December 2011
Page 2 Real Estate Guide
Bankof ofAmerica America Home Home Loans® Loans® guidance guidance Bank yourreal realestate estateprofessional professional ++your homebuying buyingmade made clear clear ==home
Rely on our experience and guidance to help you find the loan option that’s right for your financial Rely on our experience and guidance help you find the loan option right for your financial circumstances. Combined with yourtoreal estate professional’s localthat’s market knowledge, you may be able circumstances. Combined with your real estate professional’s local market knowledge, you may be able to go from home shopper to homeowner. 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 The first step is how easy: We’llyou be can happy to review afford your goals and provide you with a prequalification information, you can thenthat can help determine much comfortably to borrow. With that information, can then help determine howreal much youprofessional can comfortably afford to borrow. Withforthat consult with your estate to find a home that’s right you. And when you apply, you’ll consult with your estate professional to find a home right for whenkey youterms apply,ofyou’ll benefit from ourreal exclusive Clarity Commitment® loanthat’s summary thatyou. will And highlight your loan benefit from our exclusive Clarity Commitment® loan summary that highlight key terms of your loan in easy-to-understand language. In the meantime, you may wish to will explore our valuable Home Loan in Guide, easy-to-understand language. In the meantime, you may wish explore ourthe valuable HomeGuide Loan which provides home financing tools and calculators. Youtocan access Home Loan Guide, which home financing tools and calculators. You can access the Home Loan Guide directly fromprovides our website. directly from our website. Add it up — the expertise of your local real estate professional, coupled with all that Bank of America Home has to offer, couldlocal be your for home buying success. Add it upLoans® — the expertise of your real formula 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. To get started, or for the name of a local real estate professional, contact us today. Kristin Meier Mortgage Loan Officer Kristin MeierCell (507) 213-9797 (507) 446-1181 Office Mortgage Loan Officer 102(507) N. Cedar AvenueCell 213-9797 Owatonna, MN 55060 (507) 446-1181 Office
102 N. Cedar Avenue
Kristin.Meier@BankofA merica.com
Owatonna, MN 55060 http://mortgage.bankofamerica.com/kristinmeier
Mark Meier Mortgage Loan Officer Mark Meier (507) 363-0030 Cell (507) 446-0080 Office Mortgage Loan Officer 102 N. Cedar Avenue Cell (507) 363-0030 Owatonna, MN446-0080 55060 Office (507)
102 N. Cedar Avenue
Mark .Meier@BankofAmerica.com
Owatonna, MN 55060 http://mortgage.bankofameri ca.com/markmeier
Mark .Meier@BankofAmerica.com Mark.Meier@BankofAmerica.com Kristen.Meier@BankofAmerica.com Kr istin.Meier@BankofA merica.com http://mortgage.bankofamerica.com/kristenmeier http://mortgage.bankofamerica.com/kristenmeier http://mortgage.bankofameri ca.com/markmeier The Clarity Commitment® summary is providedhttp://mortgage.bankofamerica.com/kristinmeier 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. NMLS 533156 NMLS 533094 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. ©2010 Bank of America Corporation ARV225F1 Borrowers should become fully informed by reviewing all of the loan and disclosure documentation provided.
Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to©2010 lend. Programs, rates, terms and conditions are subject to change without notice. Bank of America Corporation ARV225F1 Bank of America, N.A., Member FDIC. Equal Housing Lender. Protect recycling this document. Credityour and personal collateralinformation are subjectbefore 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.
December 2011
Real Estate Guide Page 3
INDEX Bank of America................................ 2 ERA Gillespie Real Estate................. 7-8 HomeTown Credit Union .................. 8 Profinium Mortgage ......................... 5 Wells Fargo Home Mortgage ............ 6 Wells Federal Bank ............................ 4
Owatonna Area
REAL ESTATE GUIDE
The Owatonna Area Real Estate Guide is a monthly publication distributed in the Owatonna People’s Press and at select area locations in Owatonna. It is endorsed by the Owatonna Multiple Listing members. A special project of The Owatonna People’s Press 135 W. Pearl St., Owatonna, MN
507-451-2840 • Fax 507-444-2382 Publisher RON ENSLEY Advertising Director DEBBIE ENSLEY
email: densley@owatonna.com Media Consultants BETTY FROST, LUKE BROWN, DIANE GENGLER, LAURIE JENSEN, DEB THEISEN Advertising Design JENINE KUBISTA, KELLY KUBISTA, KERRI LYNCH, SUE SCHUSTER
All advertising contained herein is the responsibility of the advertisers. The Owatonna Area Real Estate Guide retains the publication rights to all contents produced or supplied by the Owatonna Area Real Estate Guide. Use of material without written consent of Real Estate Guide is prohibited. All Rights Reserved © 2011
owatonna.com
EQUAL HOUSING
OPPORTUNITY
EQUAL HOUSING OPPORTUNITY
All real estate advertising in this publication is subject to the Fair Housing Act which makes it illegal to advertise “any preference limitation or discrimination based on race, color, religion, sex, handicap, family status, or national origin, or any intention to make such preferences, limitation or discrimination.” Familial status includes children under the age of 18 living with parents or legal custodians; pregnant women and people securing custody of children under 18. This publication will not knowingly accept any advertising for real estate which is in violation of the law. Our readers are hereby informed that all dwellings advertised in this newspaper are available on equal opportunity basis. To complain of discrimination call HUD toll-free at 1-800-669-9777. The toll-free phone number for the hearing impaired is 1-800-927-9275.
December 2011
Page 4 Real Estate Guide
Putting the Right People, In the Right Home, At the Right Time. Visit Jeff Goergen at Wells Federal Bank to make your dreams of owning a home become a reality.
496 W North St, Owatonna • 444-0010 www.wellsfederal.com FDIC Member
December 2011
Real Estate Guide Page 5
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
Equal Housing Lender
www.profinium.com Member FDIC *Qualifications may apply.
Jennifer Svien NMLS # 663481
Matt Walerius NMLS # 663358
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
®
Look for the Realtor logo to find the commitment and full services of a real estate professional.
December 2011
Page 6 Real Estate Guide
Get a strong team to pull for you We are proud to be part of the community and invite you to call or stop by to discover how we can assist you with your mortgage needs. Whether you are interested in new purchase, refinance, or a home equity loan or line of credit, Wells Fargo Home Mortgage can assist with finding a program that fits your unique goals.�
Call or visit your local team today. Sara Johnson
Home Mortgage Consultant Office: ���-���-���� Cell: ���-���-���� ���� South Oak Avenue Owatonna, MN ����� sara.c.johnson@wellsfargo.com NMLSR ID ������
Jannell Tufte
Home Mortgage Consultant Office: ���-���-���� Cell: ���-���-���� ��� North Cedar Avenue Owatonna, MN ����� jannell.d.tufte@wellsfargo.com NMLSR ID ������
Mickey Kelly
Home Mortgage Consultant Office: ���-���-���� Cell: ���-���-���� Fax: ���-���-���� ��� North Cedar Avenue Owatonna, MN ����� michelle.m.kelly�@wellsfargo.com NMLSR ID ������
�. Home equity loans and lines of credit are available through Wells Fargo Home Equity Group, a division of Wells Fargo Bank, N.A. Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A. � ���� Wells Fargo Bank, N.A. All rights reserved. NMLSR ID ������. AS������ ��/��-��/��
December 2011
Real Estate Guide Page 7
122 N. Cedar • Owatonna 507.451.7488 800.658.7056 www.erahome.com email: era@erahome.com EQUAL HOUSING
OPPORTUNITY
$74,900
save money • save time • simplify your life
VISUAL TOUR #2615607
BIG HOUSE SMALL PRICE! • 3 plus bedrooms • 2 baths • Permanent siding • Double attached garage • Formal dining Contact Sid Schroeder. MLS #4032806
$184,900
VISUAL TOUR #2553100
LOOKING FOR ALMOST NEW? • 4 bedrooms, 3 baths • Living room with fireplace • Lower level family room with wet bar • Insulated 3 car garage • Basement access from garage Contact Connie Knutson. MLS #4031314
$134,900
VISUAL TOUR #2232353
SOUTH END ONE-STORY HOME • 3 bedrooms, 2 baths • Double attached garage • Large open spaces • Master bedroom & bath • Main floor laundry Contact Connie Knutson. MLS #4022397
$475,000
VISUAL TOUR #2605358
AMAZING CUSTOM BRICK HOME & SHOP • 4 bedrooms, 3 full baths • Master & mother-in-law suite • Large open floor plan • 4 season porch & more! • 44x60 heated & AC shop/garage Contact Bill Thompson. MLS #4032578
$155,770
VISUAL TOUR #2550039
GREAT PLACE TO CALL HOME! • Quiet area, close to schools • Easy access to Highway 35 • 4 bedrooms, 2 baths • Lower level family room • Nice deck • Workshop added to garage Contact Connie Knutson. MLS #4031200
$575,000
VISUAL TOUR #2266695
A PRIVATE RETREAT! • 26.75 secluded acres • 3 bedrooms, 4 baths • Beautiful pond views • 36x50 metal building • Custom built 1978 home Contact Bill Thompson. MLS #4023310
NEW
E!
PRIC
$169,900
VISUAL TOUR #2618905
2 BEDROOM 2 BATH NEW CONSTRUCTION! • Vaulted ceilings • Oak cabinets, breakfast bar • Triple attached garage • Future expansion in lower level • Owner/Agent Contact Bill Thompson. MLS #4022734
$23,000
GREAT LOCATION! • Build new in NE Owatonna • All assessments paid • Seller willing to consider Contract for Deed • .57 acres Contact Connie Knutson. MLS #4025916
Our Team of Professionals Nancy SlettenBetsyMatt Gillard Rossi Broker Associate Realtor GRI, CREA GRI, SRES GRI
ABR
Erin Gillespie Matt BrokerGillard Associate GRI GRI, ERS
Barry Gillespie Connie Knutson Connie Knutson Deb Gillard Mark Woodrich Mark Erin GillespieBroker CRB, CRS, ePRO AssociateWoodrich Realtor Realtor CRS, GRI, ERS GRI, ERS CRS, GRI, ERS GRI ABR ABR
Sid Schroeder Bill Thompson Stephanie Woodrich Realtor Sid Schroeder Realtor Barry Gillespie Realtor GRI, ERSGRI, ERS GRI CRB, CRS, ePRO
Nancy Sletten GRI
Ohnstad Lud Gillespie Melinda David Lud Gillespie Cathie Miller Justin Rachel Realtor Goodwin Retired Realtor
Retired
December 2011
Page 8 Real Estate Guide
$348,900
Broker Associate Realtor, GRI, SRES
Nancy Sletten Cell: 507-363-9368 nancysletten@gmail.com 122 N. Cedar • Owatonna 507.451.7488 • 800.658.7056 www.erahome.com Save Money… Save Time… Simplify Your Life
VISUAL TOUR #2533127
3800 SQ FT ON 1/2 ACRE LOT SHORT DRIVE TO ELLENDALE! NEW
E!
PRIC
$164,500
VISUAL TOUR #2344357
EXTRA NICE HOBBY FARM NEAR MEDFORD! !
DING
PEN
!
NTRY
COU
$189,900
VISUAL TOUR #2482031
ONE FLOOR LIVING HANDICAP ACCESSIBLE
$148,900
$159,900
VISUAL TOUR #2499396
VISUAL TOUR #2539653
LOADED WITH EXTRAS THAT MEAN A LOT!
SPACIOUS RANCH WITH FANTASTIC PRIVATE WOODED BACKYARD!
GOLF COURSE TOWNHOME WITH NEW IMPROVEMENTS!
$91,850
DIAMOND IN THE ROUGH LOTS OF POTENTIAL!
EQUAL HOUSING
$223,900
VISUAL TOUR #2585609
VISUAL TOUR #2615494
OPPORTUNITY
!
NTRY
COU
NEW
!
PRICE
$79,900
VISUAL TOUR #2610764
LOCATION! BIG YARD! AFFORDABLE PRICE!
!
DING
PEN
$54,900
VISUAL TOUR #2581909
SPRUCED UP WITH IMPROVEMENTS IN KENYON!