Owatonna Area
REAL ESTATE GUIDE
September 2012 This photo is for illustration only. This is not an actual listing.
Owatonna.com
September 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.
September 2012
Real Estate Guide Page
EQUAL HOUSING
OPPORTUNITY
September 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
Equal Housing Lender
www.profinium.com Member FDIC *Qualifications may apply.
Jennifer Svien NMLS # 663481
Matt Walerius NMLS # 663358
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September 2012
Real Estate Guide Page
1 &HGDU 2ZDWRQQD 507.451.7488 800.658.7056 ZZZ HUDKRPH FRP HPDLO HUD#HUDKRPH FRP EQUAL HOUSING
OPPORTUNITY
$215,000
NEW
VISUAL TOUR #2740778
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
$149,900
VISUAL TOUR #2816632
!
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LIST
$174,900
VISUAL TOUR #2849287
SUPER SWEET 5 BEDROOM MULTI-LEVEL! EHGURRPV EDWKV 2SHQ À RRU SODQ ZLWK YDXOWHG FHLOLQJV 2SHQ NLWFKHQ ZLWK FHQWHU LVODQG SDQWU\ 3DWLR QLFH ODQGVFDSLQJ 7ULSOH JDUDJH 0RWLYDWHG 6HOOHU &RQWDFW 6LG 6FKURHGHU 0/6 NE
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$119,900
VISUAL TOUR #2857066
ONE OWNER CLASSIC - ONLY SMALL TOWN CHARMER DRIVEN on SUNDAYS! IN MEDFORD! EHGURRPV RQH EDWK UDQFK VW\OH EHGURRPV EDWKV %HDXWLIXO KDUGZRRG À RRUV DFUH ORW SRUFKHV PDWXUH WUHHV :HOO PDLQWDLQHG LQVLGH DQG RXWVLGH 'RXEOH DWWDFKHG JDUDJH /DUJHU NLWFKHQ LVODQG ORWV RI FXSERDUG VSDFH 'RXEOH DWWDFKHG JDUDJH 4XLHW QHLJKERUKRRG 1HZHU ZLQGRZV KLJK HI¿ FLHQF\ IXUQDFH &RQWDFW &RQQLH .QXWVRQ &HUDPLF À RRUV KLJK FHLOLQJV 0/6 &RQWDFW &RQQLH .QXWVRQ 0/6
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$156,900
$169,900
VISUAL TOUR #2774097
VISUAL TOUR #2849414
UNIQUE SW OWATONNA MULTI-LEVEL! EHGURRP EDWK OHYHO KRPH 9DXOWHG FHOLQJ ODUJH URRPV /RZHU OHYHO EDVHPHQW OHYHO ZDON RXW 'LQLQJ URRP RSHQV WR ODUJH GHFN 1HZHU URRI &RQWDFW 6LG 6FKURHGHU 0/6 NEW
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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
$115,000
VISUAL TOUR #2804537
FRESHLY DECORATED! EHGURRPV EDWKV 1LFH EDVHPHQW ZLWK IDPLO\ URRP +DUGZRRG À RRUV 8SGDWHG NLWFKHQ EDWKV 4XLHW DUHD IHQFHG \DUG &RQWDFW &RQQLH .QXWVRQ 0/6
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$89,900
VISUAL TOUR #2793253
AFFORDABLE & NEWER! EHGURRPV EDWK )UHVKO\ XSGDWHG $OO DSSOLDQFHV 9LQ\O VLGLQJ 4XDOL¿ HV IRU DOO ¿ QDQFLQJ 2ZQHU $JHQW &RQWDFW &RQQLH .QXWVRQ 0/6
$28,900
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September 2012
Page Real Estate Guide
We Do FHA Mortgages! Purchases
&(! s 6! s #ONVENTIONAL
Refinances
Lower Your Rate Lower Your Payment Get Cash Out Eric Miller, MLO# 642739
Your Trusted Partner for Financial Success
507-455-6735 Direct 507-456-8987 Cell EMILLER HOMETOWNCU COOP
Serving those who live, work, worship or attend school in Dodge, Rice Steele and Waseca Counties
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.
September 2012
Real Estate Guide Page
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 ������ 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.
September 2012
Page Real Estate Guide
Broker Associate Realtor, GRI, SRES
Nancy Sletten Cell: 507-363-9368 nancy@erahome.com 1 &HGDU ‡ 2ZDWRQQD ‡ ZZZ HUDKRPH FRP
NEW $373,900 PRICE
VISUAL TOUR #2724393
$265,000
VISUAL TOUR #2534384
HIDDEN TREASURE 13.54 ACRES CLOSE TO TOWN! PROPERTY NEAR OWATONNA! ‡ +RUVH VHW XS ER[ VWDOOV WLH VWDOOV ‡ PLOHV WR FLW\ OLPLWV ‡ EHGURRPV EDWKV LQGRRU ULGLQJ DUHQD ‡ *UHDW SDWLR ‡ (VWDEOLVKHG FRQGLWLRQ XVH SHUPLW ‡ 2YHUVL]HG FDU DWWDFKHG JDUDJH ‡ 1HZHU TXDOLW\ EXLOW UDQFK VW\OH KRXVH ‡ [ SROH EXLOGLQJ ‡ 6XQ SRUFK PDLQ À RRU ODXQGU\ RI¿ FH ‡ EHGURRPV EDWKV ¿ QLVKHG ORZHU OHYHO 0/6 0/6
$189,000
VISUAL TOUR #2801896
4 BEDROOM, 3 BATH RANCH GREAT NE LOCATION! ‡ 0DLQ À RRU ODXQGU\ ‡ 0DVWHU EDWK ‡ )DPLO\ URRP ZLWK ¿ UHSODFH ‡ 'HFN DQG EDFN\DUG SRRO ‡ 1HZHU URRI FHQWUDO DLU 0/6
$149,000
VISUAL TOUR #2539653
NEW $184,000 PRICE
VISUAL TOUR #2795938
ACREAGE IN THE COUNTRY! ‡ DFUHV SDVWXUH ODQG EDUQ ‡ )DQWDVWLF FRQGLWLRQ LQVLGH RXWVLGH ‡ EHGURRPV EDWKV DWWDFKHG FDU JDUDJH ‡ /RZ PDLQWHQDQFH QDWLYH SODQW JDUGHQV ‡ 1HZ URRI VLGLQJ GRRUV UHWDLQLQJ ZDOO PRUH 0/6
NEW $144,000 LISTING
VISUAL TOUR #2848633
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 0/6
WELL MAINTAINED RANCH IN SE OWATONNA! ‡ EHGURRPV EDWKV ‡ 0DLQ À RRU IDPLO\ URRP DGGLWLRQ PDLQ À RRU ODXQGU\ ‡ 6HYHUDO QLFH EXLOW LQV ‡ 6WHHO VLGLQJ SDWLR À RZHU JDUGHQ ‡ 'HVLUDEOH ORFDWLRQ 0/6
NEW $129,400 LISTING
NEW LISTING
VISUAL TOUR #2852805
MOVE-IN READY 3 BEDROOM RANCH IN NEW RICHLAND! ‡ 2QH RZQHU KRPH ‡ /DUJH OLYLQJ URRP ZLWK ERZ ZLQGRZ ‡ )RUPDO GLQLQJ URRP ‡ /RZHU OHYHO IDPLO\ URRP ZLWK QG NLWFKHQ ‡ /RZHU OHYHO EHGURRP ZLWK HJUHVV ZLQGRZ ‡ 6WHHO VLGLQJ QHZ URRI 0/6
$87,900
VISUAL TOUR #2841952
Save Money… Save Time… Simplify Your Life EQUAL HOUSING
OPPORTUNITY
NEW $248,500 LISTING
VISUAL TOUR #2835419
$224,900
VISUAL TOUR #2793228
A WELCOMING ATMOSPHERE! A GREAT PLACE TO ‡ &RPIRUWDEOH HQWHUWDLQLQJ KRPH GROWN KIDS! UHOD[DWLRQ ‡ :RRGHG ORW EHKLQG SURYLGHV EHDXW\ ‡ )DEXORXV NLWFKHQ ODUJH EHGURRPV SULYDF\ ‡ 1HDU VFKRRO DQG ZDONLQJ SDWK LQ 0HGIRUG ‡ /DUJH IDPLO\ URRP ZLWK ZHW EDU ‡ +XJH KHDWHG ¿ QLVKHG FDU JDUDJH ‡ 2SHQ À RRU SODQ ZLWK IDEXORXV NLWFKHQ ‡ )RRWLQJV LQ SODFH IRU IXWXUH DGGLWLRQ GLQLQJ ‡ 6XQNHQ JUHDW URRP ZDON RXW ORZHU OHYHO 0/6 ‡ EHGURRPV EDWKV FDU JDUDJH PRUH 0/6
NEW $169,900 PRICE
NEW $159,900 LISTING
VISUAL TOUR #2759496
VISUAL TOUR #2831629
TOWNHOME WITH UPDATES! ‡ EHGURRPV EDWKV ‡ +DQGLFDS DFFHVVLEOH PDLQ OHYHO ‡ 2QH RZQHU FDUHIXOO\ PDLQWDLQHG ‡ /RZHU OHYHO IDPLO\ URRP ZLWK JDV ¿ UHSODFH ‡ 0DLQ XSJUDGHV XSGDWHV 0/6
$139,900
VISUAL TOUR #2794281
MAJOR UPDATES & AFFORDABLE! ‡ EHGURRPV EDWKV PXOWL OHYHO KRPH ‡ 8SGDWHV LQFOXGH QHZ URRI VWHHO VLGLQJ ZLQGRZV IXUQDFH ‡ 1HZHU GULYHZD\ JDUDJH GRRU ‡ &ORVHU WR VFKRROV FKXUFKHV 0/6
$74,999
VISUAL TOUR #2749387
LOTS OF UPDATES! TIP TOP CONDITION INSIDE ‡ 1HZ 5LFKODQG & OUTSIDE IN HARTLAND! ‡ EHGURRPV EDWKV ‡ 0DLQ À RRU ODXQGU\ EHGURRP RI¿ FH ‡ 0DLQ À RRU ODXQGU\ KXJH NLWFKHQ ‡ +XJH NLWFKHQ ZLWK ORWV RI DPHQWLWLHV ‡ 7ZR OHYHO GHFN ZLWK DFFHVV WR EDFN\DUG IURP ‡ 1HZ URRI HQWU\ GRRUV KRW ZDWHU KHDWHU ERWK À RRUV EDWK ‡ 1HZHU URRI ZLQGRZV VLGLQJ ‡ ,Q À RRU KHDWHG FDU JDUDJH VWRUDJH VKHG 0/6 ‡ /DUJH WUHHG ORW 0/6
LOOK WHAT YOU GET! ‡ 6WHHO VLGLQJ YLQ\O ZLQGRZV QHZ URRI ‡ 1HZHU IXUQDFH $& ‡ 0DLQ À RRU ODXQGU\ QHZHU NLWFKHQ DSSOLDQFHV ‡ EDWKV PDLQ À RRU EHGURRPV ‡ FDU DWWDFKHG JDUDJH DGGLWLRQDO GULYHZD\ VSDFH ‡ %HDXWLIXOO\ ODQGVFDSHG \DUG 0/6
NEW $136,000 LISTING
VISUAL TOUR #2852709
GREAT CURB APPEAL AND CHARM! MOVE-IN READY! ‡ EHGURRPV EDWKV ‡ /DUJH PDVWHU EHGURRP ZLWK PDVWHU EDWK ‡ )DQWDVWLF XSGDWHG NLWFKHQ PDLQ À RRU ODXQGU\ ‡ 'U\ EDVHPHQW QHZHU ZLQGRZV XSGDWHG HOHFWULFDO ‡ 'HFN SHUPDQHQW VLGLQJ QHZHU ODQGVFDSLQJ 0/6
NEW PRICE
$60,000
VISUAL TOUR #2793683
STEEL ROOF, PERMANENT SIDING & GOOD WINDOWS! ‡ 3UHVHUYHG FKDUDFWHU ‡ .LQJ VL]HG URRPV ‡ FDU JDUDJH ‡ 6LWV RQ WRS RI D KLOO ‡ 1LFH EDFN\DUG ZLWK PDWXUH WUHHV 0/6