Owatonna Area
REAL ESTATE GUIDE
June 2012 This photo is for illustration only. This is not an actual listing.
Owatonna.com
June 2012
Page 2 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.
May June 2012 2012
RealEstate EstateGuide Guide Page Page 3 1 Real
INDEX Bank of America ............................. 2 ERA Gillespie Real Estate ............. 7-8 HomeTown Credit Union ................ 8 Wells Fargo Home Mortgage .......... 6 Wells Federal Bank.......................... 4 Profinium ....................................... 5
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
‡ )D[ Publisher RON ENSLEY Advertising Director DEBBIE ENSLEY
email: densley@owatonna.com Media Consultants %(77< )5267 /8.( %52:1 DIANE GENGLER, RACHEL EBBERS, DEB THEISEN Advertising Design -(1,1( .8%,67$ .(//< .8%,67$ .(55, /<1&+ 68( 6&+867(5
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 Š 2012
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 â&#x20AC;&#x153;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.â&#x20AC;? 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.
Page 4 Real Estate Guide
June 2012
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.
June 2012
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
June 2012
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.
Jannell Tufte
Home Mortgage Consultant Office: ���-���-���� Cell: ���-���-���� ��� North Cedar Avenue Owatonna, MN ����� jannell.d.tufte@wellsfargo.com NMLSR ID ������
Matthew G LeTourneau
Sara Johnson
Home Mortgage Consultant Office: ���-���-���� Cell: ���-���-���� ��� N Cedar Avenue Owatonna, MN ����� matthew.g.letourneau@wellsfargo.com NMLSR ID ������
Home Mortgage Consultant Office: ���-���-���� Cell: ���-���-���� ���� South Oak Avenue Owatonna, MN ����� sara.c.johnson@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������ �/��-�/��
THE BENEFITS
OF
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.
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June 2012
Real Estate Guide Page 7
1 &HGDU 2ZDWRQQD 507.451.7488 800.658.7056 ZZZ HUDKRPH FRP HPDLO HUD#HUDKRPH FRP EQUAL HOUSING
OPPORTUNITY
$32,500
VISUAL TOUR #2732887
CUTE & COZY HOME! 6PDOO WRZQ OLYLQJ LQ 1HZ 5LFKODQG 2SHQ À RRU SODQ VWRU\ KRPH 7ZR EHGURRPV RQH EDWK 7LOHG À RRUV &RQWDFW &RQQLH .QXWVRQ 0/6
$125,000
THIS HOUSE CAN GROW UP OR DOWN! EHGURRP EDWK LQ +DUWODQG ([SDQGDEOH DWWLF RU EDVHPHQW SRVVLELOLWLHV /RWV RI PRGHUQ GqFRU DQG XSGDWHV 1HZHU EXLOW LQ ZLWK ¿ UHSODFH *RRG PHFKDQLFDOV DQG URRI FDU JDUDJH ZLUHG IRU VHUYLFHV &RQWDFW 1DQF\ 6OHWWHQ 0/6 NEW
CE!
PRI
$254,900
VISUAL TOUR #2707469
HAVE EVERYTHING! 8SJUDGHV WKURXJKRXW 3OXVK Q\ORQ FDUSHW \HDUV ROG *LDQW PDVWHU EHGURRP 1HZHU URRI VHDVRQ SRUFK *UDQLWH NLWFKHQ FRXQWHUWRSV &RQWDFW &RQQLH .QXWVRQ 0/6
$215,000
VISUAL TOUR #2740778
VISUAL TOUR #2759496
CE!
$314,900
VISUAL TOUR #2746815
DREAMS COME TRUE! 1DWXUH ZRRGHG ORW RI DFUHV EHGURRPV EDWKV 6DXQD JDV ¿ UHSODFHV FDU JDUDJH VHDVRQ SRUFK PRUH &RQWDFW %LOO 7KRPSVRQ 0/6
$156,900
NEW CONSTRUCTION AT ITS FINEST! 6SOLW OHYHO À RRU SODQ 2SHQ NLWFKHQ OLYLQJ GLQLQJ URRP &KHUU\ FDELQHWV NLWFKHQ LVODQG SDQHO GRRUV 9HU\ ODUJH VWDOO JDUDJH :DON RXW ORZHU OHYHO UHDG\ WR ¿ QLVK &RQWDFW 0DWW *LOODUG 0/6
TOWNHOME WITH UPDATES! EHGURRPV EDWKV +DQGLFDS DFFHVVLEOH PDLQ OHYHO 2QH RZQHU FDUHIXOO\ PDLQWDLQHG /RZHU OHYHO IDPLO\ URRP ZLWK JDV ¿ UHSODFH 0DLQ XSJUDGHV XSGDWHV &RQWDFW %LOO 7KRPSVRQ 0/6
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LIST
VISUAL TOUR #2774097
$179,900
NEW
VISUAL TOUR #2750275
TIP TOP CONDITION INSIDE & OUTSIDE IN HARTLAND! 0DLQ À RRU ODXQGU\ EHGURRP RI¿ FH +XJH NLWFKHQ ZLWK ORWV RI DPHQLWLHV 1HZ URRI HQWU\ GRRUV KRW ZDWHU KHDWHU EDWK ,Q À RRU KHDWHG FDU JDUDJH VWRUDJH VKHG /DUJH WUHHG ORW &RQWDFW 1DQF\ 6OHWWHQ 0/6
NEW
LIVE ON BROOKTREE GOLF COURSE! (QMR\ \HDU ORQJ IDQWDVWLF YLHZV &ORVH WR ZDONLQJ WUDLOV SDUN EHGURRPV EDWKV GRXEOH GHFNV +DUGZRRG À RRUV QHZ SDLQW DSSOLDQFHV &RXQWOHVV ZLQGRZV ZLWK VN\OLJKWV &RQWDFW 1DQF\ 6OHWWHQ 0/6
VISUAL TOUR #2686204
EASY LIVING! EHGURRPV EDWKV 0RYH LQ UHDG\ /RZHU OHYHO IDPLO\ URRP FDU JDUDJH *UHDW DUHD DQG QHLJKERUKRRG &RQWDFW %LOO 7KRPSVRQ 0/6
$149,000
VISUAL TOUR #2539653
$169,900
$89,900
VISUAL TOUR #2749387
VISUAL TOUR #2670087
VISUAL TOUR #2740702
RECENT ADDITION ADDS GENEROUS SIZED BEDROOMS! EHGURRPV ZLWK URRP\ FORVHWV 8SGDWHG NLWFKHQ EDWKURRP +DUGZRRG À RRUV QHZHU DSSOLDQFHV /DUJH VKDGHG IHQFHG EDFN\DUG &RQWDFW 1DQF\ 6OHWWHQ 0/6
$74,999
$65,000
ENJOY THE COUNTRY! (DV\ DFFHVV WR +Z\ 1HZHU KRPH RSHQ À RRU SODQ 6HYHUDO VKRSV DFUHV $WWDFKHG GHWDFKHG FDU JDUDJH EHGURRPV EDWKV 8SSHU OHYHO IDPLO\ URRP &RQWDFW &RQQLH .QXWVRQ 0/6
PEACEFUL & QUIET LOCATION! EHGURRPV VWRU\ KRPH +DUGZRRG À RRUV )HQFHG FRUQHU ORW &ORVH WR SDUN &RQWDFW &RQQLH .QXWVRQ 0/6
$159,000
VISUAL TOUR #2685599
DO YOU LIKE THE “SPARKLE OF NEW”? 'HVLJQ WRZQKRPH WR PHHW \RXU QHHGV EHGURRP EDWK 2SHQ À RRU SODQ ZLWK ¿ UHSODFH $WWDFKHG FDU JDUDJH /RWV RI QLFH DPHQLWLHV &RQWDFW 1DQF\ 6OHWWHQ 0/6
$245,000
VISUAL TOUR #2718371
NESTLED ON TOP OF A HILL IN A “WOODED .69 ACRE SETTING”! )DQWDVWLF NLWFKHQ EHGURRPV 6XQ URRP ZLWK JUHDW YLHZV 0DLQ À RRU PDVWHU EHGURRP ODXQGU\ PXG URRP 0XOWLSOH ZDON RXWV IURP ¿ QLVKHG ORZHU OHYHO 9HU\ SULYDWH &RQWDFW 1DQF\ 6OHWWHQ 0/6
$435,000
VISUAL TOUR #2724393
WINDY HILLS STABLE AND RANCH! DFUH KRUVH VHW XS ER[ VWDOOV WLH VWDOOV LQGRRU ULGLQJ DUHQD (VWDEOLVKHG FRQGLWLRQ XVH SHUPLW 1HZHU TXDOLW\ EXLOW UDQFK VW\OH KRXVH 6XQ SRUFK PDLQ À RRU ODXQGU\ RI¿ FH EHG EDWK ¿ QLVKHG ORZHU OHYHO &RQWDFW 1DQF\ 6OHWWHQ 0/6
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June 2012
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Page 8 Real Estate Guide
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