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Text Content

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(651) 789-5326
(651) 789-5326
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Questions? Start Here!
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Home Buying Process
Simple steps to making the home buying process easy & enjoyable
Find Out More
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FROM OUR BLOG

Monday, April 29, 2019


WE’RE READY TO HELP YOU BUY YOUR 1ST HOME

Over the last four years, our team has helped over 1,000 families buy and sell
across the state of Minnesota, and we’re looking forward to helping even more of
you in 2019. As part of this goal, we’d like to encourage you to reach ...  Read
More


TWIN CITY MARKET TRENDS

 * 22,744
   Total Properties Listed:
 * -18.35%
   Month-Over-Month Change:
 * 156
   Average Days On Market:
 * 11
   Total New Properties Today:
 * $263,905
   Median List Price:
 * -4.00%
   Month-Over-Month Change:

 * Home
 * Buyer Resources
 * Renting is Cheaper than Buying


HOME BUYING MYTH - RENTING IS ALWAYS CHEAPER THAN BUYING

Not according to a recent study, the results of which were posted at
MarketWatch.com. It finds that it’s cheaper to rent in only eight states and
Minnesota isn’t among them. Buying a home may seem like a huge expense because
of the initial outlay, but owning a home brings with it certain financial
benefits.

The most significant of these have to do with taxes. A Congressional Research
Service study finds that, on average, American homeowners saved about $1,900 a
year on their taxes. Some of the deductions afforded homeowners include mortgage
interest, property taxes and others. These are deductions you can’t take if you
rent a home and the savings help offset the annual cost of the home, something
many first-time buyers don’t take into account when determining whether or not
they can afford a certain house payment.

Consider as well that, depending on your down payment, mortgage rate and the
price of the home, you could just end up paying less per month on your own home
than you do for your landlord’s.

Owning a home also offers the opportunity to build equity. Homeownership, in
fact, is often referred to as a “forced” savings account, because it’s a
tangible asset that you can sell (hopefully for a nice profit!). Obtain a
15-year loan to speed up the accumulation of equity.
Finally, consider this: regardless of how long you live in your home, unless you
have a variable rate mortgage, your payment will remain steady. If you continue
to pay rent, it’s almost a given the landlord will raise it at some point during
your tenancy.

If you’re still not convinced that sometimes buying a home is cheaper than
renting, consult your tax specialist or accountant. He or she can crunch the
numbers for you, using current housing market statistics.

If you’re still in doubt, attend one of our home buying seminars or complete the
form below to find out what mortgages you might qualify for. We would be happy
to assist you with the home buying process and what down payment assistance may
be available to you!

First Name:
Last Name:
Email Address:
Phone:
Address:
City:
State: AL AK AZ AR CA CO CT DE DC FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN
MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY
Zip:

YOUR CREDIT AND INCOME

How is Your Credit Score? Select One Very Good: 750-850 Good: 680-750 OK:
600-680 Working on it: under 600 Don't Know my Score
Approximate Annual Household Income? Select One Less than $20,000/year $20,000 -
$30,000/year $30,000 - $40,000/year $40,000 - $50,000/year $50,000 -
$75,000/year $75,000 - $100,000/year More than $100,000/year
Price Range: Select One Less than $100,000 $100,000 - $150,000 $150,000 -
$200,000 $200,000 - $250,000 $250,000 - $300,000 $300,000 - $400,000 $400,000 -
$500,000 $500,000 - $750,000 $750,000 - $1,000,000 $1,000,000 - $1,250,000
$1,250,000 - $1,500,000 $1,500,000 - $1,750,000 $1,750,000 - $2,000,000
$2,000,000 - $2,500,000 $2,500,000 +

OTHER DETAILS

Planning to purchase a home in: Less than 60 days 2-3 Months 3-6 Months 6-9
Months 9-12 Months More than 12 Months
In what general area would you like to live?
Are you working with a Real Estate Agent?
Yes No
Agent Name:
Agent Company:
Comments:
Submit
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condition of purchase. You also agree to our Terms of Service, and to our
Privacy Policy regarding the information relating to you. Message and data rates
may apply. This consent applies even if you are on a corporate, state or
national Do Not Call list.
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REAL ESTATE SERVICES

 * Licensed in MN and WI
 * Barker Hedges Group
 * 3348 Sherman Court - #102
 * Saint Paul, MN 55121
 * (651) 789-5326


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 * NMLS #1458830


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