself how great your life could be, Call Shirley today! $240,000 507-444-9999.
PEACE OF MIND with a history of a dry basement in a brand new rambler by Schultz Homes. Gourmet kitchen, wood floors, large bedrooms, walk-in closets, heated floor in master bath, MF laundry, all just several blocks from Lincoln Elementary. Call Greg Schultz, builder, 507-456-4584 to tour or look at building a new home with the space only where you want it.
HISTORIC “DARBY HOUSE”. Beautiful stucco building from the 1880’s on a double lot with 1,400 sq. ft. of off street parking. The inside boasts of original oak woodwork with its hand carved details. The building is currently set up with two main reception areas and nine individual offices. $185,000. Call Gary, 507-390-1976.
HOME AND BUSINESS IN ONE... located across from our new Quick Trip and zone B-2. Lovely 4 bedroom home with huge kitchen plus a great place for an in-home business. Must see. Good off-street parking and great visibility. $99,000. Call Noel, 507-455-2882
GERMAN LAKE...beautiful 2 bdrm, 2 bath cedar year round or summer home...loft, stone fireplace, vaulted ceiling with skylights and natural knotty pine interior. Newer carpet, tile, deck, and kitchen. Wooded and fairly private with panoramic view of lake. $299,900. Call Noel, 507-455-2882. o/a
OFFICE SPACE. Over 1400 sq. ft. recently remodeled. Location that will increase your business just by being there. Reception room, waiting area, 5 large private offices, and full basement. Off street parking. $115,000 or $1150 per month rent. Call Noel, 507-455-2882.
Noel Quale CHS 507-455-2882
REALTOR
®
Shirley Schultz CHS 507-444-9999
Jill Pelovsky Office Manager
Gary Seykora 507-390-1976
Greg Schultz 507-456-4584 Commercial & New Construction
Visit parksideowatonna.com for more photos and complete listings!
EQUAL HOUSING
OPPORTUNITY
April 2012
Real Estate Guide Page
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If your home isn’t listed with a Realtor,
it might as well be You have a home for sale but no one is seeing it. Maybe because it isn’t listed with a professional Realtor. Realtors make it easy for you to buy or sell your home. They have access to a pool of serious home buying prospects... and a Multiple Listing Service that can offer buyers the affordable home of their choice. They do the legwork, the paperwork, and the hard work to help you sell your home quickly.
REALTOR
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Look for the Realtor logo to find the commitment and full services of a real estate professional.
April 2012
Page Real Estate Guide
WANT A LOWER MORTGAGE PAYMENT? ACT NOW WHILE RATES ARE LOW! See the Profinium mortgage staff for an appointment to lower your payment or shorten your mortgage term!*
OWATONNA LOAN PRODUCTION OFFICE
328 North Cedar Ave.
507-444-0101
www.profinium.com Member FDIC *Qualifications may apply.
Equal Housing Lender
THE BENEFITS
OF
Jennifer Svien NMLS # 663481
Matt Walerius NMLS # 663358
PROPER PRICING
When you determine your home’s price, beware of the pitfalls of overpricing. Logically, you would think that the higher the price of your house the more money you will receive for it, but there is a fine line between supply and demand. Potential buyers who see your home’s listing price may bypass even looking at it without considering making a lower offer. Concurrently, buyers who are looking only in a specific price range that is less than the cost of your house will never have the opportunity to view your home, leaving you with less
marketability. On the flip side, those who could afford to purchase your home will inevitabley be drawn to better values that are offered elsewhere. The perils of overpricing can be negated by the benefits of proper pricing. Below are just a few of the many benefits that can be reaped with proper pricing: • Higher offers accompany a fair market value. • Real estate agents will be more likely to show your home enthusiastically if he/she believes it is a good market value. A reasonably-priced home will generate competing offers among potential buyers. • A well-priced home will attract more qualified buyers, ensuring that its marketability remains.
FIRST MORTGAGES s 0URCHASES s 2El NANCES s &(! s 6! s #ONVENTIONAL
HOME EQUITIES s &IXED 2ATE s ,INES OF #REDIT
Call Bonnie or Sara 7 "RIDGE 3T s 3 #EDAR /WATONNA s Your Trusted Partner for Financial Success
www.hometowncu.coop