North Minneapolis St Paul Twin Cities Metro Area Real Estate

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Open House Sunday Feb 22nd from 1pm to 3pm, 6580 Tart Court in Lino Lakes MN, 55038,

Open House Feb 22nd Sunday 1pm to 3pm Lino Lakes

Open House
6580 Tart Court
Lino Lakes, MN
Sunday Feb 22nd
1pm to 3pm

$10,000 Buyer Stimulus
Program on this Home!

Marvelous Two Story
5 Bedroom home
with 4 Bathrooms
and a Great Room
in Clearwater Creek!

Hardwood Floors, Granite Countertops, Hutch, Pantry, Two Fireplaces and a Secret Passageway!

Download PDF Full Listing Flyer Here

See the Virtual Open House Here

View the Web Page Here

This custom 2001 built home has 5 bedrooms, 4 bathrooms, and a 3 car garage, is situated on nearly a half acre, and offers 4,260 total finished square feet of living space!  Priced to sell at $464,900, this home offers tremendous luxury. This home is gorgeous as you can see from the photos below. The generous open floor plan offers breath taking views of the pond and surrounding natural areas and provides a full range of amenities: hardwood floors granite counter tops, large great room, vaulted ceilings, eat-in-kitchen, formal dining room, lower level walkout, game room, sitting room, two fireplaces, 4 panel doors, pantry, hutch, deck, patio, firepit, heated & insulated garage, concrete driveway, air to air exchanger, security system, water softener, 4 bedrooms on the same level, and a main floor laundry for your convenience.

Open house Blaine MN Executive TPC Home for Sale Front Real Estate Expert Patti Ann Kasper

 

TPC Executive Home Living Room Blaine MN Real Estate Patti Ann Kasper Homes for Sale

Open House Executive TPC Blaine MN Home for Sale Patti Ann Kasper Real Estate Expert

Open House Executive TPC Home Blaine MN Kitchen Home for sale Real Estate Patti Ann Kasper

Open House Blaine MN Executive TPC Home Master Bedroom Home for Sale Real Estate Expert Patti Ann Kasper

Open house Blaine MN Executive TPC Home for Sale Entertainment Room den Real Estate Expert Patti Ann Kasper

Open house Blaine MN Executive TPC Home for Sale Bath Real Estate Expert Patti Ann Kasper

Open house Blaine MN Executive TPC Home for Sale In Ground Heated Pool Real Estate Expert Patti Ann Kasper

Open house Blaine MN Executive TPC Home for Sale Garden Real Estate Expert Patti Ann Kasper

Open house Blaine MN Executive TPC Home for Sale Back Real Estate Expert Patti Ann Kasper

 

                   REO Specialist BPO foreclosure expert Minneapolis MN area Twin Cities Patti Ann Kasper Homes for Sale Real Estate 55038              Graduate Realtor Institute Real Estate Expert Patti Ann Kasper Short Sales Foreclosures

Patti Ann Kasper, GRI

For more information about my services, guarantees, or how I can help you find your next home, sell your home, buy a business or investment property.  Just call Patti Ann Kasper today at 763-548-1418!

To view my interactive on-line real estate magazine with listings, select the banner below:
Online Interactive Magazine of Homes Lino Lakes Real Estate Patti Ann Kasper MN 55014 55038 55110 55126

Touch the banner below to send this information to your friends or family!
Lino Lakes Homes for Sale Send To Friends and Family

Patti Ann Kasper, Your MinnesotaNorth Metro Twin Cities, and Lino Lakes MN Real Estate ExpertAssociates of Science Degree in Geographic Information Systems and Cartography from Anoka Ramsey Community College in Coon Rapids, Minnesota.
© Copyright
Patti Ann Kasper 2009 All Right Reserved.

 

 REO Specialist BPO foreclosure expert Minneapolis MN area Twin Cities Patti Ann Kasper Homes for Sale Real Estate 55038 Graduate Realtor Institute Real Estate Expert Patti Ann Kasper Short Sales Foreclosures
For more information about my services, guarantees, or how I can help you
find your next home, sell your home, buy a business or investment property.
Just call
Patti Ann Kasper today at 763-548-1418!

To view my interactive on-line real estate magazine with listings of homes for sale
in the Minneapolis Saint Paul Twin Cities Metro Area, select the banner below:
Online Interactive Magazine of Homes Lino Lakes Real Estate Patti Ann Kasper MN 55014 55038 55110 55126


Patti Ann Kasper, Your Minnesota, North Metro Minneapolis / Saint Paul Twin Cities, and Blaine MN Real Estate Expert! Associates of Science Degree in Geographic Information Systems and Cartography from Anoka Ramsey Community College in Coon Rapids, Minnesota.

© Copyright Patti Ann Kasper 2009 All Right Reserved

EXIT REalty Nexus Minneapolis Saint Paul MN Homes for Sale and Real Estate Experts

Women's Council of REALTORS Social Event February 29th

Great event in the Twin Cities, Minneapolis St Paul area of Minnesota.  See you there...

 REO Specialist BPO foreclosure expert Minneapolis MN area Twin Cities Patti Ann Kasper Homes for Sale Real Estate 55038 Graduate Realtor Institute Real Estate Expert Patti Ann Kasper Short Sales Foreclosures
For more information about my services, guarantees, or how I can help you
find your next home, sell your home, buy a business or investment property.
Just call
Patti Ann Kasper today at 763-548-1418!

To view my interactive on-line real estate magazine with listings of homes for sale
in the Minneapolis Saint Paul Twin Cities Metro Area, select the banner below:
Online Interactive Magazine of Homes Lino Lakes Real Estate Patti Ann Kasper MN 55014 55038 55110 55126


Patti Ann Kasper, Your Minnesota, North Metro Minneapolis / Saint Paul Twin Cities, and Blaine MN Real Estate Expert! Associates of Science Degree in Geographic Information Systems and Cartography from Anoka Ramsey Community College in Coon Rapids, Minnesota.

© Copyright Patti Ann Kasper 2009 All Right Reserved

EXIT REalty Nexus Minneapolis Saint Paul MN Homes for Sale and Real Estate Experts

295 W Eagle Lake Drive Maple Grove MN 55369 Want deeded access

Great Maple Grove Listing!

Via Melissa Gootee Northwest Suburbs Twin Cities in MN (EXIT Realty Eden Prairie):
295 W Eagle Lake Dr Maple Grove, MN
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Welcome to 2 9 5 West Eagle Lake Drive. This wonderful Townhouse is a Perfect place to call home. This home features two bedrooms and two baths. The family room is downstairs and a has a great gas fireplace. Walkout to your patio and you can sit outside and enjoy the surroundings that feel like your up north. The Association has many ammenaties for your pleasure. There are basketball and tennis courts, walking trails, and a heated pool to keep you entertained and fit. Lets not forget the deeded access to Eagle Lake. Call and set up your appointment today.
MLS# 3642822
$187,900
2 Bed, 2 Bath
295 W Eagle Lake Dr
Maple Grove MN, 55369

EXIT REALTY EDEN PRAIRIE

Melissa Gootee
Melissa Gootee
EXIT REALTY EDEN PRAIRIE
612-741-8822
mgootee@exitrealtyep.com

 REO Specialist BPO foreclosure expert Minneapolis MN area Twin Cities Patti Ann Kasper Homes for Sale Real Estate 55038 Graduate Realtor Institute Real Estate Expert Patti Ann Kasper Short Sales Foreclosures
For more information about my services, guarantees, or how I can help you
find your next home, sell your home, buy a business or investment property.
Just call
Patti Ann Kasper today at 763-548-1418!

To view my interactive on-line real estate magazine with listings of homes for sale
in the Minneapolis Saint Paul Twin Cities Metro Area, select the banner below:
Online Interactive Magazine of Homes Lino Lakes Real Estate Patti Ann Kasper MN 55014 55038 55110 55126


Patti Ann Kasper, Your Minnesota, North Metro Minneapolis / Saint Paul Twin Cities, and Blaine MN Real Estate Expert! Associates of Science Degree in Geographic Information Systems and Cartography from Anoka Ramsey Community College in Coon Rapids, Minnesota.

© Copyright Patti Ann Kasper 2009 All Right Reserved

EXIT REalty Nexus Minneapolis Saint Paul MN Homes for Sale and Real Estate Experts

The Bulk of the Nation's Bank Owned Homes: Perfectly Managed or are they Managed Perfectly?

Agents who do not agressively market REO and Foreclosure properties hurt us all - consumers, sellers, and banks - we will all pay the price in one way or another.

As an REO agent, I feel that ALL properties and ALL clients deserve a good marketing plan.

Our exclusive marketing program provides one-click access so that buyers can see inside the property.  We provide the maximum number of MLS photos (10 photos) on all listings, bilingual video and audio tours, optimized blogs, virtual tours, web sites, an 800 call capture system, live phone access, support and follow-up.

If you have any questions or would like to talk about how my guarantees and services can help you, please contact Patti Ann Kasper, by phone at: 763-548-1418, my email at: pakasper@ExitRealtyExecutives.com, or visit my website at www.PattiAnnKasper.com.

REO Specialist Patti Ann Kasper Real Estate Homes for Sale Minneapolis MN

 

Buyers: Receive a CASH BONUS of 2% of the sale price up to a maximum of $10,000.00 after closing when you purchase a home through me.

To find out more, call Patti Ann Kasper  at 763-548-1418 today!

Sellers: Your home SOLD in 39 days or less GUARANTEED, or I'll pay you up to $10,000 after closing!

*National Real Estate Stimulus Program* Participant

To view my interactive on-line real estate magazine with listings, select the banner below:Online Interactive Magazine of Homes Patti Ann Kasper Real Estate Expert Lino Lakes Homes for Sale Minnesota MN MLS Listings House bedrooms bdr

Touch the banner below to send this information to your friends or family!
Patti Ann Kasper Real Estate Expert Homes for Sale Lino Lakes Blaine Coon Rapids MN Minnesota MLS Bedrooms Navelinski Bdr BDR Listings Rental Invest

Patti Ann Kasper, Your MinnesotaNorth Metro Twin Cities, and Blaine MN Real Estate Expert!
© Copyright Patti Ann Kasper 2009 All Right Reserved

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Via EXIT Realty Executives Minneapolis:

With the growing foreclosure crisis across the nation, there is a movement of real estate brokers and agents attempting to get their fair market share of the REO action (Real Estate Owned).   Since the sell-thru ratios for Bank Owned real estate are selling at rates of 95%   and retail rates being less than 30%, the motivation to transition to REO's is obvious: ‘Sell what is selling'.  Most market centers across the nation have the bulk of the bank owned inventory listed with the same handful of REO brokers?  Why is that, and more importantly, why is that beginning to transition?   

 In Minnesota for example, a handful of real estate brokers had the foresight and now possess great fortune in representing the majority of the bank owned inventory in the Twin Cities.   Over the years, they have built strategic relationships with the key people who have entrusted their services to liquidate their bank-owned properties.  More importantly, these REO brokers have managed their clients' assets in a perfectly organized and systematic fashion.  A ‘Perfectly Managed' client!  Think about this scenario for a moment: you're the client (bank or asset manager) and that same REO broker in a different state is going to ‘Perfectly Manage' all of your assets in a particular region.  That same REO broker who manages all of your assets is the same person who meticulously communicates with you (the client) on every facet from securing the asset to property preservation.  Why wouldn't you (the client) continue working with that same broker?  Because the same handful of brokers have over extended case loads and handle hundreds of bank owned assets at the same time.  One of the questions that the Banks do not seem to have time to ask, study or review is this:  Are they getting the highest and best price in the shortest period of time with the marketing provided by their over extended REO Broker?   If they studied and reviewed the marketing efforts associated with their assets what might they find on a regular basis across the nation?  Perhaps it's a sign in the yard, an MLS posting with the minimum required information and only one photo (required by the MLS).  As a bonus, they all seem to have the infamous descriptive public remarks that says "Needs work".   That's the part that the client never sees or chooses to review.   What does the client see?   Obviously, the client is pleased from afar since their assets appear to be in good hands.  The lines of communication are consistent and meticulous as ordered by the client in advance.  They are ‘Perfectly Managed'.  Imagine what the client might do if they could be a bug on the wall and witness how their assets are actually being marketed and serviced to the general public.  If they randomly reviewed the marketing and consumer service provide by their REO Broker, would they continue to use them on future assets? 

Try this shocking exercise in your marketplace and test these results for yourself. 

•·        Go on-line at any broker reciprocity site such as:  Realtor.com.  Then, conduct a basic search in any of your favorite zip codes that has a blend of average priced homes for sale.  In that search determine the total number of homes for sale versus the number of listings with multiple photos

Here is what was found in several market areas across the nation in a random case study.  Over 76% of the average priced listings posted for sale have the minimum one photo.  Why one photo?  It's the required minimum or the listing broker receives a fine.   Now, try that same exercise with only the Lender Mediated listings and watch that number approach the upper 90th percentile.  At best that can be described as a pathetic effort in real estate marketing!  Yes, someone will attempt to rationalize this.   The majority of REO's are probably ‘Perfectly Managed' from the clients' perspective, yet they are so ‘Poorly Managed' in terms of the clients' ultimate goal which is:  Sell and Close the asset for the highest and best net price in the shortest period of time.  Without getting into the un-necessary bashing of REO brokers who appear to be printing money with what seems to be a minimum effort from the general public point of view;  REO Brokers do take on a huge amount of risk and over-head with respect to property preservation and management costs.  Setting risk aside, why do they stop at the marketing piece?  How can they go to bed each evening and say they did the best they could to sell their assets for the highest and best price in the shortest amount of time?  Instead, the majority of the inventory posted for sale are literally a challenge for the consumers to acquire for a variety of reasons all pointing back to the lack of marketing, service and accessibility.  Furthermore, there is absolutely little or no buyer follow-up on the buyer inquiries associated with these Bank Owned assets.  Try calling any of the bulk REO brokers.  You'll likely get a pre-recorded message such as: 

•·        ‘If you're an asset manager or a bank press 1, if you're a property preservationist press 2, if you're an agent calling to check status press 3, if you're an agent wanting to submit an offer, READ THE SUPPLEMENTS BEFORE SUBMITTING ANY OFFERS. Finally, if you're a buyer making an inquiry on this property, you can press 4 and leave a message'

Nobody ever gets back to them, because nobody really knows much about the asset.  Usually an assistant uploaded the data from a previous listing, hired someone to re-key, secure and preserve the property and they post a BPO picture taken months prior to the assignment.  These bulk REO Brokers understand the system very well.  They know that if nobody buys the asset, the client/bank will continue to drop the price until people break down the door with purchase agreements.  Almost sounds like a ‘self-serving Reverse Auctioneer'.  Also sounds like their case loads are out of control, but they're not complaining!

Here's a novel idea!  Shouldn't the Bank have all their assets marketed at the same level as that prestigious house in that prestigious neighborhood?  That one client/bank assigns the REO Broker numerous listings ranging from $10,000 assets to Upper Bracket assets.  Regardless of list price, ‘IT'S STILL THE SAME CLIENT!'   One satisfied client can generate Millions in annual inventory for the over loaded bulk REO Brokers.  Shouldn't the Brokers market and service each asset in the same manner as any ‘prestigious client'?   They should attempt to get that client the highest and best price in the shortest period of time.  Approximately 75% of the REO inventory is virtually invisible to the on-line buyers and supported with little to no consumer follow-up via internet or phone. What might be happening to the assets Stock Price?  Does anybody care? 

Let's go back to the opening statement regarding the movement of brokers and agents into the REO market share.   For those who are transitioning into the REO market share, let's ensure that paradigm shift includes better training and service to the end users.  This will enhance the housing stock and improve consumer confidence overall. Otherwise, this growing foreclosure crisis will continue to be a ‘Self-Serving Reverse Auction' whereby only the industry players get to play.  Regardless whether the hired Broker cares about the Banks' bottom line, the Banks are the client in this case and more REO Brokers need to market these assets with their best efforts and better marketing tools.  Over 50% of the REO buyers in Minnesota are first time home buyers.  Many simply overlook the majority of listings online that have only one photo.  In fact, many may overlook the ones without virtual tours. 

Each and every agent on an REO team in a Minneapolis office includes the following marketing efforts regardless of the assets list price:  maximum number of MLS photos, bilingual video and audio tours, live phone access, support and follow-up, and descriptive remarks for consumers to qualify the property online such as

  • "Charming bungalow on a tree lined street, level fenced yard.  Great opportunity for a buyer seeking sweat equity.  Needs cosmetic updating and some repair.  Ideal opportunity for a bargain hunter or handy buyers"

With that being said, first time home buyers and/or investors can literally qualify the property online to make informed decisions allowing them a more confident position to pursue the asset.   Nothing frustrates agents and buyers more when they take their precious time to show or preview REO's only to set one foot into the home and immediately walk right back out the door.   The home was instantly qualified or should we say, un-qualified in one physical glance and yet, that should have all been done on-line.  Frustrations escalate for buyers and buyer agents.   Inventory sits on the market for extended periods, and the ‘reverse auction' process continues to impact housing stock and the entire real estate marketplace.  Banks are losing more than they should with the conventional REO marketing and service associated with these bulk REO Brokers.  This foreclosure crisis might be "self serving industry" from the consumers' perspective if you think about it.

 

Real estate Brokers should take pride at how they market and service REO's.  Frank D'Angelo, a REO Broker in Minneapolis, MN is finding that fully marketing and engaging consumers with their exclusive bilingual videos and audio tours better qualifies their REO listings with qualified buyers.   Also, D'Angelo's trained agents and team concept regarding buyer and co-broker agent support enhances the entire process and closing rates.  D'Angelo says, "We're obtaining quicker purchase agreements on REO listings, which in turn, translates into a better bottom line for the client in the shortest period of time".

More importantly, D'Angelo continues to train his associates to better service, market and educate the consumers who are the necessary end users in this situation.   He welcomes the opportunity to work with and encourages more new REO brokers to get involved and continue that same mission of service.  Simply by doing a better job at what REO Brokers are hired to do will improve the real estate stock across the nation.  D'Angelo says, "I enjoy calling agents and brokers who have taken on new REO listings and congratulate them when they actually market the inventory for the consumers and ultimately for their clientSomething is in the water!  A shift is happening in the REO market.  It makes our job so much easier previewing, qualifying assets and working with co-operating REO Brokers who actually market their clients' assets using the best possible tools available to them".

D'Angelo sees this shift is happening in the Minneapolis/Saint Paul area and believes it will also happen across the nation.

Contact Information:

Frank D'Angelo, REO Broker/SRS

EXIT Realty Executives

REO Website:  http://www.MNReoEXIT.com

Bilingual Virtual Tours:  http://www.BankOwnedEXIT.com

(763) 548-1444 (Single Number Reach)

The Bulk of the Nation's Bank Owned Homes:  Perfectly Managed or are they Managed Perfectly?  Which is it?

 REO Specialist BPO foreclosure expert Minneapolis MN area Twin Cities Patti Ann Kasper Homes for Sale Real Estate 55038 Graduate Realtor Institute Real Estate Expert Patti Ann Kasper Short Sales Foreclosures
For more information about my services, guarantees, or how I can help you
find your next home, sell your home, buy a business or investment property.
Just call
Patti Ann Kasper today at 763-548-1418!

To view my interactive on-line real estate magazine with listings of homes for sale
in the Minneapolis Saint Paul Twin Cities Metro Area, select the banner below:
Online Interactive Magazine of Homes Lino Lakes Real Estate Patti Ann Kasper MN 55014 55038 55110 55126


Patti Ann Kasper, Your Minnesota, North Metro Minneapolis / Saint Paul Twin Cities, and Blaine MN Real Estate Expert! Associates of Science Degree in Geographic Information Systems and Cartography from Anoka Ramsey Community College in Coon Rapids, Minnesota.

© Copyright Patti Ann Kasper 2009 All Right Reserved

EXIT REalty Nexus Minneapolis Saint Paul MN Homes for Sale and Real Estate Experts

President Obama to Announce Homeowner Help on Wednesday, Minneapolis MN 55434

Help for Homeowners President Obama Announces Plan on WednesdayPresident Obama to Announce new Help for Homeowners on Wednesday!*

Good news for homeowners - President Obama will announce a plan to help homeowners facing foreclosures in a speech on Wednesday in Arizona.  In the meantime, some lenders decided to temporarily halt foreclosures on a homeowner's primary residence.

The Obama administration is working to craft a comprehensive plan to help stabilize the financial system by helping to halt foreclosures.   One aspect of the plan will fund a program to buy up bad mortgages at a discounted price and provide subsidies to prop up homeowners who are hard pressed to make their payments.  The plan is proported to includes a nationwide standard method for modifying loans to make them more affordable.

This plan to prevent foreclosures is part of a larger package of economic stimulus legislation.

For more information, check out the full news article. 

Link to Video: CNBC Panel Discussion 

Latest interest rates

Loan type

Today

    Last week

30-year fixed

5.28%

   5.44%

15-year fixed

4.96%

   5.16%

30-year fixed jumbo

7.10%

   6.91%

5/1 ARM

5.60%

   5.63%

7/1 ARM

5.79%

   5.73%

Source: Bankrate.com     |     View rates in your area

 

Lino Lakes MN Homes for Sale Real Estate Relocation Expert 55014 55038 55110 55126

For more information about my services, guarantees, or how I can help you find your next home, sell your home, buy a business or investment property.  Just call Patti Ann Kasper today at 763-548-1418!

To view my interactive on-line real estate magazine with listings, select the banner below:
Online Interactive Magazine of Homes Lino Lakes Real Estate Patti Ann Kasper MN 55014 55038 55110 55126

Touch the banner below to send this information to your friends or family!
Lino Lakes Homes for Sale Send To Friends and Family

Patti Ann Kasper, Your Minnesota, North Metro Twin Cities, and Blaine MN Real Estate Expert!  Associates of Science Degree in Geographic Information Systems and Cartography from Anoka Ramsey Community College in Coon Rapids, Minnesota.
© Copyright
Patti Ann Kasper 2009 All Right Reserved.

 REO Specialist BPO foreclosure expert Minneapolis MN area Twin Cities Patti Ann Kasper Homes for Sale Real Estate 55038 Graduate Realtor Institute Real Estate Expert Patti Ann Kasper Short Sales Foreclosures
For more information about my services, guarantees, or how I can help you
find your next home, sell your home, buy a business or investment property.
Just call
Patti Ann Kasper today at 763-548-1418!

To view my interactive on-line real estate magazine with listings of homes for sale
in the Minneapolis Saint Paul Twin Cities Metro Area, select the banner below:
Online Interactive Magazine of Homes Lino Lakes Real Estate Patti Ann Kasper MN 55014 55038 55110 55126


Patti Ann Kasper, Your Minnesota, North Metro Minneapolis / Saint Paul Twin Cities, and Blaine MN Real Estate Expert! Associates of Science Degree in Geographic Information Systems and Cartography from Anoka Ramsey Community College in Coon Rapids, Minnesota.

© Copyright Patti Ann Kasper 2009 All Right Reserved

EXIT REalty Nexus Minneapolis Saint Paul MN Homes for Sale and Real Estate Experts

Can Investors in Minnesota do a Short Sale? North Metro Minneapolis St Paul Twin Cities Real Estate Expert Patti Ann Kasper

Short Sales, Rental Properties, Foreclosure, ForebearanceYou might ask, "I own rental properties, so can I still do a short sale?"

Yes, it is very likely that you can, HOWEVER, there are additional consequences when compared to a short sale of a primary residence.  Primarily, you will have additional tax reporting and consequences as well as the possibility that the lender may report the deficiency, even though they release the deed.

Still, this may be a better option for you than a full foreclosure.

Here is more good information on short sales, foreclosures, and lender mediated sales in Minnesota that also apply to a primary residence:

If you or anyone that you know is facing a difficult, please do not hesitate ask questions and be careful of foreclosure prevention scams.  Please read the Minnesota Attorney General's Information on Foreclosure Consultants and Foreclosure Prevention Scams and read the tips on Facing a Mortgage Foreclosure.

Remeber, you have options.  Here are a few:

See a reputable mortgage counselor - Contact the Minnesota Housing Finance Agency or U.S. Department of Housing and Urban Development ("HUD") to find an approved local mortgage counselor. A reputable counselor may help you negotiate an arrangement with your lender or help you find appropirate local funding sources.

Minnesota Short Sale and Foreclosure Information Real Estate Homes for SaleRequest a loan modification from the Lender - Your lender maybe willing to modify your mortgage permanently and help keep you in your home.  If you have an ARM, as the lender to modify your loan.

Refinance with a new loan - If you are credit worthy, you may be able to get a more appropriate loan program for your financial situation, such as a fixed rate mortgage.  However, remember to check your current mortgage to see if there is a pre-payment penalty.  Also, you should not refinance too frequently as the closing costs may negate the potential cost saving.

Consider Reinstatement - Under a reinstatement, you pay off the past-due amount and any associated fees in order to bring the mortgage current again.  This may be an option if the cause of your default was a temporary situation that you are now able to rectify.

Ask for a forbearance - The lender may grant a forbearance which temporarily reduces or suspends your monthly payments until a set date and could allow you time to get back on your feet again.

Set up a repayment plan with the lender - Ask your lender lender to let you pay the past-due amount by adding partial payments to your regular monthly payments - rather than having to catch up all at one time.  This may be more manageable than paying back the past due amount all at one time.

EXIT Realty Real Estate Expert Patti Ann Kasper Short Sales Foreclosures REO BPOAsk the lender to waive fees or penalties - They may be willing to waive the penalties, fees and other charges if you meet their criteria and provide a good faith resolution that is attainable and you begin making monthly payments on time and repay the past-due interest and principal.

Explore selling your home - In some cases, this may be your best option, especially if you hold equity in the property.  Even if you do not hold equity, you still may be able to redeem your credit enough to purchase another home within just a few short years after going through a short sale - as opposed to ruining your credit for many years in a full foreclosure.

Homeowner Mediation Act Proposed by Attorney General Lori Swanson.  Find out more about this proposed consumer protection legislation.

Here are other valuable resources:

Foreclosure, Short Sales, and Other Things You Need to Know - Part 1
Foreclosure, Short Sales, and Other Things You Need to Know - Part 2

Foreclosure, Short Sales, and Other Things You Need to Know - Part 3

Minnesota Home Ownership Center
Luthern Social Services Financial Counseling
Acorn Housing Services - Hennepin County
Community Action Partnership - Suburban Hennepin County
Twin Cities Habitat for Humanity

City of St. Paul Foreclosure Prevention Program

Anoka County Community Action Program -
Anoka & Washington Counties
Dakota County Community Development Agency - Dakota County
Wright County Community Action - Wright County
Tri-Valley Opportunity Council - Norman and Polk Counties
Northwest Community Action - Lake of the Woods, Roseau, Kittson and Marshall Counties
Arrowhead Economic Opportunity Agency - St. Louis, Lake and Cook Counties
Minnesota Attorney General's Office
Mn Attorney General Housing Page

Cities, Counties Web Sites

Minneapolis Property Information
Minneapolis Truth and Housing
Minneapolis Code Compliance
Saint Paul Truth and Housing
Saint Paul Vacant Buildings
Saint Paul Zoning
HUD Homes
MOLD
City of Bloomington Inspections
City of Crystal Inspections
City of Hopkins Inspections
City of Maplewood Inspections
City of New Hope Inspections
City of Osseo Inspections
City of Richfield Inspections
City of St. Louis Park Inspections
Hazardous Waste Sites in MN
Lead Based Paint Poisoning
Radon
Septic System Disclosure
Septic System Rules
Minnesota Water and Wells
Wells, Search Public Records
Find a Private Home Inspector
ZIP Code Look-up Tool

Bi-County Community Action Program - Cass and Beltrami Counties
PO Box 579
Bemidji, MN 56619
(218) 751-4631

Carver County CDA (formerly HRA) - Carver & Scott Counties
705 Walnut Street
Chaska, MN 55318
(952) 448-7715

Inter-County Community Council - Penningon, Red Lake, Clearwater and Polk Counties
PO Box 189
Oklee, MN 56742
(218) 796-5144

Otter Tail Wadena Community Action Council - Otter Tail and Wadena Counties
125 West Lincoln Avenue, Suite 16
Fergus Falls, MN 56537
(218) 739-3011

Rochester/Olmsted Community Housing Partnership
2122 Campus Dr. SE, Suite 100
Rochester, MN 55904
(507) 328-7170

West Central Community Action Program - Pope, Stevens,Traverse, Grant, Douglas,Wilkin, and Clay Counties
411 Industrial Park Boulevard
Elbow Lake, MN 56531
(800) 492-4805 or (218) 685-4486

 

 Graduate Realtor Institute Real Estate Expert Patti Ann Kasper Short Sales Foreclosures
Patti Ann Kasper, GRI

For more information about my services, guarantees, or how I can help you find your next home, sell your home, buy a business or investment property.  Just call Patti Ann Kasper today at 763-548-1418!

To view my interactive on-line real estate magazine with listings, select the banner below:
Online Interactive Magazine of Homes Lino Lakes Real Estate Patti Ann Kasper MN 55014 55038 55110 55126

Touch the banner below to send this information to your friends or family!
Lino Lakes Homes for Sale Send To Friends and Family

Patti Ann Kasper, Your MinnesotaNorth Metro Twin Cities, and Blaine MN Real Estate ExpertAssociates of Science Degree in Geographic Information Systems and Cartography from Anoka Ramsey Community College in Coon Rapids, Minnesota.
© Copyright
Patti Ann Kasper 2009 All Right Reserved.

 REO Specialist BPO foreclosure expert Minneapolis MN area Twin Cities Patti Ann Kasper Homes for Sale Real Estate 55038 Graduate Realtor Institute Real Estate Expert Patti Ann Kasper Short Sales Foreclosures
For more information about my services, guarantees, or how I can help you
find your next home, sell your home, buy a business or investment property.
Just call
Patti Ann Kasper today at 763-548-1418!

To view my interactive on-line real estate magazine with listings of homes for sale
in the Minneapolis Saint Paul Twin Cities Metro Area, select the banner below:
Online Interactive Magazine of Homes Lino Lakes Real Estate Patti Ann Kasper MN 55014 55038 55110 55126


Patti Ann Kasper, Your Minnesota, North Metro Minneapolis / Saint Paul Twin Cities, and Blaine MN Real Estate Expert! Associates of Science Degree in Geographic Information Systems and Cartography from Anoka Ramsey Community College in Coon Rapids, Minnesota.

© Copyright Patti Ann Kasper 2009 All Right Reserved

EXIT REalty Nexus Minneapolis Saint Paul MN Homes for Sale and Real Estate Experts

How To Use Your AR "Settings" Page

Great Information and a nice little "how to"!

Via Brad Andersohn ~ Community Builder (ActiveRain):

Here is some information on "How To" use your Active Rain "My Settings" page.  I have tried to make this as simple as possible, for you to get the most out of your Active Rain experience.  To access your settings page, go to your "MY HOME" link at the top of the page next to the "Logout" option.  Make sure you are logged into Active Rain before you try and modify your settings.  Next, click on the "My Settings" link on the left hand side of the page just under the "My Ads" link.  The rest is detailed below for your use.  You might want to print these instructions so you won't have to go back and forth from this post and your "My Settings" page.

Brad Andersohn's - My Settings Instructions

Brad Andersohn's - My Settings Instructions

 This is your Blog's Title.  Be sure to give this some thought, it is the theme of your entire Blog.  This is what will appear when anyone clicks on the "Blogs" link at the Top of Active Rains main homepage.  You'll see this title under your Blog Subscriptions.  You can use any Title you want for your Blog, I suggest make it interesting, and not just your name like "Brad's Blog" or "My Blog".  Your Title will attract readers and your name in it will help search engines find YOU easier.  You can always change it if you come up with a better idea later.

 Your Blog Description.  This is an important area of your "My Settings Page" and it has multiple uses and values.  First, this is where you can add HTML code to your Blog.  For example, I want to have the search engines come see my Blog every 7 days to check for new and fresh content.

A. Here's the code I added for that.
<meta NAME="robots" CONTENT="ALL"/><meta NAME="revisit-after" CONTENT="7 days"/><p>

B. I also use Google Analytics for tracking, so I added their HTML code as well.

<script src="http://www.google-analytics.com/urchin.js" type="text/javascript"></script><script type="text/javascript">_uacct = "UA-XXXXX2026093-1";urchinTracker();</script>
QUICK  IMPORTANT TIP: Be sure to register your Blog or Site at Google Analytics to get your own code, the one above is a sample!  This code once added, will not make anything appear on your profile or sidebar, it is a hidden code.  All the reports and information gathered from your Blog have to be obtained from your Google/Analytics account at their website.

C. Add Meta Tags, or keywords for your Blog.  I use the following for my Blog:

<meta name="keywords" content="Title, Escrow, Technology, Solano, Contra Costa, Title Insurance, Agent Assist, Target Marketing, Marketing, Blogging "/>  Yours will obviously vary. 

D. Lastly, this is the section where you add the HTML code for widgets, gadgets, graphics, on vacation messages etc, that you want to appear on your sidebar under your photo.  There is an instructional page on "How To Add Widgets" to your sidebar in Active Rain. If you want your graphics and widgets to be centered, be sure to use <center> code at the beginning, and use </center> at the end of the code.

 Here is your Blogs Description. (Text Only - NO HTML Allowed Here)  This is where you should describe your Blog, it's content, and it's value to your readers, but remember this is your HUGE SEO opportunity.  You are limited to 100 words, so be direct and focused with your description and keywords.  FACT: This is the most overlooked area by new and existing AR members.  Want maximum SEO (Search Engine Optimization?  You need to read this!!! Trust Me!

 Allow Non-Member comments.  Be sure you have this box checked, otherwise readers who are not members of Active Rain will be unable to comment on your post.  Unless all your posts on your Blog are (members only) I would make sure it's checked!

 Sharing your comments.  Your comments are already shared in the posts where you've made them.  If you want other members and readers to access "All" your comments in one easy access location, you can check this box and allow them access.  It's really a matter of preference.

 General Settings.  There is currently only "One" option under general settings.  Let others know you are on-line or not!  If you notice at the top of the page right now, you'll see  "Members: 53,842 - 1,270 On-line Now"  in the upper right hand corner.  Out of 53,000 members, I have never seen more than 1600 members on-line at a time. If you click on the 1,270 On-line Now"  about every 5 seconds, you'll notice that the numbers change, funny thing is, the numbers never add up.  This is very interesting.  Regardless, ONLY check this box if you want to be seen by others that you're on-line.  Not sure why this is an option, who'd want to hide?  :-)



 Your Email Settings.  This is a very important part of Active Rain and your settings page.  You have to decide how you want your email notifications to work and be managed here.  Do you want to get emailed every time someone adds you as an associate?  What about the comments you'll receive on your Blog Posts?  What about the groups you've joined, the founder or administrator can do mass emails to the group, do you want to be notified?  There is even Manual Score Adjustments and Link Status notifications.  This is really up to each members discretion.  You can see, I like to be notified about anything that's going on with my Blog or posts! :-)

Brad Andersohn's - Members On-Line

 Your Referrals.  Use the Active Rain Referral Exchange to find the best Real Estate Professional match for your clients.  You can also use the associates that you have added to your personal network here.  This is NOT for just advertising your listings. This area of Active Rain is for "REFERRALS ONLY!" Please review and follow the instructions when you click on this link. 

 My Comments.  This is where you can go back and track every comment you have ever made on Active Rain.  Maybe you commented on another members post, and then had a change of heart and wanted to modify or change it, but you can't remember where that particular post is.  Use the "My Comments" link to go directly to any post you have made a comment on.  Most members don't even know this is here.  

  Your Points Summary.  This is a link to your total breakdown of points earned here on Active Rain.  Every point you'll ever receive will be found here.  It's a great tool to see your total points on Featured Posts, comments, regular points, inviting new members points and more.  ONLY YOU can see the breakdown of individual points, keep in mind other members can see your over-all points breakdown. TIP: This page can tell a lot about you or other members.  Take a look at it, or someone else's, you'll see what I mean!  Are you about points or content?  Do you comment as much as you receive?  Where is your focus here on Active Rain?  This link will tell!

  Your Blog Statistics.  How many comments do you receive?  How many views do you get on your post?  How many clicks are your posts getting?  It's all here at this link.  Another great feature of the Statistics link is that you can see every post you've ever submitted on one page!  I like using this page to see what's hot and what's not!  Using the statistics page will help you determine many things about your Blog and each of the post's you've written.

  Your Active Rain Bookmarks. This is the link that will take you to ALL the posts you have book-marked here in Active Rain.  We all get the comments from other members that say "I've Book-marked Your Post!"  This is so you can refer back to them at a later time when posts get get moved down and buried into a members Blog.  The sad thing is, just like "Toy Story" I'm not sure how many of us actually go back and utilize or read the posts we've book-marked.  I have hundreds, and am guilty of neglecting them as I am sure you will too. :-)

  Inviting Others.  Use this link to send an invitation to someone who is NOT currently a member but that you'd like to invite.  When you use this link to invite other Real Estate Professionals, you will be credited for their membership and get points for everything they do on Active Rain.  You will get a percentage of their points on any activity they have while Blogging here.  You also will get points just for them signing up from your invitation.  You can also sent an Active Rain Invitation on your own, just be sure to use the proper link or graphic so you can get credit for inviting them. 

  Links To Active Rain.  This link will give you options and graphics to place on other websites and Blogs.  This allows you to promote your membership here and the network.  You can use the HTML codes here to on outside  websites and Blogs.  You will receive "Bonus" points when you add these links to other Internet pages. Here is an example of some I have added to my Outside Blog at TechKnowBabble.  I suggest doing this not for points, but to help promote our Real Estate Network Community to others!

  Your Associates/Associations.  Here are all the other members that have added "YOU" as an associate.  When you add someone as an associate, don't forget to put a comment in the box at the bottom of the page.  When someone adds you as an associate, this is privilege and an honor.  Don't just add them without commenting, others want to read why you've added them, this adds credibility and helps them determine if they want to add them too.  This in my opinion is one of the best tools on Active Rain.  I use it as my Referral Network Resource and would truly refer business to those who I've added and who have added me.

The Final and MOST IMPORTANT TIP HERE: Don't forget to click on the  link when you're done making your changes. Trust Me, we have all learned the hard way!! LOL!

 Feel free to modify your settings now with the hopefully, a better understanding of what each of these areas and links provides.  If you have any questions on how to do ANYTHING here on Active Rain, there are hundreds of instructional posts available, or you can ask right here, I will try to answer or find the answer to your questions or comments.  I hope you'll find the same value and relationships that I have. There's nothing quite like being a member here at Active Rain.

Question Mark Graphic - Source: Artegami.com
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 REO Specialist BPO foreclosure expert Minneapolis MN area Twin Cities Patti Ann Kasper Homes for Sale Real Estate 55038 Graduate Realtor Institute Real Estate Expert Patti Ann Kasper Short Sales Foreclosures
For more information about my services, guarantees, or how I can help you
find your next home, sell your home, buy a business or investment property.
Just call
Patti Ann Kasper today at 763-548-1418!

To view my interactive on-line real estate magazine with listings of homes for sale
in the Minneapolis Saint Paul Twin Cities Metro Area, select the banner below:
Online Interactive Magazine of Homes Lino Lakes Real Estate Patti Ann Kasper MN 55014 55038 55110 55126


Patti Ann Kasper, Your Minnesota, North Metro Minneapolis / Saint Paul Twin Cities, and Blaine MN Real Estate Expert! Associates of Science Degree in Geographic Information Systems and Cartography from Anoka Ramsey Community College in Coon Rapids, Minnesota.

© Copyright Patti Ann Kasper 2009 All Right Reserved

EXIT REalty Nexus Minneapolis Saint Paul MN Homes for Sale and Real Estate Experts

2494 Arnold Palmer Dr Blaine MN 55449 TPC Executive Two Story Home for Sale

Open House this Sunday, Feb 15th from 2pm to 4pm on this great golf course property!

Via SHELDON BERQUIST Minneapolis Realtor (EXIT Realty Executives):

Executive TPC Home For Sale in Blaine MN, 55449 located on the 5th Green

ONLY A RELOCATION MAKES THIS EXCLUSIVE EXECUTIVE HOME AVAILABLE. OVER 100K BELOW REPLACEMENT. CLICK ON INTERACTIVE TOUR FOR THE $10,000 NATIONAL REAL ESTATE STIMULUS BONUS ASSOCIATED WITH THIS PROPERTY

2494 Arnold Palmer Dr Blaine, MN
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Welcome to one of the finest property locations on the entire tournament players golf course in one of the nations Top 50 Cities to live in. Blaine Minnesota. This executive two story home is located on the 5th green of the TPC. The lot is private and wooded with a heated in ground pool. Enjoy the outdoor spa or indoor sauna. The home was originally designed and built for a builders homestead and has since been meticulously detailed and upgraded through out the entire property. This executive home has 4,000 finished square feet, four bed rooms, four bath rooms, main floor den with built in cabinets, informal and formal dining areas. A main floor family room. Media room, sauna, a full bar, exercise room and much much more. There are too many amenities to list from the detailed ceilings, all natural exteriors, hardwoods, ceramic, stucco, stonework, walkout porch to in ground pool, spa and entertainment center. In order to appreciate this home and property it is a must see in both day time and evening hours with the professional lighting and landscaping features throughout. Furthermore, this home also qualifies for a $10,000 Cash Bonus from any participating agent of the National Real Estate Stimulus Program. For more information or showing appointments, please stay on the line to speak to the listing specialist for this property. Enjoy the rest of the photo tour of this executive home on the 5th Green of the TPC in Blaine.
MLS# 3588667
$624,900
4 Bed, 4 Bath
2494 Arnold Palmer Dr
Blaine MN, 55449

EXIT REALTY EXECUTIVES

Frank D'Angelo Broker/SRS
Frank D'Angelo Broker/SRS
EXIT REALTY EXECUTIVES
763-548-1430
Sheldon@exitrealtyexecutives.com

BY APPOINTMENT ONLY

 REO Specialist BPO foreclosure expert Minneapolis MN area Twin Cities Patti Ann Kasper Homes for Sale Real Estate 55038 Graduate Realtor Institute Real Estate Expert Patti Ann Kasper Short Sales Foreclosures
For more information about my services, guarantees, or how I can help you
find your next home, sell your home, buy a business or investment property.
Just call
Patti Ann Kasper today at 763-548-1418!

To view my interactive on-line real estate magazine with listings of homes for sale
in the Minneapolis Saint Paul Twin Cities Metro Area, select the banner below:
Online Interactive Magazine of Homes Lino Lakes Real Estate Patti Ann Kasper MN 55014 55038 55110 55126


Patti Ann Kasper, Your Minnesota, North Metro Minneapolis / Saint Paul Twin Cities, and Blaine MN Real Estate Expert! Associates of Science Degree in Geographic Information Systems and Cartography from Anoka Ramsey Community College in Coon Rapids, Minnesota.

© Copyright Patti Ann Kasper 2009 All Right Reserved

EXIT REalty Nexus Minneapolis Saint Paul MN Homes for Sale and Real Estate Experts

2500 Humboldt Ave N Minneapolis MN 55411 Bank Owned Home for sale

Lots of character in this bank owned property!

Via EXIT Realty Executives Minneapolis:
CODE COMPLIANCE REPORT COMPLETE. THIS PROPERTY IS NOW AVAILABLE
2500 Humboldt Ave N Minneapolis, MN
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Here is a low cost re-hab opportunity for the investor. Much of the work is already complete, however more work is required in the lower level including some mold issues. This corner lot home is solidly built and includes 4 bedrooms, 2 bathrooms, 2 fireplaces and a 2 car garage. The City Code Compliance report has been completed and ready for a quick sale. For more details or availability, simply stay on the line to speak to the listing specialist for this property and other bank owned properties.
MLS# 3617422
$29,900
4 Bed, 2 Bath
2500 Humboldt Ave N
Minneapolis MN, 55411

EXIT REALTY EXECUTIVES

Frank DAngelo Broker SRS
Frank DAngelo Broker SRS
EXIT REALTY EXECUTIVES
763-548-1444
dangelo@exitrealtyexecutives.com

 REO Specialist BPO foreclosure expert Minneapolis MN area Twin Cities Patti Ann Kasper Homes for Sale Real Estate 55038 Graduate Realtor Institute Real Estate Expert Patti Ann Kasper Short Sales Foreclosures
For more information about my services, guarantees, or how I can help you
find your next home, sell your home, buy a business or investment property.
Just call
Patti Ann Kasper today at 763-548-1418!

To view my interactive on-line real estate magazine with listings of homes for sale
in the Minneapolis Saint Paul Twin Cities Metro Area, select the banner below:
Online Interactive Magazine of Homes Lino Lakes Real Estate Patti Ann Kasper MN 55014 55038 55110 55126


Patti Ann Kasper, Your Minnesota, North Metro Minneapolis / Saint Paul Twin Cities, and Blaine MN Real Estate Expert! Associates of Science Degree in Geographic Information Systems and Cartography from Anoka Ramsey Community College in Coon Rapids, Minnesota.

© Copyright Patti Ann Kasper 2009 All Right Reserved

EXIT REalty Nexus Minneapolis Saint Paul MN Homes for Sale and Real Estate Experts

13461 Jay Street NW , Andover, MN 55304 Corner Lot & Home for sale in Echo Woods

Great home in Andover, Mn.

Via EXIT Realty Executives Minneapolis:
13461 Jay St NW Andover, MN
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Here is an opportunity for a spring or summer move to Echo Woods of Andover. This private location is situate on a wooded corner lot and is nicely finished on both levels. This home boasts over 1,800 finished square feet with a 17 foot spacious foyer, vaulted ceilings, finished deck, family room and additional bedroom on the lower level. The rear yard is completely fenced and beautifully wooded for your enjoyment. No need to wait for price changes on this short sale, simply make your offer at your price and acquire a great home in a great location for a great price. To speak to the short sale specialist on this property, CALL 763-548-1444
MLS# 3639361
$195,000
3 Bed, 2 Bath
13461 Jay St NW
Andover MN, 55304

EXIT REALTY EXECUTIVES

Frank DAngelo Broker SRS
Frank DAngelo Broker SRS
EXIT REALTY EXECUTIVES
763-548-1444
dangelo@exitrealtyexecutives.com

NO NEED TO WAIT FOR THE PRICE CHANGES. CHOOSE YOUR PRICE NOW!!!

 REO Specialist BPO foreclosure expert Minneapolis MN area Twin Cities Patti Ann Kasper Homes for Sale Real Estate 55038 Graduate Realtor Institute Real Estate Expert Patti Ann Kasper Short Sales Foreclosures
For more information about my services, guarantees, or how I can help you
find your next home, sell your home, buy a business or investment property.
Just call
Patti Ann Kasper today at 763-548-1418!

To view my interactive on-line real estate magazine with listings of homes for sale
in the Minneapolis Saint Paul Twin Cities Metro Area, select the banner below:
Online Interactive Magazine of Homes Lino Lakes Real Estate Patti Ann Kasper MN 55014 55038 55110 55126


Patti Ann Kasper, Your Minnesota, North Metro Minneapolis / Saint Paul Twin Cities, and Blaine MN Real Estate Expert! Associates of Science Degree in Geographic Information Systems and Cartography from Anoka Ramsey Community College in Coon Rapids, Minnesota.

© Copyright Patti Ann Kasper 2009 All Right Reserved

EXIT REalty Nexus Minneapolis Saint Paul MN Homes for Sale and Real Estate Experts