tag:blogger.com,1999:blog-64079418422271479762024-02-06T22:48:58.342-06:00Fargo Home Listingsfind for sale by owner homes and all fargo home listings. Modern Market Realtors BlogsShannon Barnum & Jim Christlhttp://www.blogger.com/profile/08851081216437568234noreply@blogger.comBlogger34125tag:blogger.com,1999:blog-6407941842227147976.post-41009755487978488962020-01-27T15:39:00.000-06:002020-01-27T15:39:52.259-06:00Most Agents Lack Knowledge and Experience. Ours Don't. | No Average Agents Here.<div class="separator" style="clear: both; text-align: center;">
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Call Modern Market Realtors 701-205-5517Shannon Barnum & Jim Christlhttp://www.blogger.com/profile/08851081216437568234noreply@blogger.com1North Dakota, USA47.5514926 -101.0020119000000142.0541281 -111.3291604 53.048857100000006 -90.674863400000021tag:blogger.com,1999:blog-6407941842227147976.post-44688628472931604422019-11-17T18:52:00.000-06:002019-11-17T18:52:14.604-06:00Homes For Sale Moorhead MN | Modern Market Realtors<div class="separator" style="clear: both; text-align: center;">
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Welcome Home! The work is done, this home is READY for you to simply
enjoy! You'll love this delightful 4 bed/2 full bath Rambler with an
oversized double garage and fully fenced yard. Home & Garage both
freshly painted and NEW shingles! New gorgeous flooring & paint
throughout entire home. The main level has a large remodeled kitchen
& dining area, 3 bedrooms with original hardwood floors, updated
bathroom, and good sized living room. Downstairs you'll find a spacious
family room, large bedroom with dual closets, a 2nd full bath completely
updated/remodeled with massive tub, and a huge laundry room with plenty
of space for storage. Includes washer, dryer and deep freeze. Don't
miss out--schedule your showing today!<br />
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<a href="https://www.facebook.com/Moorhead-Homes-For-Sale-734354763348417/" target="_blank"><span id="resultsheaderNoLinkText">1507 19 1/2 Street S Moorhead MN 56560</span></a> Shannon Barnum & Jim Christlhttp://www.blogger.com/profile/08851081216437568234noreply@blogger.com01507 19 1/2 St S, Moorhead, MN 56560, USA46.8591771 -96.7493931000000246.8590076 -96.749708100000021 46.859346599999995 -96.74907810000002tag:blogger.com,1999:blog-6407941842227147976.post-49887695662985685592019-07-18T02:43:00.000-05:002019-07-18T03:43:12.253-05:00Homes For Sale | Moorhead MN 56560<div class="separator" style="clear: both; text-align: center;">
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<span data-iv="" data-pid="1966742127379243449" data-r="" data-ve_type="32075" data-ved="2ahUKEwjjqtTE-r3jAhULbs0KHUdVAycQy_oBegQIARAA">See
Current Moorhead MN Listings. Try Our Easy-To-Use MLS Search. More Home
Listings. 1000s of Listings. No Sign-Up Costs. Advanced Home Search.
Daily Listing Updates. No Ads. Fastest Updates. Browse photos, see new
properties, get open house info, and research neighborhoods on <a href="https://fargohomesearch.com/community/890/moorhead-mn" target="_blank">Modern Market Realtors®</a></span><br />
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<a href="https://search.fargohomesearch.com/idx/results/listings?pt=1&city=31098&srt=newest" rel="noopener noreferrer" target="_blank"><span data-iv="" data-pid="1966742127379243449" data-r="" data-ve_type="32075" data-ved="2ahUKEwjjqtTE-r3jAhULbs0KHUdVAycQy_oBegQIARAA">Moorhead MN Homes For Sale</span></a>Shannon Barnum & Jim Christlhttp://www.blogger.com/profile/08851081216437568234noreply@blogger.com01306 24th Ave S, Moorhead, MN 56560, USA46.8515903 -96.75840529999999346.8514208 -96.7587203 46.851759799999996 -96.758090299999992tag:blogger.com,1999:blog-6407941842227147976.post-57473645377091720312019-07-01T04:33:00.000-05:002019-07-01T04:33:30.291-05:00Happy 4th of July From Your Friends at Modern Market Realtors® <div class="separator" style="clear: both; text-align: center;">
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<span aria-live="polite" class="fbPhotosPhotoCaption" data-ft="{"tn":"K"}" id="fbPhotoSnowliftCaption" tabindex="0"><span class="hasCaption">Happy 4th of July From Your Friends at Modern Market Realtors®</span></span><span class="fbPhotoTagList" id="fbPhotoSnowliftTagList"><span class="fcg"> </span></span>Shannon Barnum & Jim Christlhttp://www.blogger.com/profile/08851081216437568234noreply@blogger.com01306 24th Ave S, Moorhead, MN 56560, USA46.8515903 -96.75840529999999346.8514208 -96.7587203 46.851759799999996 -96.758090299999992tag:blogger.com,1999:blog-6407941842227147976.post-11002342087747264682019-03-17T03:01:00.000-05:002019-03-17T03:01:52.496-05:00Realtors in Moorhead MN | Modern Market Realtors<div class="separator" style="clear: both; text-align: center;">
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Whether you are looking to buy or sell your home, <a href="http://fargohomesearch.com/" target="_blank">Modern Market Realtors </a>and their real estate agents and brokers in Moorhead, MN connects you with professionals who can help meet your needs. Because the Moorhead real estate market is unique, it's important to choose a real estate agent or broker with local expertise to guide you through the process of buying or selling your next home. Our real estate professionals who specialize in buying, selling, foreclosures, or relocation - among many other options. Alternatively, you could work with a the best local agent or real estate broker who provides an entire suite of <a href="https://search.fargohomesearch.com/idx/results/listings?city[]=31098&srt=newest" target="_blank">buying</a> and <a href="https://fargohomesearch.com/sell" target="_blank">selling </a>services.<br />
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Social Media:<span class="Apple-style-span" style="color: #006621; font-family: "arial" , sans-serif; font-size: 15px; line-height: 18px;"> <a href="http://facebook.com/mnmrealtors">Facebook</a></span><br />
Social Media:<span class="Apple-style-span" style="color: #006621; font-family: "arial" , sans-serif; font-size: 15px; line-height: 18px;"><b> </b><a href="http://linkedin.com/in/jim-christl-9301b7165">Linkedin</a></span><br />
Social Media:<span class="Apple-style-span" style="color: #006621; font-family: "arial" , sans-serif; font-size: 15px; line-height: 18px;"> <a href="https://mobile.twitter.com/modernmarket">Twitter</a></span><br />
Social Media:<span class="Apple-style-span" style="color: #006621; font-family: "arial" , sans-serif; font-size: 15px; line-height: 18px;"> <a href="https://www.youtube.com/watch?v=Jwwv1OB7DTo">YouTube</a></span><br />
Social Media: <a href="https://www.zillow.com/profile/Shannon-Barnum/">Zillow</a><br />
Social Media: <a href="https://www.homes.com/real-estate-agents/shannon-barnum-jim-christl/id-6658212/">Homes.com</a><br />
Social Media: <a href="https://www.trulia.com/profile/shannon-barnum-jim-christl-agent-moorhead-mn-zg7r08nz/overview">Trulia.com</a><br />
<a href="https://fmrealtor.com/profile-realtor/445">Fargo Moorhead Association of Realtors</a><br />
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Modern Market Realtors<span class="w8qArf"> </span><span class="LrzXr"> </span><br />
<span class="LrzXr">1306 24th Ave S, Moorhead, MN 56560</span></div>
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<iframe allowfullscreen="" frameborder="0" height="200" src="https://www.google.com/maps/embed?pb=!1m18!1m12!1m3!1d2728.59846179351!2d-96.76059934914048!3d46.851593947717184!2m3!1f0!2f0!3f0!3m2!1i1024!2i768!4f13.1!3m3!1m2!1s0x52c8c97f31e101bd%3A0xbd2a7b2c08f11b48!2sModern+Market+Realtors!5e0!3m2!1sen!2sus!4v1552809162909" style="border: 0;" width="200"></iframe>Shannon Barnum & Jim Christlhttp://www.blogger.com/profile/08851081216437568234noreply@blogger.com01306 24th Ave S, Moorhead, MN 56560, USA46.8515903 -96.75840529999999346.8514208 -96.7587203 46.851759799999996 -96.758090299999992tag:blogger.com,1999:blog-6407941842227147976.post-40689021083729293072019-03-15T03:46:00.000-05:002019-03-15T03:46:02.494-05:00Best Realtors West Fargo ND | Modern Market Realtors<iframe allow="accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture" allowfullscreen="" frameborder="0" height="215" src="https://www.youtube.com/embed/nYToIi-oW5I" width="460"></iframe>Shannon Barnum & Jim Christlhttp://www.blogger.com/profile/08851081216437568234noreply@blogger.com0West Fargo, ND, USA46.8769487 -96.89990569999997746.7032112 -97.222629199999972 47.0506862 -96.577182199999982tag:blogger.com,1999:blog-6407941842227147976.post-12879716983787759852019-02-27T15:58:00.001-06:002019-02-27T16:01:08.952-06:00Modern Market Realtors: Modern Market Realtors | Fargo Moorhead Real Estat...<div class="separator" style="clear: both; text-align: center;">
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<a href="https://modernmarketrealtors.blogspot.com/2019/02/modern-market-realtors-fargo-moorhead.html?spref=bl">Modern Market Realtors: Modern Market Realtors | Fargo Moorhead Real Estat...</a>: Modern Market Realtors is a Fargo Moorhead Real Estate company. Serving the FM area for over 20 yrs. Our Services for Sellers: We specia...Shannon Barnum & Jim Christlhttp://www.blogger.com/profile/08851081216437568234noreply@blogger.com0tag:blogger.com,1999:blog-6407941842227147976.post-36203834715312514032019-02-24T02:02:00.001-06:002019-02-24T02:10:07.451-06:00Modern Market Realtors | Moorhead Homes For Sale On Facebook<div class="separator" style="clear: both; text-align: center;">
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Please Check out our <a href="https://www.facebook.com/Moorhead-Homes-For-Sale-734354763348417/" target="_blank">NEW Moorhead Homes For Sale</a>, by Modern Market
Realtors. If you thinking about buying or selling a home in Moorhead MN
give the professionals at Modern Market Realtors a call. We are proud
members of FMAAR and the Moorhead real estate community.<br />
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Modern Market Realtors<br />
1306 24 Ave S<br />
Moorhead MN, 56560<br />
(701)205-5517<br />
<a href="http://fargohomesearch.com/" target="_blank">FargoHomeSearch.com </a>Shannon Barnum & Jim Christlhttp://www.blogger.com/profile/08851081216437568234noreply@blogger.com01306 24th Ave S, Moorhead, MN 56560, USA46.8515903 -96.75840529999999346.8514208 -96.7587203 46.851759799999996 -96.758090299999992tag:blogger.com,1999:blog-6407941842227147976.post-61028686787006662152019-02-20T23:09:00.002-06:002019-02-20T23:09:51.466-06:00Modern Market Realtors | Members of Fargo-Moorhead Area Association-Realtors<div class="separator" style="clear: both; text-align: center;">
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Modern Market Realtors are proud members of the <a href="https://fmrealtor.com/" rel="noopener noreferrer" target="_blank">Fargo-Moorhead Area Association-Realtors</a>,
42nd Street South, Fargo, ND, USA. We have members since 2010 and love
serving the Fargo Real Estate community. Modern Market Realtors are
true professionals that really care about every real estate transaction. Feel free to visit <a href="http://fargohomesearch.com/">FargoHomeSearch.com</a><br />
Shannon Barnum & Jim Christlhttp://www.blogger.com/profile/08851081216437568234noreply@blogger.com01535 42nd St S Suite 300, Fargo, ND 58103, USA46.8569367 -96.852132624.595803699999998 -138.1607266 69.1180697 -55.543538600000005tag:blogger.com,1999:blog-6407941842227147976.post-20445323044774154882019-02-17T01:41:00.001-06:002019-02-17T01:41:19.996-06:00Fargo Real Estate For Sale | Modern Market Realtors<div class="separator" style="clear: both; text-align: center;">
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<b>Get your Home Listed today on the Fargo MLS </b><br />
Looking for a home for sale in Fargo? FargoHomeSearch.com is a great place to start that home search. We do not collect any personal information, all want is to create a great place to search for homes.if your looking for great realtors in Fargo or West Fargo call Modern Market Realtors today.<br />
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Modern Market Realtors-True professionals That really care!<br />
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<a href="http://fargohomesearch.com/" target="_blank">Modern Market Realtors</a><br />
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Call<br />
<b>Jim Christl (701)205-5517</b><br />
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<b>Shannon Barnum (701)205-5517</b>Shannon Barnum & Jim Christlhttp://www.blogger.com/profile/08851081216437568234noreply@blogger.com0Fargo, ND, USA46.8771863 -96.78980339999998346.5297063 -97.435250399999987 47.224666299999996 -96.144356399999978tag:blogger.com,1999:blog-6407941842227147976.post-805673349946245842019-01-17T00:55:00.000-06:002019-02-17T20:33:47.412-06:00Fargo Real Estate | What are home interest rates looking like in 2019? <div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi-z4fi6R_xV6R7F88qstRypDOEGn8n2XjcUr8WfrI_Y9jSPV-OYa0Xtb_iLYM5L9CmGg7mEQKzngYFCJRYUFiu7GOPLhZL62ide5-NpE_VsQhlOqTE8U04BPTgUfITEFdntg6aFxUtOs8/s1600/Moorhead.jpeg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="1600" data-original-width="1200" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi-z4fi6R_xV6R7F88qstRypDOEGn8n2XjcUr8WfrI_Y9jSPV-OYa0Xtb_iLYM5L9CmGg7mEQKzngYFCJRYUFiu7GOPLhZL62ide5-NpE_VsQhlOqTE8U04BPTgUfITEFdntg6aFxUtOs8/s320/Moorhead.jpeg" width="240" /></a></div>
The outlook for real estate in the Fargo Moorhead area looks
strong even with all the head winds we have had in 2018. Our thoughts
at Modern Market Realtors are that rates will remain stable thru 2019,
in spite of the tariffs and the govt shut down. Chances look great for
business as ususal in the Fargo Moorhead area. But Don't take our
opinion here is what the big boys say.<br />
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<a href="https://goo.gl/posts/eKhc1">Read More Here </a><br />
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Modern Market Realtors<span class="w8qArf"> </span><span class="LrzXr"> </span><br />
<span class="LrzXr">1306 24th Ave S, Moorhead, MN 56560</span></div>
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Phone: (701) 205-5517</div>
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Shannon Barnum & Jim Christlhttp://www.blogger.com/profile/08851081216437568234noreply@blogger.com01306 24th Ave S, Moorhead, MN 56560, USA46.8515903 -96.75840529999999346.8298718 -96.798745799999992 46.8733088 -96.7180648tag:blogger.com,1999:blog-6407941842227147976.post-21352167900729711602018-12-14T18:44:00.001-06:002018-12-14T18:45:12.932-06:00Modern Market Realtors: Happy Holidays to Fargo Real Estate<div class="separator" style="clear: both; text-align: center;">
<a href="https://leads.perfectstormnow.com/image/site/684/blog-5c1350e86815c.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="525" data-original-width="713" height="235" src="https://leads.perfectstormnow.com/image/site/684/blog-5c1350e86815c.jpg" width="320" /></a></div>
<a href="https://modernmarketrealtors.blogspot.com/2018/12/happy-holidays-to-fargo-real-estate.html?spref=bl">Modern Market Realtors: Happy Holidays to Fargo Real Estate</a>: Everyone at Modern Market Realtors would like to wish a Happy Holidays to All our home buyers and home sellers in Fargo, Moorhead and West...Shannon Barnum & Jim Christlhttp://www.blogger.com/profile/08851081216437568234noreply@blogger.com01306 24th Ave S, Moorhead, MN 56560, USA46.8515903 -96.75840529999999346.8514208 -96.7587203 46.851759799999996 -96.758090299999992tag:blogger.com,1999:blog-6407941842227147976.post-38412573969997070472018-12-11T23:49:00.001-06:002018-12-11T23:49:26.928-06:00Modern Market Realtors: What are special assessments in Fargo Moorhead?<a href="https://modernmarketrealtors.blogspot.com/2018/12/what-are-special-assesments-in-fargo.html?spref=bl">Modern Market Realtors: What are special assessments in Fargo Moorhead?</a>: Here at Modern Market Realtors we get asked a lot, what the heck are specials on property and why does no other area of the country have t...Shannon Barnum & Jim Christlhttp://www.blogger.com/profile/08851081216437568234noreply@blogger.com0tag:blogger.com,1999:blog-6407941842227147976.post-83770664901188086032018-11-18T02:25:00.001-06:002018-11-18T02:25:50.691-06:00Modern Market Realtors: Fargo Moorhead just seems to avoid those crazy ups...<a href="https://modernmarketrealtors.blogspot.com/2018/11/fargo-moorhead-just-seems-to-avoid.html?spref=bl">Modern Market Realtors: Fargo Moorhead just seems to avoid those crazy ups...</a>: Fargo Moorhead Real Estate has always been an anomaly in the big picture of housing. The FM area which I have lived in for over 30 yrs, al...Shannon Barnum & Jim Christlhttp://www.blogger.com/profile/08851081216437568234noreply@blogger.com0tag:blogger.com,1999:blog-6407941842227147976.post-6003636060380440002018-11-14T16:42:00.001-06:002018-11-14T16:42:08.960-06:00Video 366 Edgewater Dr West Fargo ND Reduced Price Modern Market Realtors<iframe allowfullscreen="" frameborder="0" height="270" src="https://www.youtube.com/embed/NxMvWqJRvYE" width="480"></iframe>Shannon Barnum & Jim Christlhttp://www.blogger.com/profile/08851081216437568234noreply@blogger.com0tag:blogger.com,1999:blog-6407941842227147976.post-3622788977813942622018-11-13T13:58:00.001-06:002018-11-13T13:58:27.120-06:00Modern Market Realtors: FargoHomeSearch.com: Jake and Lori Scott Another H...<a href="https://modernmarketrealtors.blogspot.com/2018/11/fargohomesearchcom-jake-and-lori-scott.html?spref=bl">Modern Market Realtors: FargoHomeSearch.com: Jake and Lori Scott Another H...</a>: Jake and Lori another happy customer! Thanks guys, you were so much fun! hope you enjoy your new home and life. FargoHomeSearch.com T...Shannon Barnum & Jim Christlhttp://www.blogger.com/profile/08851081216437568234noreply@blogger.com0tag:blogger.com,1999:blog-6407941842227147976.post-78726625423557859192018-11-07T15:46:00.001-06:002018-11-07T15:46:05.931-06:00Fargo Moorhead Realtors: Generation Z and the Crushing Effects of he Great ...<a href="https://fargorealtors.blogspot.com/2018/11/generation-z-and-crushing-effects-of-he.html?spref=bl">Fargo Moorhead Realtors: Generation Z and the Crushing Effects of he Great ...</a>: When the housing market collapsed 10 years ago, conventional wisdom held that millennials would become a lost generation — a generation t...Shannon Barnum & Jim Christlhttp://www.blogger.com/profile/08851081216437568234noreply@blogger.com0tag:blogger.com,1999:blog-6407941842227147976.post-76105263489196493222018-11-05T08:53:00.002-06:002018-11-05T08:53:58.991-06:003133 5 Street E, West Fargo ND<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjCh__B-AZVGJn7-S0JVglaWq4AUIRWPBjoZRzXeTJYN_NzNbCX8b7hABtFylPT_6hpbUEDiO68cPIUX8ZHRhOjJv7caykgZFpZYi7wjcIOcQpwrQv1LKeMbD_1X2-903qukgv1fvdaki8/s1600/Modern-market-realtors2psd.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="1067" data-original-width="1600" height="213" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjCh__B-AZVGJn7-S0JVglaWq4AUIRWPBjoZRzXeTJYN_NzNbCX8b7hABtFylPT_6hpbUEDiO68cPIUX8ZHRhOjJv7caykgZFpZYi7wjcIOcQpwrQv1LKeMbD_1X2-903qukgv1fvdaki8/s320/Modern-market-realtors2psd.jpg" width="320" /></a></div>
<span class="Apple-style-span" style="font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13px; line-height: 18px;">Check out This Property with Modern Market Realtors for Sale.<br /><a href="https://search.fargohomesearch.com/idx/details/listing/a460/18-5727">3133 5 Street E, West Fargo ND </a><br />Call Jim Christl 701-205-5517</span>Shannon Barnum & Jim Christlhttp://www.blogger.com/profile/08851081216437568234noreply@blogger.com11306 24th Ave S, Moorhead, MN 56560, USA46.8515903 -96.75840529999999346.8514208 -96.7587203 46.851759799999996 -96.758090299999992tag:blogger.com,1999:blog-6407941842227147976.post-80746744879635305822018-08-30T01:46:00.001-05:002018-11-05T08:47:52.334-06:00Modern Market Realtors: Why existing homes will becoming more and more att...<div class="separator" style="clear: both; text-align: center;">
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<a href="http://modernmarketrealtors.blogspot.com/2018/08/why-existing-homes-will-becoming-more.html?spref=bl">Modern Market Realtors: Why existing homes will becoming more and more att...</a>: Existing Home Definition:Existing home sales is an economic indicator released by the National Association of Realtors. The data reflect th...Shannon Barnum & Jim Christlhttp://www.blogger.com/profile/08851081216437568234noreply@blogger.com01306 24th Ave S, Moorhead, MN 56560, USA46.8515903 -96.75840529999999346.8514208 -96.7587203 46.851759799999996 -96.758090299999992tag:blogger.com,1999:blog-6407941842227147976.post-61963513664171959402013-04-25T10:07:00.000-05:002013-04-25T10:07:57.277-05:00Find out the current value of your home HERE! - "Quick & Easy" <div style="text-align: center;">
<b><span style="font-size: large;">You will receive this information quickly, by email and without having to speak with an agent! </span></b></div>
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Complete the required information on your home and you will receive a complimentary Computer Analysis indicating your home's approximate present value on the market today.<br />
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<span style="font-size: small;"><b>Simple...Automated...Dependable...</b></span></div>
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Shannon Barnum & Jim Christlhttp://www.blogger.com/profile/08851081216437568234noreply@blogger.com0tag:blogger.com,1999:blog-6407941842227147976.post-56355214055477281242013-04-02T11:44:00.000-05:002013-04-02T11:44:00.041-05:00Fargo Home Buyer Alert: What is a credit score.<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg3_Czo6lmNFxD8t_YogH6Bs4oyoS70VSONEOuQfLVTHofz42YQ-CaS6OStxFHg_mgKiy9SbJMy53iNau43JTPuFsaktnz84iIrZdvs-9pL0I2KWtMLgmXW5Tl2sM08aOvZjkYug5Z-aes_/s1600/first-time-home-buyers-credit-score-fargo-nd.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg3_Czo6lmNFxD8t_YogH6Bs4oyoS70VSONEOuQfLVTHofz42YQ-CaS6OStxFHg_mgKiy9SbJMy53iNau43JTPuFsaktnz84iIrZdvs-9pL0I2KWtMLgmXW5Tl2sM08aOvZjkYug5Z-aes_/s320/first-time-home-buyers-credit-score-fargo-nd.jpg" height="246" width="400" /></a></div>
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Our credit score can mean the difference between being denied or approved for credit, and a low or high interest rate. A good score can help you qualify for an apartment rental and even help you get utilities connected without a deposit.<br />
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<b>So what is it?</b></h2>
Your credit score is a three-digit number generated by a mathematical algorithm using information in your credit report. It's designed to predict risk, specifically, the likelihood that you will become seriously delinquent on your credit obligations in the 24 months after scoring.<br />
There are a multitude of credit-scoring models in existence, but there's one that dominates the market: the FICO credit score. According to myFICO.com, the consumer website for the FICO score developer, "90 percent of all financial institutions in the U.S. use FICO scores in their decision-making process."<br />
FICO scores range from 300 to 850, where a higher number indicates lower risk. What's a good score?<br />
A consumer has three FICO scores, one for each credit report provided by the three major credit bureaus: Equifax, Experian and TransUnion. Unfortunately, consumers currently have access to only their Equifax and TransUnion FICO scores. Experian ended its agreement with myFICO.com in 2009.<br />
What goes into a credit score?<br />
Data from your credit report goes into five major categories that make up a FICO score. The scoring model weighs some factors more heavily, such as payment history and debt owed.<br />
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Payment history: (35 percent) -- Your account payment information, including any delinquencies and public records.<br />
Amounts owed: (30 percent) -- How much you owe on your accounts. The amount of available credit you're using on revolving accounts is heavily weighted.<br />
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Length of credit history: (15 percent) -- How long ago you opened accounts and time since account activity.<br />
Types of credit used: (10 percent) -- The mix of accounts you have, such as revolving and installment.<br />
New credit: (10 percent) -- Your pursuit of new credit, including credit inquiries and number of recently opened accounts.<br />
Personal or demographic information such as age, race, address, marital status, income and employment don't affect the score.<br />
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<b>Different score impact for same missteps</b><br />
How much does a specific change affect a credit score? The answer is usually "it depends," and for good reason. Credit score developers don't reveal the exact point deductions. The weight of any given activity can also vary for different credit histories.<br />
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Within a scoring model, there's more than one formula used to calculate a score, and each formula is designed for a category of consumers with similar credit profiles. The information in your credit report determines which formula is used. If you are new to credit, for instance, the scoring model will put you into a category for people with young credit histories, and use a scoring formula specific to that group. Such groups are called scorecards. Within that group, recent inquiries may cost more points than they would for a different group.<br />
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How to check your credit score</h2>
<span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;">Federal law mandates the consumer's right to a <a href="http://www.bankrate.com/finance/credit-debt/how-to-get-your-free-credit-report.aspx" style="color: #1c4788; cursor: pointer; text-decoration: none;">free credit report</a> annually from each credit reporting agency, but not to a <a href="http://www.bankrate.com/finance/credit-cards/how-to-get-a-free-credit-score-1.aspx" style="color: #1c4788; cursor: pointer; text-decoration: none;">free credit score</a>. Use our <a href="http://www.bankrate.com/calculators/credit-score-fico-calculator.aspx" style="color: #1c4788; cursor: pointer; text-decoration: none;">FICO score estimator</a> to get your score range free of charge. To get your exact number, you have to purchase it from a score provider, such as myFICO.com or one of the reporting agencies.</span><br />
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Shannon Barnum & Jim Christlhttp://www.blogger.com/profile/08851081216437568234noreply@blogger.com0tag:blogger.com,1999:blog-6407941842227147976.post-38301877610904259162013-03-30T08:17:00.000-05:002013-03-30T08:17:00.265-05:0020 Signs You Need a Financial Makeover<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgH2yWICnwA5qqM8HdYAC2GGEf4vORv3tdNNTwACdilwsxCZsebfL4G-SapqEPmQf0dXe3kYmCkBOGeN82By-xRf3PJYskrsP5a_HqnWkWMQvwwIMvIH0Hxw2LRKcYHs4m5iINHJecbkYK0/s1600/20-signs-you-need-a-financial-makeover-fargo-nd.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgH2yWICnwA5qqM8HdYAC2GGEf4vORv3tdNNTwACdilwsxCZsebfL4G-SapqEPmQf0dXe3kYmCkBOGeN82By-xRf3PJYskrsP5a_HqnWkWMQvwwIMvIH0Hxw2LRKcYHs4m5iINHJecbkYK0/s1600/20-signs-you-need-a-financial-makeover-fargo-nd.jpg" /></a></div>
1. You charge group dinners on your card and keep your friends’ cash to spend. I actually don’t mind doing this myself as it saves me a trip to the ATM if I need the cash, but if you’re just being stupid and thinking it’s “free money” to go and blow anytime then yeah – you need a financial makeover.<br />
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2. You spend more than 40% of your total income on rent. The last time I calculated this we were spending 37% of our total (net) income on mortgages. And I’ll admit it’s not very savvy. But I’ll also point out that we got ourselves into this BEFORE Mr. J. Money came about ;) So I agree with this one here – ya gotta keep your rent/mortgages way below that 40% line.<br />
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3. You’re constantly transferring your balance to get 0% interest on your credit card debt. Bad if you don’t know what you’re doing, but good if you’re Jonathan from My Money Blog (the expert in xfering $20,000+ and milking the extra hundreds of dollars in interest every year;)<br />
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4. You pay off one credit card with another. Yes, BAD!!<br />
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5. Less than 10% of your income goes to your retirement savings. (Or worse, zero percent!) I wouldn’t say you need a total makeover if you were saving 10% really, even though everyone would love to see you saving 15% or even 25%, but definitely saving 0% is a troubling sign.<br />
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6. You have a credit card that doesn’t give you anything in return, like cash back or airline miles. Haha…well this isn’t the worst thing in the world, but it is a good idea to check and makes sure you’re getting *something* in return for doing nothing ;) You don’t have to do anything different than you’re doing now!<br />
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7. You don’t know what IRA means outside of Ireland. (is that supposed to be a joke?)<br />
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8. You pay the minimum balance on your credit card each month.Not the best habit to get into, that’s for sure. If at all possible you should be adding in at least $25-$50 more every month to help knock it away as fast as you can. I once paid $2,000 for a $1,200 computer back in the day because I kept just telling myself “I’ll do it tomorrow.” Make tomorrow, today!<br />
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9. You don’t open your credit card statement because you can’t bear to see how high the balance is. Oh yeah, definitely not a good sign. You HAVE TO KNOW what you’re dealing with so that you can fix it and get right back on track! And this goes for savings and investments too. If you don’t KNOW what’s going on you’ll just keep sinking and sinking until it takes something tragic to snap you out of it.<br />
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10. You don’t keep receipts because they remind you of what you’ve spent. Haha…that’s actually pretty clever ;) STUPID, but clever. Maybe these people should switch to debit cards instead? (I’m assuming they’re using credit cards which allow them to spend way more than they have due to credit limits and such. With debit cards though, you have a breaking point! Once you hit $0.00 you can’t pick up anything else.)<br />
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11. You know your company has a 401k plan, but you have no idea what that is. My favorite tool ever! Just call up HR real quick (right now, actually, stop reading this!!) and ask how much your company matches. Then, tell your sweet old HR lady (or man) that you’d like to contribute that exact same # and make sure to fill out whatever forms you need to do ASAP. Even if you never look at it again, that one move you just made will hook you up years and years to come. So do it!<br />
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12. You withdraw cash frequently from ATM’s that aren’t affiliated with your bank. I don’t know if this one applies as much as maybe it used to. Many banks now reimburse you for your fees so it doesn’t matter where you go (at least online banks do – like my fave USAA, baby!)<br />
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13. The number of credit cards in your wallet is higher than the number of dates you’ve had this year. Hahahhahaa…..didn’t see that one coming :)<br />
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14. You buy so much on eBay that they’ve awarded you VIP status. Wha wha wha….<br />
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15. You want to start a savings account, but then sale season starts again! Is it me or are these going down hill?<br />
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16. You don’t have an emergency fund to pay bills should you lose your job. Back in action! YES, emergency funds are KEY to any financial game plan. Whether it’s $100, or $1,000, be sure to be stashing some aside for when you least expect it!<br />
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17. Your monthly extra cell phone minute charges are bigger than your monthly electric bill. (I had to go look up my own electric bill to see if this is a good gauge or not, and indeed I think it may. Although if we’re talking about overall cell phone bills and not just “minute charges” then the iPhone kills us!)<br />
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18. You overdraw on your checking account more than once a year. Hmmm… once is kinda strict. I’d say not more than 3 times a year cuz sometimes weird things just happen. Although if you were really on top of it you’d sign up for overdraft protection (the kinds that don’t cost you any money!) so that you’d be safe just in case you got a little crazy here and there.<br />
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19. You live paycheck to paycheck. This should be the #1 sign you need a makeover, hands down. Living paycheck to paycheck is a recipe for disaster, and I know 80% of you reading this right now are in this boat :( I was too!!! For 25 years of my life! If you haven’t been serious about making a change, please start today. There are plenty of ways you can get yourself in better position, you just have to get on it and really commit. Start tracking your money and finding where all your spending leaks are! Picking up a hustle on the side will help too.<br />
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20. You spend more on new shoes annually than you save. Oh wow, that would not be good. I think I’ve spent around $200 so far on shoes this year – and 2 of those were on new cleats that needed replacing. I would punch myself in the face if I was saving less than that every year :(<br />
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Were any of you surprised with your answers to some of these? Did it get you to double check and see if you’re truly on track or not? Again, some of these were pretty crazy and more entertaining than anything, but hopefully it moved a few marbles upstairs and will prompt you to start researching any areas that may need improvement. It’s always a work in progress :)
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<a href="http://www.budgetsaresexy.com/2010/08/20-signs-you-need-a-financial-makeover/" target="_blank">Source</a>Shannon Barnum & Jim Christlhttp://www.blogger.com/profile/08851081216437568234noreply@blogger.com1tag:blogger.com,1999:blog-6407941842227147976.post-6002077461179736582013-03-29T00:20:00.000-05:002013-03-29T00:20:01.422-05:00Take Charge When Buying a Home<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjM_f1SD3F4t9dOCdHEJJbgJL8PbkFGhRrq0Yhr9y0j_GJiHu-YMdzeuTFCspoqeAby9w82TAUZGsy1FHhS7rSFgk2LZ6noV42Dq1EI984NFVcwHaL9YFlFxFbhx2_AC0leBdgI9C39-04E/s1600/take-charge-when-buying-home-fargo-nd-homebuyers.jpg" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjM_f1SD3F4t9dOCdHEJJbgJL8PbkFGhRrq0Yhr9y0j_GJiHu-YMdzeuTFCspoqeAby9w82TAUZGsy1FHhS7rSFgk2LZ6noV42Dq1EI984NFVcwHaL9YFlFxFbhx2_AC0leBdgI9C39-04E/s320/take-charge-when-buying-home-fargo-nd-homebuyers.jpg" /></a>If
you approach the home buying process intelligently and with confidence,
you are much more likely to emerge with a house you'll be proud to call
home.<br />
<br />
Approaching the task of buying your next home can be overwhelming. There's so much to consider.<br />
<br />
How
much house can I afford, and how can I find the best loan? Where will I
come up with a down payment, and how much will I need? Should I buy a
new or resale home, and which will go up in value? Should I use an agent
or look at homes on my own?<br />
<br />
And these questions are
just the beginning. Buying a home is one of the largest financial
transactions in your lifetime, yet we don't teach about it in school.
You're just supposed to pick it up along the way.<br />
<br />
Well,
as you start down this road, let me give you a little advice. Here are
the two most important things to remember no matter where you are on the
road to ownership:<br />
<br />
1. You can and should understand
everything that is happening in the home buying process. There is
nothing, and I mean nothing, that is so complex that it can't be easily
explained to anyone with average intelligence, and you've got more than
that. Just because we don't apply for a thirty year mortgage once a week
doesn't mean we have to take the first one that comes along. You'll
need to learn some new terms, apply some new concepts and take the time
to understand what you're getting into. If anything happens at any point
in the process that doesn't make sense to you, simply demand a full and
complete explanation. If it still doesn't make sense, seek help from
someone you trust like your CPA, your banker or maybe your friendly
online real estate columnist. <br />
<br />
2. In the world of real
estate sales, YOU are the most important person in the entire process.
It's easy to think that everyone else carries more weight than you. The
agent talks fast and has an answer for everything. The lender may
decline your loan application, and on and on. But the truth is that you,
the buyer, are the one person in this transaction that makes it all
happen. If you decide to not buy, the entire process comes to a grinding
halt. So flex your consumer muscle and take command of this process.
Surround yourself with a team of professionals that you have confidence
in and make them work for you.<br />
<br />
If you plan from the
beginning to approach the home buying process intelligently and with
confidence, you are much more likely to emerge at the end of the day
with a house you'll be proud to call home, and the knowledge that you
made the right decision.<br />
<br />
<a href="http://www.realtor.com/Basics/Buy/Looking/TakeCharge.asp?source=web" target="_blank">Source</a>: Shannon Barnum & Jim Christlhttp://www.blogger.com/profile/08851081216437568234noreply@blogger.com0tag:blogger.com,1999:blog-6407941842227147976.post-24977566705118684852013-03-28T11:35:00.000-05:002013-03-28T11:35:01.212-05:00Home Prices Rise at Fastest Pace in Over Six Years<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEioD-Tzwu39nKLcjdG4QOb3xUFkt77bfXFmNofytbrip37qR-l-bPmZihO7RzJnZhZS8jR3BWgbPgOs8wRWRzlyV4d9RHPQ2UyI4Is_MPMOKbzDeOW6iuXXuYkcpOqM1fhNFCdppsWfnYRJ/s1600/home-prices-rise-fargo-nd-moorhead-mn-modern-market-realtors.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEioD-Tzwu39nKLcjdG4QOb3xUFkt77bfXFmNofytbrip37qR-l-bPmZihO7RzJnZhZS8jR3BWgbPgOs8wRWRzlyV4d9RHPQ2UyI4Is_MPMOKbzDeOW6iuXXuYkcpOqM1fhNFCdppsWfnYRJ/s1600/home-prices-rise-fargo-nd-moorhead-mn-modern-market-realtors.jpg" height="257" width="320" /></a></div>
Home-price appreciation is accelerating in much of the U.S., offering the latest confirmation that the housing market is turning after the most severe property downturn since the Great Depression.<br />
<br />
Prices rose by 8.1% in January from a year earlier, the largest such gain in 6½ years, according to figures from the S&P/Case-Shiller index of home prices in 20 major metropolitan cities released Tuesday. All 20 cities posted annual increases.
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<a name='more'></a><br />
Prices also defied their usual winter slowdown and rose 0.1% in January from December, a period when prices often fall because sales activity is slow. After adjusting for seasonal factors, prices gained 1% from December.<br />
<br />
Housing demand is revving up at a time when the number of homes for sale has fallen to the lowest level in decades. Low mortgage rates also are helping homeowners who can qualify for a mortgage take on more debt without a big increase in their monthly payment.<br />
<br />
Supply shortages have developed in a growing number of markets where many homeowners are either unwilling or unable to sell because they have experienced sharp price declines. And home builders, long sidelined by competition from bank-owned foreclosures, have added little new construction. Inventory also has been whittled down as investors convert homes into rental properties.
When the year began, many economists and analysts expected prices to rise at a slower pace than in 2012. But the conditions that produced last year's run-up—low inventories, a growing economy, strong investor demand and low mortgage rates—are "stronger than last year, and last year was strong," according to Mike Simonsen, chief executive of Altos Research, a real-estate analytics firm based in Mountain View, Calif.<br />
<br />
Economists at Morgan Stanley MS +0.07% now expect prices to gain 6%-8% this year, up from an earlier forecast of 4%-6%. Lawrence Yun, chief economist at the National Association of Realtors, raised his forecast to 7% from 4% because he expects inventory shortages will persist.
Mr. Simonsen said those predictions could be too low and is expecting a 10% gain. The market is "crazy hot right now," he said .<br />
<br />
Prices began rising a year ago amid strong investor appetite for foreclosed properties and other "distressed" sales. But in recent months, data have shown prices rising for homes that aren't distressed. "That suggests a more sustainable turn, and it suggests more momentum heading into 2013," said Michelle Meyer, an economist at Bank of America Merrill Lynch. She's now calling for 8% price gains this year, up from a prior estimate of 4.7%.<br />
<br />
Consumers' expectations of future home-price gains have also picked up. Some 48% of respondents to a Fannie Mae FNMA -14.19% survey last month said they expected prices would rise over the next 12 months, while only 10% expected prices to decline—the highest margin since the survey began three years ago.<br />
<br />
Another year of strong home prices could have powerful knock-on effects for housing markets digging out of a painful collapse. Another 10% gain in home prices would free around 4 million homeowners from being underwater on their mortgages, when they owe more than their homes are worth.<br />
<br />
Many of the markets with the biggest gains have been those that have had strong demand from investors. Phoenix has witnessed the largest home-price gains over the year, at 23.2%. There, around 26% of home sales in December were to investors that bought more than five homes, up from 16% a year earlier, according to a CoreLogic, CLGX +0.04% a real-estate data firm.
In Las Vegas, where prices rose 15.3% in January, multi-property investors accounted for 22% of sales, while Atlanta, where prices gained 13.4%, saw 24% of homes sell to multi-property investors in December.<br />
<br />
For now, economists see few signs of a bubble because credit standards remain conservative. Even in markets that have seen large gains, prices are still in line with their long-run relationship with rents and incomes. A bigger concern is that price gains and rising rents are outpacing income growth, leaving some families "squeezed on housing costs," says Mr. Yun, of the National Association of Realtors. "It's an unhealthy development for prices to rise this fast compared to people's income growth."<br />
<br />
Economists see two main risks to their forecasts: a big rise in mortgage rates, or slumps in job growth or consumer confidence.<br />
<br />
Source: <a href="http://online.wsj.com/article/SB10001424127887324789504578384212406731752.html" target="_blank">Wall Street Journal </a>Shannon Barnum & Jim Christlhttp://www.blogger.com/profile/08851081216437568234noreply@blogger.com0tag:blogger.com,1999:blog-6407941842227147976.post-25695709749377007542013-03-26T12:17:00.000-05:002013-03-26T12:17:46.120-05:00Buying A Home Plan for Younger People – Make Sure to Plan Ahead<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgSKWT90D6ErgcD98Ax-ZjLtR9VtuRLvCjPQ1rw16IDQ5XpfQlMKw0MhKHBv8rDFybVfpnoMePKUVm5SKEeDY2MziyawNGIIkQCIp4zQB68Cm4kE7_N0SMWN_lLDfUbNRrvdiCao_oRmqCF/s1600/plan-ahead-when-buying-home-fargo-nd.jpg" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgSKWT90D6ErgcD98Ax-ZjLtR9VtuRLvCjPQ1rw16IDQ5XpfQlMKw0MhKHBv8rDFybVfpnoMePKUVm5SKEeDY2MziyawNGIIkQCIp4zQB68Cm4kE7_N0SMWN_lLDfUbNRrvdiCao_oRmqCF/s320/plan-ahead-when-buying-home-fargo-nd.jpg" /></a>Granted,
few young people spend much time day-dreaming about buying their first
home. They're naturally preoccupied with academics, athletics, parties,
dating and future career possibilities. Nonetheless, there are a number
of good reasons to start learning early in life about the costs of
buying a home and the responsibilities of homeownership. For example, a
college student's misuse or abuse of credit cards can preclude his or
her buying a home later on.<br />
<br />
Here are five recommendations for young people who want to position themselves for homeownership:<br />
<br />
1.
Establish good credit habits and a favorable credit history. Get a
credit card and use it responsibly. Apply for an automobile loan and
make your payments on time every month. If you're renting an apartment,
put your own name on the lease and the utility bills and make sure the
rent and the bills are paid every month. If you're already struggling
with credit card debt or have large student loans, take a free workshop
from the non-profit Consumer Credit Counseling Service. Call (800)
388-2227 for information.<br />
<br />
2. Start saving for a down
payment and closing costs. It's possible to purchase a first home in
many parts of the country without much in the way of savings. But in
high-cost housing areas, starting to save early can be enormously
beneficial because you'll get the advantage of compounding interest and
have a longer period of time to grow your investments. Open a savings
account or a stock brokerage investment account and make regular
deposits.<br />
<br />
3. Read some books. Your local library and
bookstore probably have at least a few shelves of books about financial
management and buying a home. Take notes. Make a financial plan for
yourself. <br />
<br />
4. Research where you'd like to live. Many
young people assume they'll continue living in their own home town when
they get older, but people are more mobile than ever and chances are
good you'll one day live in another city or even another state. Again,
the library, bookstore and Web can be excellent resources for
information about housing costs and homeownership opportunities around
the country.<br />
<br />
5. Tap your real estate agent relatives
for advice. Parents, grandparents, aunts, uncles or older cousins in the
real estate business can give you good information about the cost of
housing in the area where you want to live and what it takes to buy a
home. Questions to ask: Is housing affordable in this area? How much
money would I need to save in order to buy a home? What advice would you
give me about planning my financial future? Would you recommend some
books that I might like to read about buying a home? Don't be shy. If
you have a question, ask someone in a position to know the answer.<br />
<br />
<a href="http://www.realtor.com/Basics/Buy/Ready/Plan.asp?source=web" target="_blank">Source</a>: <br />
<br />Shannon Barnum & Jim Christlhttp://www.blogger.com/profile/08851081216437568234noreply@blogger.com0