Find one of the few teams that actually knows how to negotiate a short sale. Most advice on the internet is incorrect. You should have received an offer within 45 days. Remember, Many people who fall into foreclosure do not realize that after they lose their home, the bank will put a judgment on them for the difference. Even if you are not sure if you need to short sale, you should contact me for a consultation. Even if you are under contract with another agent to sell your home, we can negotiate a short sale with the bank for a small fee. If we list your home, there is not cost to you.   « less

They were not from the last I heard.

Their are many people that will do a rent to own. They may not require a large down payment if you can prove a stable history. We can help you find a rent to own home but you need to be under a buyer representation contract with us. You can also search yourself on the various internet sites available to consumers.   « less

Yes, some lenders will only work with you if you are paying your payments. Some lenders send clients with late payments to a different processing center. There are also some lenders that may require that you have missed a payment. Most advice on the internet is incorrect. Many people who fall into foreclosure do not realize that after they lose their home, the bank will put a judgment on them for the difference. Even if you are not sure if you need to short sale, you should contact me for a consultation.    « less

You need to call and talk to one of our experts at 952-942-4759. They will go over your situation, look at your financial situation, look at the lenders that you owe. Then depending on the lenders and your situation they will be able to tell you if you if you have a 50%, 75%, 90%. If you can't pay and don't want a foreclosure, a short sale is most likely your best option. There is no cost to you to have us negotiate a short sale.   « less

Basically, a reverse mortgage is when your home makes payments to you. If you meet certain age guidelines and you have equity in your home your can take out a reverse mortgage. Each month you will get a check that takes a little of the equity out of your home. If you were taking $1000 dollars a month, at the end of the year you would have a 12,000 dollar mortgage plus interest. At the end of two years, you would have a 24,000 dollar mortgage plus interest. You can only pull a certain amount of equity out of the home. If you have more questions, call Aaron Daeges at GreatMnLoans and he can give you more details. 952-913-7283   « less

I don't know your address but I would guess that the city needs tax revenue so they are going to increase taxes unless you call and appeal.

Sue, there are different agents that do different things. If you are looking for someone to sell your White Bear Lake home, that might be a different person then if you wanted to buy a Hugo home. Tell me exactly what you are looking for and I will give you some ideas. If you would like to get the value of your home, go to www.GetHomeValues.com and enter your homes info online and it will get you a value. If you are looking to buy a home, you can go to www.JoeNiece.com and see every home on the market in Minnesota and Western Wi. I look forward to hearing from you. Joe Niece 612-508-4100   « less

At this point, it looks like it will cause Minnesota home and real estate to lose value. I would not have voted for this bill had I been in congress but I understand the logic behind it. It would have been better to phase it out once the market was stable. We actually have several other programs that will take the place for some people. If you need down payment assistance in Minnesota and are still thinking of buying a home, please call or e-mail me and I will point you in the correct direction. Please tell me in your note where you are looking to buy, what type of home and what price range. This will help me direct you to the correct place. Joe Niece 612-508-4100   « less

Not only could you do it that way but your could live together in one for two year, then together in the other for two years and meet the two of five year requirement. I would suggest your agent or schedule a time to talk with me directly to make sure that everything goes smoothly. Always talk to someone directly when you are talking about legal and tax implications. Joe Niece 612-508-4100   « less