Owatonna Area
REAL ESTATE GUIDE
March 2012 This photo is for illustration only. This is not an actual listing.
owatonna.com
March 2012
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.
March 2012
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 ............ 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, RACHEL EBBERS, DEB THEISEN Advertising Design LORALEA BALDWIN, 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 © 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 “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.
March 2012
Page 4 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������ 12/11-03/12
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.
March 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
Page 6 Real Estate Guide
March 2012
March 2012
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
NEW
E!
PRIC
$227,000
NEW
save money • save time • simplify your life
2 STORY, 4 BEDROOMS, 3.5 BATHROOMS IN MEDFORD! • New paint and new carpets • Lots of cupboards and built-ins • Raised panel doors and tile floors • 2 sided fireplace and stainless steel appliances • Located near Medford school Contact Nancy Sletten. MLS #4033658
$159,000
BIG HOUSE, SMALL PRICE! • 3 plus bedrooms • 2 baths • Permanent siding • Double attached garage • Formal dining Contact Sid Schroeder. MLS #4032806
LOTS WITH LOTS OF OPTIONS! • Prime lots • Daylight lots • Semi-private & patio home lots • Very affordable • Open to all builders! Contact Matt Gillard.
COUNTRY WITHOUT THE COMMUTE! • 3/4 acre on edge of Albert Lea • Newer siding, windows & shingles • Completely remodeled • 3 bedrooms, 2 baths • Hickory cabinets, laminate flooring Contact Sid Schroeder. MLS #4026346
NEW
$109,000
VISUAL TOUR #2677460
$65,000
VISUAL TOUR #2670087
THIS HOUSE CAN GROW UP OR DOWN! • Expandable attic or basement possibilities • Lots of modern dècor and updates • Newer built-in with fireplace • Good mechanicals and roof • 2 car garage, wired for 220 services Contact Nancy Sletten. MLS #4034207
$164,900
AVOID OVERCROWDING! • 3 bedrooms, 3 bathrooms • 3 car garage • Screened porch • Improve with paint • Finish the family room Contact Bill Thompson. MLS #4033943
$119,900
LOOK NO FURTHER! EASY FINISH! • 3 bedrooms, 1 bath • 4th bedroom & 2nd bath - easy finish • Lower level family room - easy finish • New AC & furnace • Oversized 2 car garage Contact Bill Thompson. MLS #4034346
E!
PRIC
VISUAL TOUR #2658702
2 BEDROOM, 2 BATH NEW CONSTRUCTION! • Vaulted ceilings • Oak cabinets, breakfast bar • Private master bath, second full bath • Triple attached garage • Future expansion in the lower level • Owner/Agent Contact Bill Thompson. MLS #4022734
VISUAL TOUR #2390944
DO YOU LIKE THE “SPARKLE OF NEW”? • Design townhome to meet your needs! • 2 bedroom, 2 bath • Open floor plan with fireplace • Attached 2 car garage • Lots of nice amenities Contact Nancy Sletten. MLS #4034461
$169,900
VISUAL TOUR #2618905
EASY TOWNHOME LIVING! • 3 bedrooms, 3 baths • Lower level family room • 2 car garage • Great area and neighborhood Contact Bill Thompson. MLS #4034494
$149,900
VISUAL TOUR #2685599
VISUAL TOUR #2615607
SOLD
$174,900
VISUAL TOUR #2686204
VISUAL TOUR #2644410
$69,500
E!
PRIC
VISUAL TOUR #2670118
LIKE “BRAND NEW” IN CLAREMONT! • 2 bedroom, 2 car garage • Several upgrades • Appliances included • Oak woodwork, six panel doors • Affordable! Contact Nancy Sletten. MLS #4034276
$62,900
VISUAL TOUR #2646465
COZY BUNGALOW ON TOP OF A HILL! • 1 bedroom, 1 bath bungalow • Convenient location • Main floor laundry • Den/office • Plenty of room to expand Contact Connie Knutson. MLS #4033788
THINKING OF BUILDING? • 10 wooded & non-wooded lots • Great NE Owatonna location • Available to all builders • DEEP discounts on price Contact Matt or Deb Gillard.
March 2012
Page 8 Real Estate Guide
save money • save time • simplify your life
122 N. Cedar • Owatonna 507.451.7488 800.658.7056 www.erahome.com email: era@erahome.com
EQUAL HOUSING
Our Team of Professionals Nancy SlettenBetsyMatt Gillard Rossi Broker Associate Realtor GRI, CREA GRI, SRES GRI
ABR
Sid Schroeder
Realtor Nancy Sletten GRI, ERS GRI
Erin Gillespie Matt BrokerGillard Associate GRI GRI, ERS
OPPORTUNITY
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
Bill Thompson Justin Ohnstad Melinda David Ryan Jirele Stephanie Woodrich Realtor Sid Schroeder Rachel Mortgage Goodwin Barry Gillespie Realtor Realtor Cathie Miller Realtor GRI GRI, ERS CRB, CRS, ePRO
Gillespie LudLud Gillespie 1925-2011 Retired
FIRST MORTGAGES • Purchases • Refinances • FHA • VA • Conventional
HOME EQUITIES • Fixed Rate • Lines-of-Credit
Call Bonnie or Sara 2400 W. Bridge St. • 1620 S. Cedar Owatonna 507-451-3798 • 888-451-3798 Your Trusted Partner for Financial Success
www.hometowncu.coop