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	<title>Minnesota First Time Home Buyers &#187; Buyer Incentives</title>
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	<link>http://www.minnesotafirsthome.com</link>
	<description>Everything you need to know, when buying your first home</description>
	<lastBuildDate>Fri, 03 Feb 2012 21:43:10 +0000</lastBuildDate>
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<title>Minnesota First Time Home Buyers</title>
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		<title>First Time Buyer Class &#8211; Thursday, February 9th, 2012</title>
		<link>http://www.minnesotafirsthome.com/upcoming-event/first-time-buyer-class-thursday-february-9th-2012/</link>
		<comments>http://www.minnesotafirsthome.com/upcoming-event/first-time-buyer-class-thursday-february-9th-2012/#comments</comments>
		<pubDate>Fri, 20 Jan 2012 22:05:00 +0000</pubDate>
		<dc:creator>Steve Howe</dc:creator>
				<category><![CDATA[Buyer Financial Info]]></category>
		<category><![CDATA[Buyer Incentives]]></category>
		<category><![CDATA[Buyers]]></category>
		<category><![CDATA[Home Buying How To's]]></category>
		<category><![CDATA[Upcoming Event]]></category>
		<category><![CDATA[Buyer Tips]]></category>
		<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[First Time Buyer Class]]></category>
		<category><![CDATA[First Time Buyers]]></category>
		<category><![CDATA[First Time Home Buyers]]></category>
		<category><![CDATA[Home Ownership]]></category>
		<category><![CDATA[MN First Time Home Buyers]]></category>

		<guid isPermaLink="false">http://www.minnesotafirsthome.com/?p=3139</guid>
		<description><![CDATA[[ February 9, 2012; 6:30 pm to 8:00 pm. ] 




*REGISTER HERE*
Are you thinking about buying your first home? Well, the first step towards home-ownership is getting educated about the process and finding a Team of Professionals you can trust and feel comfortable with.



That's where we come in.  Join us for a very informative FREE 90 minute home-buying seminar where you will learn everything you need [...]]]></description>
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<div>
<h3><a title="Seminar Registration" href="http://www.minnesotafirsthome.com/contact/seminar-registration/" target="_self">*REGISTER HERE*</a></h3>
<p>Are you thinking about buying your first home? Well, the first step towards home-ownership is getting educated about the process and finding a <strong>Team of Professionals</strong> you can trust and feel comfortable with.<br />
<br />
<iframe width="560" height="315" src="http://www.youtube.com/embed/AvzYR-YDiLM" frameborder="0" allowfullscreen></iframe></p>
<p><span style="text-decoration: underline;">That&#8217;s where we come in</span>.  Join us for a very informative FREE 90 minute home-buying seminar where you will learn everything you need to know about buying your first house.  We&#8217;ll show you the importance of getting Pre-Approved for a Mortgage, how to Search for Properties on the Internet, and how to become an Expert Negotiator in the home-purchasing process.</p>
<p>Rest assured, this is not a &#8220;Sell-a-thon&#8221; like some other seminars on home-buying.  <strong>It&#8217;s totally free</strong>, we have no products to sell you, and there are no contracts to sign.  We&#8217;re all about educating buyers in order to help you with the biggest financial decision of your life.  If you&#8217;re a fan of a low-pressure and laid-back atmosphere, you&#8217;ll feel right at home!</p>
<p>Our two experts - <a title="Get in touch with me" href="http://www.minnesotafirsthome.com/contact/" target="_self">Steve Howe</a> and <a title="Know Your Loan - Get your Home!" href="http://www.knowyourhomeloan.com/">Carrie Guarrero</a> &#8211; have teamed up to give you the full spectrum of buying your first home in the Buyer&#8217;s Market today right here in MN.  <span style="text-decoration: underline;">Learn how getting the right loan can save you Thousands of dollars a year</span>.</p>
<p>Some of the topics we will cover include:</p>
<ul>
<li><a title="See what's on your credit" href="http://www.minnesotafirsthome.com/general-information/credit-score-ratings/" target="_self">Credit Score Ratings</a></li>
<li><a title="Not Up" href="http://www.minnesotafirsthome.com/buyers/down-payment-amounts/" target="_self">Down Payments</a> and <a title="Get the info on the Loan" href="http://www.minnesotafirsthome.com/buyers/10-questions-to-ask-your-loan-officer/" target="_self">Loan Qualification</a></li>
<li><a title="The Fed" href="http://www.minnesotafirsthome.com/buyers/word-of-the-week-fha-loan/" target="_self">Special Mortgage Programs for First Time Buyers</a></li>
<li><a title="Bidding Wars" href="http://www.minnesotafirsthome.com/buyers/multiple-offers/" target="_self">Writing and Negotiating Offers</a></li>
<li><a title="Closing Statement" href="http://www.minnesotafirsthome.com/buyers/word-of-the-week-hud/" target="_self">Closing Process</a></li>
<li>and Much More</li>
</ul>
<p>If you are thinking about buying a home in the next 1 to 2 years we would love to answer your questions and help you make a solid home purchase, without paying too much.  Any potential <strong>First Time Home-buyers</strong> in the Minneapolis and St. Paul area of MN should come on down to one of our monthly seminars.</p>
<p><span style="text-decoration: underline;"><strong>Here&#8217;s the info:</strong></span></p>
<ul>
<li><strong>What - First Time Home Buyer Class</strong></li>
<li><strong>Where - Cornerstone Mortgage; 436 Gateway Blvd, Burnsville, MN</strong></li>
<li><strong>When - Thursday, February 9th, 6:30-8:00pm</strong></li>
</ul>
<p>Upcoming Dates for 2012: February 9, March 15, April 19, May 24, June 21, July 19, August 16, September 27, October 18, November 15, December 20</p>
<p><strong>Space is limited so please </strong><a title="Seminar Registration" href="http://www.minnesotafirsthome.com/contact/seminar-registration/" target="_self"><strong>REGISTER HERE</strong></a><strong>.</strong></p>
<p><span style="text-decoration: underline;">IMPORTANT: All attendees will receive a free copy of their CREDIT REPORT and CREDIT SCORE courtesy of Cornerstone mortgage.  You must attend the class to receive your report.</span></p>
<p><strong>***It should also be noted that this is NOT the Home Stretch course needed to qualify for some of the local first time buyer programs and grants.  Our suggestion is that you get educated about the process first, then get pre-approved and figure out if you will, in fact, be eligible to receive some sort of assistance that would require you to go to the Home Stretch Class.  That class is 8 hours long and there is a fee to attend.***</strong></p>
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<h3  class="related_post_title">Related Posts</h3><ul class="related_post"><li><a href="http://www.minnesotafirsthome.com/upcoming-event/first-time-home-buyer-class-thursday-january-19th-2012/" title="First Time Home Buyer Class &#8211; Thursday, January 19th, 2012">First Time Home Buyer Class &#8211; Thursday, January 19th, 2012</a></li><li><a href="http://www.minnesotafirsthome.com/upcoming-event/first-time-homebuyer-seminar-thursday-september-22nd-2011/" title="First Time Homebuyer Seminar &#8211; Thursday September 22nd, 2011">First Time Homebuyer Seminar &#8211; Thursday September 22nd, 2011</a></li><li><a href="http://www.minnesotafirsthome.com/upcoming-event/first-time-homebuyer-class-march-17th-2011/" title="First Time Homebuyer Class &#8211; March 17th, 2011">First Time Homebuyer Class &#8211; March 17th, 2011</a></li><li><a href="http://www.minnesotafirsthome.com/upcoming-event/first-time-homebuyer-class-december-16th-2010/" title="First Time Homebuyer Class &#8211; December 16th, 2010">First Time Homebuyer Class &#8211; December 16th, 2010</a></li><li><a href="http://www.minnesotafirsthome.com/upcoming-event/first-time-home-buyers-class-october-28-2010/" title="First Time Home Buyers Class &#8211; October 28, 2010">First Time Home Buyers Class &#8211; October 28, 2010</a></li><li><a href="http://www.minnesotafirsthome.com/general-information/2012-new-year-housing-market-numbers/" title="2012 New Year Housing Market Numbers">2012 New Year Housing Market Numbers</a></li><li><a href="http://www.minnesotafirsthome.com/buyers/success-story-robbie-and-stephanie/" title="Success Story: Robbie and Stephanie">Success Story: Robbie and Stephanie</a></li><li><a href="http://www.minnesotafirsthome.com/upcoming-event/first-time-homebuyer-class-thursday-december-15th-2011/" title="First-Time Homebuyer Class &#8211; Thursday, December 15th, 2011">First-Time Homebuyer Class &#8211; Thursday, December 15th, 2011</a></li><li><a href="http://www.minnesotafirsthome.com/upcoming-event/first-time-homebuyer-class-thursday-november-17th-2011/" title="First Time Homebuyer Class &#8211; Thursday, November 17th, 2011">First Time Homebuyer Class &#8211; Thursday, November 17th, 2011</a></li><li><a href="http://www.minnesotafirsthome.com/buyers/success-story-andrea/" title="Success Story: Andrea">Success Story: Andrea</a></li></ul>]]></content:encoded>
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		<item>
		<title>2012 New Year Housing Market Numbers</title>
		<link>http://www.minnesotafirsthome.com/general-information/2012-new-year-housing-market-numbers/</link>
		<comments>http://www.minnesotafirsthome.com/general-information/2012-new-year-housing-market-numbers/#comments</comments>
		<pubDate>Wed, 11 Jan 2012 18:39:31 +0000</pubDate>
		<dc:creator>Steve Howe</dc:creator>
				<category><![CDATA[Buyer Financial Info]]></category>
		<category><![CDATA[Buyer Incentives]]></category>
		<category><![CDATA[Buyers]]></category>
		<category><![CDATA[General Information]]></category>
		<category><![CDATA[Buyer Tips]]></category>
		<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[First Time Buyers]]></category>
		<category><![CDATA[First Time Home Buyers]]></category>
		<category><![CDATA[Home Ownership]]></category>
		<category><![CDATA[Market Activity]]></category>
		<category><![CDATA[MN First Time Home Buyers]]></category>
		<category><![CDATA[Real Estate Market]]></category>
		<category><![CDATA[Twin Cities Housing Market]]></category>

		<guid isPermaLink="false">http://www.minnesotafirsthome.com/?p=3128</guid>
		<description><![CDATA[The Twin Cities Housing Market has had a busy fall and winter so far.  Here is some information on where the market is right now, and what it means for you as a buyer or seller.
Enjoy!



[contact-form-7]
Related PostsRenting vs. Buying &#8211; You Be The Judge!Twin Cities Housing Market Update &#8211; September 2010If You Wait To Buy, [...]]]></description>
			<content:encoded><![CDATA[<p>The Twin Cities Housing Market has had a busy fall and winter so far.  Here is some information on where the market is right now, and what it means for you as a buyer or seller.</p>
<p>Enjoy!<br />
<br />
<iframe width="420" height="315" src="http://www.youtube.com/embed/pn3qhslpXa8" frameborder="0" allowfullscreen></iframe><br />
<br />
[contact-form-7]</p>
<h3  class="related_post_title">Related Posts</h3><ul class="related_post"><li><a href="http://www.minnesotafirsthome.com/general-information/renting-vs-buying-you-be-the-judge/" title="Renting vs. Buying &#8211; You Be The Judge!">Renting vs. Buying &#8211; You Be The Judge!</a></li><li><a href="http://www.minnesotafirsthome.com/general-information/twin-cities-housing-market-update-september-2010/" title="Twin Cities Housing Market Update &#8211; September 2010">Twin Cities Housing Market Update &#8211; September 2010</a></li><li><a href="http://www.minnesotafirsthome.com/buyers/if-you-wait-to-buy-youre-going-to-lose-money/" title="If You Wait To Buy, You&#8217;re Going To Lose Money">If You Wait To Buy, You&#8217;re Going To Lose Money</a></li><li><a href="http://www.minnesotafirsthome.com/general-information/january-2012-mn-housing-market-info/" title="January 2012 MN Housing Market Info">January 2012 MN Housing Market Info</a></li><li><a href="http://www.minnesotafirsthome.com/general-information/twin-cities-housing-market-august-2011/" title="Twin Cities Housing Market, August 2011">Twin Cities Housing Market, August 2011</a></li><li><a href="http://www.minnesotafirsthome.com/general-information/can-you-see-your-shadow/" title="Can You See Your Shadow?">Can You See Your Shadow?</a></li><li><a href="http://www.minnesotafirsthome.com/upcoming-event/first-time-homebuyer-class-march-17th-2011/" title="First Time Homebuyer Class &#8211; March 17th, 2011">First Time Homebuyer Class &#8211; March 17th, 2011</a></li><li><a href="http://www.minnesotafirsthome.com/general-information/2011-housing-market-predictions/" title="2011 Housing Market Predictions">2011 Housing Market Predictions</a></li><li><a href="http://www.minnesotafirsthome.com/general-information/housing-numbers-and-graphs/" title="Housing Numbers And Graphs">Housing Numbers And Graphs</a></li><li><a href="http://www.minnesotafirsthome.com/general-information/twin-cities-housing-market-update-december-2010/" title="Twin Cities Housing Market Update &#8211; December 2010">Twin Cities Housing Market Update &#8211; December 2010</a></li></ul>]]></content:encoded>
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		<slash:comments>0</slash:comments>
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		<title>First Time Homebuyer Class &#8211; Thursday, November 17th, 2011</title>
		<link>http://www.minnesotafirsthome.com/upcoming-event/first-time-homebuyer-class-thursday-november-17th-2011/</link>
		<comments>http://www.minnesotafirsthome.com/upcoming-event/first-time-homebuyer-class-thursday-november-17th-2011/#comments</comments>
		<pubDate>Fri, 11 Nov 2011 16:07:28 +0000</pubDate>
		<dc:creator>Steve Howe</dc:creator>
				<category><![CDATA[Buyer Incentives]]></category>
		<category><![CDATA[Buyers]]></category>
		<category><![CDATA[Home Buying How To's]]></category>
		<category><![CDATA[Upcoming Event]]></category>
		<category><![CDATA[Buyer Tips]]></category>
		<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[First Time Buyer Class]]></category>
		<category><![CDATA[First Time Buyers]]></category>
		<category><![CDATA[First Time Home Buyers]]></category>
		<category><![CDATA[Home Buying Process]]></category>
		<category><![CDATA[MN First Time Home Buyers]]></category>

		<guid isPermaLink="false">http://www.minnesotafirsthome.com/?p=2938</guid>
		<description><![CDATA[[ November 17, 2011; 6:30 pm to 8:00 pm. ] 




*REGISTER HERE*
Are you thinking about buying your first home? Well, the first step towards home-ownership is getting educated about the process and finding a Team of Professionals you can trust and feel comfortable with.



That's where we come in.  Join us for a very informative FREE 90 minute home-buying seminar where you will learn everything you need [...]]]></description>
			<content:encoded><![CDATA[<div>
<div>
<div>
<div>
<div>
<h3><a title="Seminar Registration" href="http://www.minnesotafirsthome.com/contact/seminar-registration/" target="_self">*REGISTER HERE*</a></h3>
<p>Are you thinking about buying your first home? Well, the first step towards home-ownership is getting educated about the process and finding a <strong>Team of Professionals</strong> you can trust and feel comfortable with.<br />
<br />
<iframe width="560" height="315" src="http://www.youtube.com/embed/AvzYR-YDiLM" frameborder="0" allowfullscreen></iframe></p>
<p><span style="text-decoration: underline;">That&#8217;s where we come in</span>.  Join us for a very informative FREE 90 minute home-buying seminar where you will learn everything you need to know about buying your first house.  We&#8217;ll show you the importance of getting Pre-Approved for a Mortgage, how to Search for Properties on the Internet, and how to become an Expert Negotiator in the home-purchasing process.</p>
<p>Rest assured, this is not a &#8220;Sell-a-thon&#8221; like some other seminars on home-buying.  <strong>It&#8217;s totally free</strong>, we have no products to sell you, and there are no contracts to sign.  We&#8217;re all about educating buyers in order to help you with the biggest financial decision of your life.  If you&#8217;re a fan of a low-pressure and laid-back atmosphere, you&#8217;ll feel right at home.</p>
<p>Our two experts - <a title="Get in touch with me" href="http://www.minnesotafirsthome.com/contact/" target="_self">Steve Howe</a> and <a title="Know Your Loan - Get your Home!" href="http://www.knowyourhomeloan.com/">Carrie Guarrero</a> &#8211; have teamed up to give you the full spectrum of buying your first home in the Buyer&#8217;s Market today right here in MN.  <span style="text-decoration: underline;">Learn how getting the right loan can save you Thousands of dollars a year</span>.</p>
<p>Some of the topics we will cover include:</p>
<ul>
<li><a title="See what's on your credit" href="http://www.minnesotafirsthome.com/general-information/credit-score-ratings/" target="_self">Credit Score Ratings</a></li>
<li><a title="Not Up" href="http://www.minnesotafirsthome.com/buyers/down-payment-amounts/" target="_self">Down Payments</a> and <a title="Get the info on the Loan" href="http://www.minnesotafirsthome.com/buyers/10-questions-to-ask-your-loan-officer/" target="_self">Loan Qualification</a></li>
<li><a title="The Fed" href="http://www.minnesotafirsthome.com/buyers/word-of-the-week-fha-loan/" target="_self">Special Mortgage Programs for First Time Buyers</a></li>
<li><a title="Bidding Wars" href="http://www.minnesotafirsthome.com/buyers/multiple-offers/" target="_self">Writing and Negotiating Offers</a></li>
<li><a title="Closing Statement" href="http://www.minnesotafirsthome.com/buyers/word-of-the-week-hud/" target="_self">Closing Process</a></li>
<li>and Much More</li>
</ul>
<p>If you are thinking about buying a home in the next 1 to 2 years we would love to answer your questions and help you make a solid home purchase, without paying too much.  Any potential <strong>First Time Home-buyers</strong> in the Minneapolis and St. Paul area of MN should come on down to one of our monthly seminars.</p>
<p><span style="text-decoration: underline;"><strong>Here&#8217;s the info:</strong></span></p>
<ul>
<li><strong>What - First Time Home Buyer Class</strong></li>
<li><strong>Where - Cornerstone Mortgage; 436 Gateway Blvd, Burnsville, MN</strong></li>
<li><strong>When - Thursday, November 17th, 6:30-8:00pm</strong></li>
</ul>
<p>Upcoming Dates for 2011: November 17, December 15</p>
<p><strong>Space is limited so please </strong><a title="Seminar Registration" href="http://www.minnesotafirsthome.com/contact/seminar-registration/" target="_self"><strong>REGISTER HERE</strong></a><strong>.</strong></p>
<p><span style="text-decoration: underline;">IMPORTANT: All attendees will receive a free copy of their CREDIT REPORT and CREDIT SCORE courtesy of Cornerstone mortgage.  You must attend the class to receive your report.</span></p>
<p><strong>***It should also be noted that this is NOT the Home Stretch course needed to qualify for some of the local first time buyer programs and grants.  Our suggestion is that you get educated about the process first, then get pre-approved and figure out if you will, in fact, be eligible to receive some sort of assistance that would require you to go to the Home Stretch Class.  That class is 8 hours long and there is a fee to attend.***</strong></p>
[contact-form-7]
</div>
</div>
</div>
</div>
</div>
<h3  class="related_post_title">Related Posts</h3><ul class="related_post"><li><a href="http://www.minnesotafirsthome.com/upcoming-event/first-time-home-buyer-class-thursday-january-19th-2012/" title="First Time Home Buyer Class &#8211; Thursday, January 19th, 2012">First Time Home Buyer Class &#8211; Thursday, January 19th, 2012</a></li><li><a href="http://www.minnesotafirsthome.com/upcoming-event/first-time-homebuyer-class-thursday-october-20th-2011/" title="First Time Homebuyer Class &#8211; Thursday, October 20th 2011">First Time Homebuyer Class &#8211; Thursday, October 20th 2011</a></li><li><a href="http://www.minnesotafirsthome.com/buyers/success-story-bobby-and-joanna/" title="Success Story: Bobby and Joanna">Success Story: Bobby and Joanna</a></li><li><a href="http://www.minnesotafirsthome.com/upcoming-event/first-time-homebuyer-seminar-thursday-september-22nd-2011/" title="First Time Homebuyer Seminar &#8211; Thursday September 22nd, 2011">First Time Homebuyer Seminar &#8211; Thursday September 22nd, 2011</a></li><li><a href="http://www.minnesotafirsthome.com/upcoming-event/first-time-homebuyer-class-thursday-july-21st-2011/" title="First Time Homebuyer Class &#8211; Thursday July 21st, 2011">First Time Homebuyer Class &#8211; Thursday July 21st, 2011</a></li><li><a href="http://www.minnesotafirsthome.com/upcoming-event/first-time-homebuyer-class-thursday-june-16th-2011/" title="First Time Homebuyer Class &#8211; June 16th, 2011">First Time Homebuyer Class &#8211; June 16th, 2011</a></li><li><a href="http://www.minnesotafirsthome.com/upcoming-event/first-time-home-buyer-class-january-20th-2011/" title="First Time Home-Buyer Class, January 20th, 2011">First Time Home-Buyer Class, January 20th, 2011</a></li><li><a href="http://www.minnesotafirsthome.com/upcoming-event/first-time-homebuyer-class-december-16th-2010/" title="First Time Homebuyer Class &#8211; December 16th, 2010">First Time Homebuyer Class &#8211; December 16th, 2010</a></li><li><a href="http://www.minnesotafirsthome.com/upcoming-event/first-time-homebuyer-class-november-18th-2010/" title="First Time Homebuyer Class &#8211; November 18th 2010">First Time Homebuyer Class &#8211; November 18th 2010</a></li><li><a href="http://www.minnesotafirsthome.com/buyers/how-much-house-can-i-afford/" title="How Much House Can I Afford?">How Much House Can I Afford?</a></li></ul>]]></content:encoded>
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		<slash:comments>2</slash:comments>
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		<title>October 2011 Twin Cities Housing Market Update</title>
		<link>http://www.minnesotafirsthome.com/general-information/october-2011-twin-cities-housing-market-update/</link>
		<comments>http://www.minnesotafirsthome.com/general-information/october-2011-twin-cities-housing-market-update/#comments</comments>
		<pubDate>Fri, 28 Oct 2011 20:16:33 +0000</pubDate>
		<dc:creator>Steve Howe</dc:creator>
				<category><![CDATA[Buyer Financial Info]]></category>
		<category><![CDATA[Buyer Incentives]]></category>
		<category><![CDATA[General Information]]></category>
		<category><![CDATA[Sellers]]></category>
		<category><![CDATA[Home Ownership]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Real Estate Market]]></category>
		<category><![CDATA[Twin Cities Housing Market]]></category>

		<guid isPermaLink="false">http://www.minnesotafirsthome.com/?p=2945</guid>
		<description><![CDATA[Want to know what&#8217;s going on in the Housing Market here in MN?  Check out this month&#8217;s video put together by the Minneapolis Area Association of Realtors.
Some of the data for this month includes a lower numbers of homes on the MLS for sale, lower home prices than last year, and also a decrease in [...]]]></description>
			<content:encoded><![CDATA[<p>Want to know what&#8217;s going on in the Housing Market here in MN?  Check out this month&#8217;s video put together by the Minneapolis Area Association of Realtors.</p>
<p>Some of the data for this month includes a lower numbers of homes on the MLS for sale, lower home prices than last year, and also a decrease in the monthly supply of housing inventory.  Kind of a mixed bag of news for buyers and sellers, but overall there seems to be some positive signs that we are leveling off from the &#8220;free-fall&#8221; of 2008, 2009, and 2010.</p>
<p>If you&#8217;re buying your first home, it&#8217;s a good nugget to know that Mortgage Interest Rates are at their lowest point in history.  So by locking in a super-duper low rate right now, you will literally be saving hundreds or thousands of dollars a year in interest.  This coupled with the low home prices still makes the end of 2011 and beginning of 2010 a great time to be a first time home-buyer in MN.</p>
<p>Click &#8220;Play&#8221; below to watch the short video for yourself!<br />
<br />
<iframe width="640" height="360" src="http://www.youtube.com/embed/0hXMzdbV3mY" frameborder="0" allowfullscreen></iframe></p>
[contact-form-7]
<h3  class="related_post_title">Related Posts</h3><ul class="related_post"><li><a href="http://www.minnesotafirsthome.com/general-information/2012-new-year-housing-market-numbers/" title="2012 New Year Housing Market Numbers">2012 New Year Housing Market Numbers</a></li><li><a href="http://www.minnesotafirsthome.com/uncategorized/mn-homestead-tax-credit-gone/" title="MN Homestead Tax Credit &#8211; GONE?!">MN Homestead Tax Credit &#8211; GONE?!</a></li><li><a href="http://www.minnesotafirsthome.com/general-information/renting-vs-buying-you-be-the-judge/" title="Renting vs. Buying &#8211; You Be The Judge!">Renting vs. Buying &#8211; You Be The Judge!</a></li><li><a href="http://www.minnesotafirsthome.com/buyers/if-you-wait-to-buy-youre-going-to-lose-money/" title="If You Wait To Buy, You&#8217;re Going To Lose Money">If You Wait To Buy, You&#8217;re Going To Lose Money</a></li><li><a href="http://www.minnesotafirsthome.com/buyers/are-mn-foreclosures-rising/" title="Are MN Foreclosures Rising?">Are MN Foreclosures Rising?</a></li><li><a href="http://www.minnesotafirsthome.com/general-information/twin-cities-housing-market-update-september-2010/" title="Twin Cities Housing Market Update &#8211; September 2010">Twin Cities Housing Market Update &#8211; September 2010</a></li><li><a href="http://www.minnesotafirsthome.com/general-information/january-2012-mn-housing-market-info/" title="January 2012 MN Housing Market Info">January 2012 MN Housing Market Info</a></li><li><a href="http://www.minnesotafirsthome.com/general-information/december-2011-twin-cities-housing-market-update/" title="December 2011 Twin Cities Housing Market Update">December 2011 Twin Cities Housing Market Update</a></li><li><a href="http://www.minnesotafirsthome.com/general-information/november-2011-twin-cities-housing-market-info/" title="November 2011 Twin Cities Housing Market Info">November 2011 Twin Cities Housing Market Info</a></li><li><a href="http://www.minnesotafirsthome.com/general-information/twin-cities-housing-market-info-september-2011/" title="Twin Cities Housing Market Info &#8211; September 2011">Twin Cities Housing Market Info &#8211; September 2011</a></li></ul>]]></content:encoded>
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		<title>Twin Cities Housing Market Info &#8211; September 2011</title>
		<link>http://www.minnesotafirsthome.com/general-information/twin-cities-housing-market-info-september-2011/</link>
		<comments>http://www.minnesotafirsthome.com/general-information/twin-cities-housing-market-info-september-2011/#comments</comments>
		<pubDate>Wed, 28 Sep 2011 21:59:38 +0000</pubDate>
		<dc:creator>Steve Howe</dc:creator>
				<category><![CDATA[Buyer Financial Info]]></category>
		<category><![CDATA[Buyer Incentives]]></category>
		<category><![CDATA[General Information]]></category>
		<category><![CDATA[Sellers]]></category>
		<category><![CDATA[Buyer Tips]]></category>
		<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Foreclosures]]></category>
		<category><![CDATA[Real Estate Market]]></category>
		<category><![CDATA[Short Sale]]></category>
		<category><![CDATA[Twin Cities Housing Market]]></category>

		<guid isPermaLink="false">http://www.minnesotafirsthome.com/?p=2909</guid>
		<description><![CDATA[We may be getting back to some regular housing market activity here in Minneapolis and St Paul&#8211;at least when it concerns the number of buyers and seller active in the market.
This month&#8217;s &#8220;Skinny&#8221; video, made by the Minneapolis Area Association of Realtors has lots of good info on where the market has been, where it&#8217;s [...]]]></description>
			<content:encoded><![CDATA[<p>We may be getting back to some regular housing market activity here in Minneapolis and St Paul&#8211;at least when it concerns the number of buyers and seller active in the market.</p>
<p>This month&#8217;s &#8220;Skinny&#8221; video, made by the <strong>Minneapolis Area Association of Realtors</strong> has lots of good info on where the market has been, where it&#8217;s at, and maybe where it&#8217;s headed.  Home prices are still falling around 10% per year, which isn&#8217;t good for regular sellers.  But there&#8217;s a couple of hidden numbers in this data that not a lot of people are talking about.</p>
<p>Click play below to watch the video.</p>
<p>
<iframe width="560" height="315" src="http://www.youtube.com/embed/S5yuEUEkX0k" frameborder="0" allowfullscreen></iframe><br />
</p>
<p>The first thing is that retail (or regular) sellers are having better luck getting higher values for their properties.  In other words, the &#8220;retail market&#8221; isn&#8217;t falling in price as much as the &#8220;foreclosure market&#8221; is.</p>
<p>The second thing that NO ONE is talking about is <strong>fix-n-flips.</strong></p>
<p>These are properties that investors are buying, fixing up, and re-selling a few months later to owner-occupied buyers.  In most cases these investors are buying a foreclosure or short sale at a discount, and investing thousands of dollars into the home&#8217;s renovation.  Then, they put the home back on the market and sell it at a higher price all fixed up.</p>
<p>When this happens, there are actually 2 sales that take place.  Let&#8217;s pretend the home was originally bought for $50,000 by the investor, and they invested several thousands in it&#8217;s repair.  Then, it sells 6 months later for $150,000 as a completely renovated home.  Both of these sales factor into market data for <strong>Average</strong> or <strong>Median Sale Price</strong>.  And in this case, they would make an average of $100,000 Sale Price&#8211;which on the surface looks bad.  But in reality what happened was a house was renovated and sold to a new home-owner for $150,000, which should be the only sale that counts towards market data.</p>
<p>Unfortunately there doesn&#8217;t seem to be a way to factor these types of situations into market data.  So the numbers may continue to look bad at face value for a while, but the silver lining is that neighborhoods and communities are getting improved and revitalized when this happens, and in the end, that&#8217;s the most important aspect of the Housing Market.</p>
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<h3  class="related_post_title">Related Posts</h3><ul class="related_post"><li><a href="http://www.minnesotafirsthome.com/general-information/can-you-see-your-shadow/" title="Can You See Your Shadow?">Can You See Your Shadow?</a></li><li><a href="http://www.minnesotafirsthome.com/general-information/finally-some-good-housing-news-in-the-media/" title="Finally&#8211;Some GOOD Housing News in the Media">Finally&#8211;Some GOOD Housing News in the Media</a></li><li><a href="http://www.minnesotafirsthome.com/buyers/if-you-wait-to-buy-youre-going-to-lose-money/" title="If You Wait To Buy, You&#8217;re Going To Lose Money">If You Wait To Buy, You&#8217;re Going To Lose Money</a></li><li><a href="http://www.minnesotafirsthome.com/buyers/are-mn-foreclosures-rising/" title="Are MN Foreclosures Rising?">Are MN Foreclosures Rising?</a></li><li><a href="http://www.minnesotafirsthome.com/general-information/steady-stream-of-foreclosures/" title="Steady Stream of Foreclosures">Steady Stream of Foreclosures</a></li><li><a href="http://www.minnesotafirsthome.com/general-information/january-2012-mn-housing-market-info/" title="January 2012 MN Housing Market Info">January 2012 MN Housing Market Info</a></li><li><a href="http://www.minnesotafirsthome.com/general-information/2012-new-year-housing-market-numbers/" title="2012 New Year Housing Market Numbers">2012 New Year Housing Market Numbers</a></li><li><a href="http://www.minnesotafirsthome.com/buyers/success-story-robbie-and-stephanie/" title="Success Story: Robbie and Stephanie">Success Story: Robbie and Stephanie</a></li><li><a href="http://www.minnesotafirsthome.com/buyers/success-story-andrea/" title="Success Story: Andrea">Success Story: Andrea</a></li><li><a href="http://www.minnesotafirsthome.com/general-information/renting-vs-buying-you-be-the-judge/" title="Renting vs. Buying &#8211; You Be The Judge!">Renting vs. Buying &#8211; You Be The Judge!</a></li></ul>]]></content:encoded>
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		<title>Renting vs. Buying &#8211; You Be The Judge!</title>
		<link>http://www.minnesotafirsthome.com/general-information/renting-vs-buying-you-be-the-judge/</link>
		<comments>http://www.minnesotafirsthome.com/general-information/renting-vs-buying-you-be-the-judge/#comments</comments>
		<pubDate>Fri, 26 Aug 2011 15:19:14 +0000</pubDate>
		<dc:creator>Steve Howe</dc:creator>
				<category><![CDATA[Buyer Financial Info]]></category>
		<category><![CDATA[Buyer Incentives]]></category>
		<category><![CDATA[General Information]]></category>
		<category><![CDATA[Buyer Tips]]></category>
		<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[First Time Buyers]]></category>
		<category><![CDATA[First Time Home Buyers]]></category>
		<category><![CDATA[Home Ownership]]></category>
		<category><![CDATA[Market Activity]]></category>
		<category><![CDATA[MN First Time Home Buyers]]></category>
		<category><![CDATA[Real Estate Market]]></category>
		<category><![CDATA[Twin Cities Housing Market]]></category>

		<guid isPermaLink="false">http://www.minnesotafirsthome.com/?p=2891</guid>
		<description><![CDATA[I came across this pretty cool interactive map and chart from Trulia about Renting vs. Buying a home right now.
Very interesting statistics about rental prices, listing prices, and job/unemployment numbers.
If you&#8217;re thinking about making the decision to buy a home vs. renting for another year, this could be a great resource to help you make [...]]]></description>
			<content:encoded><![CDATA[<p>I came across <a title="Cool Stuff!" href="http://explore.trulia.com/datavis/rentvsbuy/Q2-2011/?ecampaign=anews&amp;eurl=explore.trulia.com%2Fdatavis%2Frentvsbuy%2FQ2-2011%2F" target="_blank">this pretty cool interactive map and chart</a> from Trulia about Renting vs. Buying a home right now.</p>
<p>Very interesting statistics about <strong>rental prices, listing prices, and job/unemployment numbers</strong>.</p>
<p>If you&#8217;re thinking about making the decision to buy a home vs. renting for another year, this could be a great resource to help you make the right choice for yourself.</p>
<p><a title="Make the right choice for you!" href="http://explore.trulia.com/datavis/rentvsbuy/Q2-2011/?ecampaign=anews&amp;eurl=explore.trulia.com%2Fdatavis%2Frentvsbuy%2FQ2-2011%2F" target="_blank">Take a look!</a></p>
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<h3  class="related_post_title">Related Posts</h3><ul class="related_post"><li><a href="http://www.minnesotafirsthome.com/general-information/2012-new-year-housing-market-numbers/" title="2012 New Year Housing Market Numbers">2012 New Year Housing Market Numbers</a></li><li><a href="http://www.minnesotafirsthome.com/general-information/twin-cities-housing-market-update-september-2010/" title="Twin Cities Housing Market Update &#8211; September 2010">Twin Cities Housing Market Update &#8211; September 2010</a></li><li><a href="http://www.minnesotafirsthome.com/buyers/if-you-wait-to-buy-youre-going-to-lose-money/" title="If You Wait To Buy, You&#8217;re Going To Lose Money">If You Wait To Buy, You&#8217;re Going To Lose Money</a></li><li><a href="http://www.minnesotafirsthome.com/general-information/january-2012-mn-housing-market-info/" title="January 2012 MN Housing Market Info">January 2012 MN Housing Market Info</a></li><li><a href="http://www.minnesotafirsthome.com/general-information/twin-cities-housing-market-august-2011/" title="Twin Cities Housing Market, August 2011">Twin Cities Housing Market, August 2011</a></li><li><a href="http://www.minnesotafirsthome.com/general-information/can-you-see-your-shadow/" title="Can You See Your Shadow?">Can You See Your Shadow?</a></li><li><a href="http://www.minnesotafirsthome.com/upcoming-event/first-time-homebuyer-class-march-17th-2011/" title="First Time Homebuyer Class &#8211; March 17th, 2011">First Time Homebuyer Class &#8211; March 17th, 2011</a></li><li><a href="http://www.minnesotafirsthome.com/general-information/2011-housing-market-predictions/" title="2011 Housing Market Predictions">2011 Housing Market Predictions</a></li><li><a href="http://www.minnesotafirsthome.com/general-information/housing-numbers-and-graphs/" title="Housing Numbers And Graphs">Housing Numbers And Graphs</a></li><li><a href="http://www.minnesotafirsthome.com/general-information/twin-cities-housing-market-update-december-2010/" title="Twin Cities Housing Market Update &#8211; December 2010">Twin Cities Housing Market Update &#8211; December 2010</a></li></ul>]]></content:encoded>
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		<title>July 2011 Twin Cities Housing Market Update</title>
		<link>http://www.minnesotafirsthome.com/general-information/july-2011-twin-cities-housing-market-update/</link>
		<comments>http://www.minnesotafirsthome.com/general-information/july-2011-twin-cities-housing-market-update/#comments</comments>
		<pubDate>Sat, 23 Jul 2011 17:43:25 +0000</pubDate>
		<dc:creator>Steve Howe</dc:creator>
				<category><![CDATA[Buyer Financial Info]]></category>
		<category><![CDATA[Buyer Incentives]]></category>
		<category><![CDATA[Buyers]]></category>
		<category><![CDATA[General Information]]></category>
		<category><![CDATA[Sellers]]></category>
		<category><![CDATA[2010 Tax Credit]]></category>
		<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[First Time Buyers]]></category>
		<category><![CDATA[First Time Home Buyers]]></category>
		<category><![CDATA[Home Ownership]]></category>
		<category><![CDATA[MN First Time Home Buyers]]></category>
		<category><![CDATA[Tax Credit]]></category>
		<category><![CDATA[Twin Cities Housing Market]]></category>

		<guid isPermaLink="false">http://www.minnesotafirsthome.com/?p=2861</guid>
		<description><![CDATA[This video is compiled by the Minneapolis Area Association of Realtors.
Lots of good info about where the Twin Cities real estate market is right now, and maybe where it&#8217;s heading in the near future!
Highlights include:  sustained low interest rates for mortgages; increase in &#8220;pending sales&#8221; from last year; decreased number of homes available to buyers.
All [...]]]></description>
			<content:encoded><![CDATA[<p>This video is compiled by the Minneapolis Area Association of Realtors.</p>
<p>Lots of good info about where the Twin Cities real estate market is right now, and maybe where it&#8217;s heading in the near future!</p>
<p>Highlights include:  sustained low interest rates for mortgages; increase in &#8220;pending sales&#8221; from last year; decreased number of homes available to buyers.</p>
<p>All in all, this is still a fantastic time to get into the housing market as a first time homebuyer&#8211;we may be only a year or two away from a full on recovery, and if you wait too long, you&#8217;ll be paying more than you could have.</p>
<p>Watch the full video below<br />
<br />
<iframe width="560" height="349" src="http://www.youtube.com/embed/zuoUeOC_Zus" frameborder="0" allowfullscreen></iframe><br />
</p>
[contact-form-7]
<h3  class="related_post_title">Related Posts</h3><ul class="related_post"><li><a href="http://www.minnesotafirsthome.com/buyers/if-you-wait-to-buy-youre-going-to-lose-money/" title="If You Wait To Buy, You&#8217;re Going To Lose Money">If You Wait To Buy, You&#8217;re Going To Lose Money</a></li><li><a href="http://www.minnesotafirsthome.com/general-information/hennepin-and-ramsey-county-housing-numbers/" title="Hennepin and Ramsey County Housing Numbers">Hennepin and Ramsey County Housing Numbers</a></li><li><a href="http://www.minnesotafirsthome.com/general-information/2012-new-year-housing-market-numbers/" title="2012 New Year Housing Market Numbers">2012 New Year Housing Market Numbers</a></li><li><a href="http://www.minnesotafirsthome.com/general-information/renting-vs-buying-you-be-the-judge/" title="Renting vs. Buying &#8211; You Be The Judge!">Renting vs. Buying &#8211; You Be The Judge!</a></li><li><a href="http://www.minnesotafirsthome.com/general-information/twin-cities-housing-market-march-2011/" title="Twin Cities Housing Market: March 2011">Twin Cities Housing Market: March 2011</a></li><li><a href="http://www.minnesotafirsthome.com/general-information/twin-cities-housing-market-update-september-2010/" title="Twin Cities Housing Market Update &#8211; September 2010">Twin Cities Housing Market Update &#8211; September 2010</a></li><li><a href="http://www.minnesotafirsthome.com/general-information/twin-cities-housing-market-update-august-2010/" title="Twin Cities Housing Market Update &#8211; August 2010">Twin Cities Housing Market Update &#8211; August 2010</a></li><li><a href="http://www.minnesotafirsthome.com/general-information/summer-is-winding-down/" title="Summer Is Winding Down">Summer Is Winding Down</a></li><li><a href="http://www.minnesotafirsthome.com/general-information/early-summer-2010-mn-housing-market/" title="Early Summer 2010 MN Housing Market">Early Summer 2010 MN Housing Market</a></li><li><a href="http://www.minnesotafirsthome.com/upcoming-event/first-time-buyer-class-thursday-february-9th-2012/" title="First Time Buyer Class &#8211; Thursday, February 9th, 2012">First Time Buyer Class &#8211; Thursday, February 9th, 2012</a></li></ul>]]></content:encoded>
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		<title>First Time Homebuyer Class &#8211; Thursday July 21st, 2011</title>
		<link>http://www.minnesotafirsthome.com/upcoming-event/first-time-homebuyer-class-thursday-july-21st-2011/</link>
		<comments>http://www.minnesotafirsthome.com/upcoming-event/first-time-homebuyer-class-thursday-july-21st-2011/#comments</comments>
		<pubDate>Fri, 17 Jun 2011 17:27:04 +0000</pubDate>
		<dc:creator>Steve Howe</dc:creator>
				<category><![CDATA[Buyer Financial Info]]></category>
		<category><![CDATA[Buyer Incentives]]></category>
		<category><![CDATA[Buyers]]></category>
		<category><![CDATA[Home Buying How To's]]></category>
		<category><![CDATA[Upcoming Event]]></category>
		<category><![CDATA[Buyer Tips]]></category>
		<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[Credit Score]]></category>
		<category><![CDATA[Down Payment]]></category>
		<category><![CDATA[First Time Buyer Class]]></category>
		<category><![CDATA[First Time Buyers]]></category>
		<category><![CDATA[First Time Home Buyers]]></category>
		<category><![CDATA[Home Buying Process]]></category>
		<category><![CDATA[MN First Time Home Buyers]]></category>
		<category><![CDATA[Preapproval]]></category>

		<guid isPermaLink="false">http://www.minnesotafirsthome.com/?p=2847</guid>
		<description><![CDATA[[ July 21, 2011; 6:30 pm to 8:00 pm. ] 




*REGISTER HERE*
So you're thinking about buying a house - now what?! Well, the first step towards home-ownership is getting educated about the process and finding a Team of Professionals you can trust and feel comfortable with.

That's where we come in.  Join us for a very informative FREE 90 minute home-buying seminar where you will learn everything you [...]]]></description>
			<content:encoded><![CDATA[<div>
<div>
<div>
<div>
<div>
<h3><a title="Seminar Registration" href="http://www.minnesotafirsthome.com/contact/seminar-registration/" target="_self">*REGISTER HERE*</a></h3>
<p>So you&#8217;re thinking about buying a house &#8211; now what?! Well, the first step towards home-ownership is getting educated about the process and finding a <strong>Team of Professionals</strong> you can trust and feel comfortable with.</p>
<p><span style="text-decoration: underline;">That&#8217;s where we come in</span>.  Join us for a very informative FREE 90 minute home-buying seminar where you will learn everything you need to know about buying your first home.  We&#8217;ll show you the importance of getting Pre-Approved for a Mortgage, how to Search for Properties Online, and how to become an Expert Negotiator in the home-purchasing process.<br />
<br />
<iframe width="560" height="349" src="http://www.youtube.com/embed/AvzYR-YDiLM" frameborder="0" allowfullscreen></iframe><br />
<br />
Rest assured, this is not a &#8220;Sell-a-thon&#8221; like some other seminars on home-buying.  <strong>It&#8217;s totally free</strong>, we have no products to sell you, and there are no contracts to sign.  We&#8217;re all about educating buyers in order to help you with the biggest financial decision of your life.  If you&#8217;re a fan of a low-pressure and laid-back atmosphere, you&#8217;ll feel right at home.</p>
<p>Our two presenters - <a title="Get in touch with me" href="http://www.minnesotafirsthome.com/contact/" target="_self">Steve Howe</a> and <a title="Know Your Loan - Get your Home!" href="http://www.knowyourhomeloan.com/">Carrie Guarrero</a> &#8211; have teamed up to give you the full spectrum of buying your first house in the Buyer&#8217;s Market today right here in Minnesota.  <span style="text-decoration: underline;">Learn how getting the right loan can save you Thousands of dollars a year</span>.</p>
<p>Some of the topics we will cover include:</p>
<ul>
<li><a title="See what's on your credit" href="http://www.minnesotafirsthome.com/general-information/credit-score-ratings/" target="_self">Credit Score Ratings</a></li>
<li><a title="Not Up" href="http://www.minnesotafirsthome.com/buyers/down-payment-amounts/" target="_self">Down Payments</a> and <a title="Get the info on the Loan" href="http://www.minnesotafirsthome.com/buyers/10-questions-to-ask-your-loan-officer/" target="_self">Loan Qualification</a></li>
<li><a title="The Fed" href="http://www.minnesotafirsthome.com/buyers/word-of-the-week-fha-loan/" target="_self">Special Mortgage Programs for First Time Buyers</a></li>
<li><a title="Bidding Wars" href="http://www.minnesotafirsthome.com/buyers/multiple-offers/" target="_self">Writing and Negotiating Offers</a></li>
<li><a title="Closing Statement" href="http://www.minnesotafirsthome.com/buyers/word-of-the-week-hud/" target="_self">Closing Process</a></li>
<li>and Much More</li>
</ul>
<p>If you are thinking about buying a home in the next couple years we would love to answer your questions and help you make a solid home purchase, without paying too much.  Any potential <strong>First Time Home-buyers</strong> in the Minneapolis and St. Paul area of MN should come on down to one of our monthly seminars.</p>
<p><span style="text-decoration: underline;"><strong>Here&#8217;s the info:</strong></span></p>
<ul>
<li><strong>What - First Time Home Buyer Class</strong></li>
<li><strong>Where - Cornerstone Mortgage; 436 Gateway Blvd, Burnsville, MN</strong></li>
<li><strong>When - Thursday July 21st, 6:30-8:00pm</strong></li>
</ul>
<p>Upcoming Dates for 2011: August 18, September 22, October 20, November 17, December 15</p>
<p><strong>Space is limited so please </strong><a title="Seminar Registration" href="http://www.minnesotafirsthome.com/contact/seminar-registration/" target="_self"><strong>REGISTER HERE</strong></a><strong>.</strong></p>
<p><span style="text-decoration: underline;">IMPORTANT: All attendees will receive a free copy of their CREDIT REPORT and CREDIT SCORE courtesy of Cornerstone mortgage.  You must attend the class to receive your report.</span></p>
<p><strong>***It should also be noted that this is NOT the Home Stretch course needed to qualify for some of the local first time buyer programs and grants.  Our suggestion is that you get educated about the process first, then get pre-approved and figure out if you will, in fact, be eligible to receive some sort of assistance that would require you to go to the Home Stretch Class.  That class is 8 hours long and there is a fee to attend.***</strong></p>
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</div>
<h3  class="related_post_title">Related Posts</h3><ul class="related_post"><li><a href="http://www.minnesotafirsthome.com/upcoming-event/first-time-homebuyer-class-thursday-june-16th-2011/" title="First Time Homebuyer Class &#8211; June 16th, 2011">First Time Homebuyer Class &#8211; June 16th, 2011</a></li><li><a href="http://www.minnesotafirsthome.com/upcoming-event/first-time-home-buyer-class-january-20th-2011/" title="First Time Home-Buyer Class, January 20th, 2011">First Time Home-Buyer Class, January 20th, 2011</a></li><li><a href="http://www.minnesotafirsthome.com/upcoming-event/first-time-homebuyer-class-november-18th-2010/" title="First Time Homebuyer Class &#8211; November 18th 2010">First Time Homebuyer Class &#8211; November 18th 2010</a></li><li><a href="http://www.minnesotafirsthome.com/upcoming-event/first-time-homebuyer-seminar-thursday-september-22nd-2011/" title="First Time Homebuyer Seminar &#8211; Thursday September 22nd, 2011">First Time Homebuyer Seminar &#8211; Thursday September 22nd, 2011</a></li><li><a href="http://www.minnesotafirsthome.com/upcoming-event/first-time-home-buyer-class-thursday-may-19th-2011/" title="First Time Home Buyer Class &#8211; Thursday, May 19th, 2011">First Time Home Buyer Class &#8211; Thursday, May 19th, 2011</a></li><li><a href="http://www.minnesotafirsthome.com/upcoming-event/first-time-homebuyer-class-march-17th-2011/" title="First Time Homebuyer Class &#8211; March 17th, 2011">First Time Homebuyer Class &#8211; March 17th, 2011</a></li><li><a href="http://www.minnesotafirsthome.com/upcoming-event/first-time-homebuyer-class-december-16th-2010/" title="First Time Homebuyer Class &#8211; December 16th, 2010">First Time Homebuyer Class &#8211; December 16th, 2010</a></li><li><a href="http://www.minnesotafirsthome.com/upcoming-event/first-time-home-buyers-class-october-28-2010/" title="First Time Home Buyers Class &#8211; October 28, 2010">First Time Home Buyers Class &#8211; October 28, 2010</a></li><li><a href="http://www.minnesotafirsthome.com/buyers/how-much-house-can-i-afford/" title="How Much House Can I Afford?">How Much House Can I Afford?</a></li><li><a href="http://www.minnesotafirsthome.com/upcoming-event/first-time-home-buyer-class-sept-16-2010/" title="First Time Home Buyer Class &#8211; Sept 23, 2010">First Time Home Buyer Class &#8211; Sept 23, 2010</a></li></ul>]]></content:encoded>
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		<title>Twin Cities Housing Market: March 2011</title>
		<link>http://www.minnesotafirsthome.com/general-information/twin-cities-housing-market-march-2011/</link>
		<comments>http://www.minnesotafirsthome.com/general-information/twin-cities-housing-market-march-2011/#comments</comments>
		<pubDate>Sat, 02 Apr 2011 04:18:20 +0000</pubDate>
		<dc:creator>Steve Howe</dc:creator>
				<category><![CDATA[Buyer Financial Info]]></category>
		<category><![CDATA[Buyer Incentives]]></category>
		<category><![CDATA[Buyers]]></category>
		<category><![CDATA[General Information]]></category>
		<category><![CDATA[2010 Tax Credit]]></category>
		<category><![CDATA[Buyer Tips]]></category>
		<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[Down Payment]]></category>
		<category><![CDATA[First Time Buyers]]></category>
		<category><![CDATA[First Time Home Buyers]]></category>
		<category><![CDATA[MN First Time Home Buyers]]></category>
		<category><![CDATA[Twin Cities Housing Market]]></category>

		<guid isPermaLink="false">http://www.minnesotafirsthome.com/?p=2830</guid>
		<description><![CDATA[This video made by the Minneapolis Area Association of Realtors goes into some detail on what the housing market looks like in Minnesota in early Spring 2011.
Some details in include:

Lower amount of &#8220;Pending Sales&#8221; than a year ago
Lower amount of &#8220;Active Homes for Sale&#8221; than a year ago
Higher Interest Rates due to the  [slowly] recovering [...]]]></description>
			<content:encoded><![CDATA[<p>This video made by the <strong>Minneapolis Area Association of Realtors</strong> goes into some detail on what the housing market looks like in Minnesota in early Spring 2011.</p>
<p><strong><span style="text-decoration: underline;">Some details in include:</span></strong></p>
<ul>
<li>Lower amount of &#8220;Pending Sales&#8221; than a year ago</li>
<li>Lower amount of &#8220;Active Homes for Sale&#8221; than a year ago</li>
<li>Higher Interest Rates due to the  [slowly] recovering economy</li>
</ul>
<p>All this adds up to a continued strong <strong>buyer&#8217;s market</strong> for people looking to take advantage of inexpensive home prices and historically low interest rates.  But some indicators show that interest rates and down payment requirements could rise more in the near future&#8211;which may give more people enough incentive to buy NOW, rather than wait another 6, 12, or even 18 months.</p>
<p>Click &#8220;play&#8221; below to watch the whole video.  (Don&#8217;t worry, it&#8217;s only a few minutes)</p>
<p><iframe title="YouTube video player" width="560" height="349" src="http://www.youtube.com/embed/GHQR8NtSSNM" frameborder="0" allowfullscreen></iframe></p>
[contact-form-7]
<h3  class="related_post_title">Related Posts</h3><ul class="related_post"><li><a href="http://www.minnesotafirsthome.com/buyers/if-you-wait-to-buy-youre-going-to-lose-money/" title="If You Wait To Buy, You&#8217;re Going To Lose Money">If You Wait To Buy, You&#8217;re Going To Lose Money</a></li><li><a href="http://www.minnesotafirsthome.com/general-information/2012-new-year-housing-market-numbers/" title="2012 New Year Housing Market Numbers">2012 New Year Housing Market Numbers</a></li><li><a href="http://www.minnesotafirsthome.com/general-information/renting-vs-buying-you-be-the-judge/" title="Renting vs. Buying &#8211; You Be The Judge!">Renting vs. Buying &#8211; You Be The Judge!</a></li><li><a href="http://www.minnesotafirsthome.com/general-information/twin-cities-housing-market-august-2011/" title="Twin Cities Housing Market, August 2011">Twin Cities Housing Market, August 2011</a></li><li><a href="http://www.minnesotafirsthome.com/general-information/july-2011-twin-cities-housing-market-update/" title="July 2011 Twin Cities Housing Market Update">July 2011 Twin Cities Housing Market Update</a></li><li><a href="http://www.minnesotafirsthome.com/upcoming-event/first-time-homebuyer-class-thursday-july-21st-2011/" title="First Time Homebuyer Class &#8211; Thursday July 21st, 2011">First Time Homebuyer Class &#8211; Thursday July 21st, 2011</a></li><li><a href="http://www.minnesotafirsthome.com/upcoming-event/first-time-home-buyer-class-april-21st-2011/" title="First Time Home-Buyer Class &#8211; April 21st, 2011">First Time Home-Buyer Class &#8211; April 21st, 2011</a></li><li><a href="http://www.minnesotafirsthome.com/general-information/can-you-see-your-shadow/" title="Can You See Your Shadow?">Can You See Your Shadow?</a></li><li><a href="http://www.minnesotafirsthome.com/upcoming-event/first-time-homebuyer-class-march-17th-2011/" title="First Time Homebuyer Class &#8211; March 17th, 2011">First Time Homebuyer Class &#8211; March 17th, 2011</a></li><li><a href="http://www.minnesotafirsthome.com/buyers/buyers-concern-list/" title="Buyer&#8217;s Concern List">Buyer&#8217;s Concern List</a></li></ul>]]></content:encoded>
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		<title>First Time Home-Buyer Class &#8211; April 21st, 2011</title>
		<link>http://www.minnesotafirsthome.com/upcoming-event/first-time-home-buyer-class-april-21st-2011/</link>
		<comments>http://www.minnesotafirsthome.com/upcoming-event/first-time-home-buyer-class-april-21st-2011/#comments</comments>
		<pubDate>Fri, 01 Apr 2011 05:14:05 +0000</pubDate>
		<dc:creator>Steve Howe</dc:creator>
				<category><![CDATA[Buyer Financial Info]]></category>
		<category><![CDATA[Buyer Incentives]]></category>
		<category><![CDATA[Buyers]]></category>
		<category><![CDATA[Home Buying How To's]]></category>
		<category><![CDATA[Upcoming Event]]></category>
		<category><![CDATA[Buyer Tips]]></category>
		<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[Closing]]></category>
		<category><![CDATA[Closing Costs]]></category>
		<category><![CDATA[Conventional Loans]]></category>
		<category><![CDATA[Credit Score]]></category>
		<category><![CDATA[FHA Loan]]></category>
		<category><![CDATA[First Time Buyer Class]]></category>
		<category><![CDATA[First Time Buyers]]></category>
		<category><![CDATA[First Time Home Buyers]]></category>
		<category><![CDATA[Loan Programs]]></category>
		<category><![CDATA[MN First Time Home Buyers]]></category>
		<category><![CDATA[Twin Cities Housing Market]]></category>

		<guid isPermaLink="false">http://www.minnesotafirsthome.com/?p=2804</guid>
		<description><![CDATA[[ April 21, 2011; 6:30 pm to 8:00 pm. ] 


*REGISTER HERE*
So you're thinking about buying a house - now what?!  Well, the first step towards home ownership is getting educated about the process and finding a Team of Professionals you can trust and feel comfortable with.

That's where we come in.  Join us for a very informative FREE 90 minute home-buying course where you will learn [...]]]></description>
			<content:encoded><![CDATA[<div>
<div>
<div>
<h3><a title="Seminar Registration" href="http://www.minnesotafirsthome.com/contact/seminar-registration/" target="_self">*REGISTER HERE*</a></h3>
<p><strong>So you&#8217;re thinking about buying a house &#8211; now what?! </strong> Well, the first step towards home ownership is getting educated about the process and finding a Team of Professionals you can trust and feel comfortable with.</p>
<p><span style="text-decoration: underline;">That&#8217;s where we come in</span>.  Join us for a very informative FREE 90 minute home-buying course where you will learn everything you need to know about buying your first home.  We&#8217;ll show you the importance of getting <strong>Pre-Approved for a Loan</strong>, how to <strong>Search for Properties Online</strong>, and how to become an <strong>Expert Negotiator</strong> in the process.</p>
<p><a href="http://minnesotafirsthome.com/wp-content/uploads/notes.gif"><img title="First Time Buyer Class" src="http://minnesotafirsthome.com/wp-content/uploads/notes.gif" alt="First Time Buyer Class" width="106" height="89" /></a>This is not a &#8220;Sell-a-thon&#8221; like some other seminars on home-buying.  It&#8217;s totally free, we have no products to sell you, and there are no contracts to sign.  We&#8217;re all about educating buyers in order to help you with the biggest financial decision of your life.  If you&#8217;re a fan of a low-pressure and laid-back atmosphere, you&#8217;ll feel right at home.</p>
<p>Our two presenters - <a title="Get in touch with me" href="http://www.minnesotafirsthome.com/contact/" target="_self">Steve Howe</a> and <a title="Know Your Loan - Get your Home!" href="http://www.knowyourhomeloan.com/">Carrie Guarrero</a> &#8211; have teamed up to give you the full spectrum of buying your first house in the Buyer&#8217;s Market today right here in mn.  <span style="text-decoration: underline;">Learn how getting the right loan can save you Thousands of dollars a year</span>.</p>
<p>Some of the topics we will cover include:</p>
<ul>
<li><a title="See what's on your credit" href="http://www.minnesotafirsthome.com/general-information/credit-score-ratings/" target="_self">Credit Score Ratings</a></li>
<li><a title="Not Up" href="http://www.minnesotafirsthome.com/buyers/down-payment-amounts/" target="_self">Down Payments</a> and <a title="Get the info on the Loan" href="http://www.minnesotafirsthome.com/buyers/10-questions-to-ask-your-loan-officer/" target="_self">Loan Qualification</a></li>
<li><a title="The Fed" href="http://www.minnesotafirsthome.com/buyers/word-of-the-week-fha-loan/" target="_self">Special Mortgage Programs for First Time Buyers</a></li>
<li><a title="Bidding Wars" href="http://www.minnesotafirsthome.com/buyers/multiple-offers/" target="_self">Writing and Negotiating Offers</a></li>
<li><a title="Closing Statement" href="http://www.minnesotafirsthome.com/buyers/word-of-the-week-hud/" target="_self">Closing Process</a></li>
<li>and Much More</li>
</ul>
<p>If you are thinking about buying a home in the next 2 years we would love to answer your questions and help you make a solid home purchase, without paying too much.  Any potential First Time Home-buyers in the Minneapolis and St. Paul area of MN should come on down to one of our monthly seminars.</p>
<p><span style="text-decoration: underline;">Here&#8217;s the info:</span></p>
<ul>
<li>What - First Time Home Buyer Class</li>
<li>Where - Cornerstone Mortgage; 436 Gateway Blvd, Burnsville, MN</li>
<li>When - Thursday April 21st, 6:30-8:00pm</li>
</ul>
<p><strong>Space is limited so please </strong><a title="Seminar Registration" href="http://www.minnesotafirsthome.com/contact/seminar-registration/" target="_self"><strong>REGISTER HERE</strong></a><strong>.</strong></p>
<p><span style="text-decoration: underline;">IMPORTANT: All attendees will receive a free copy of their CREDIT REPORT and CREDIT SCORE courtesy of Cornerstone mortgage.  You must attend the class to receive your report.</span></p>
<p><strong>***It should also be noted that this is NOT the Home Stretch course needed to qualify for some of the local first time buyer programs and grants.  Our suggestion is that you get educated about the process first, then get pre-approved and figure out if you will, in fact, be eligible to receive some sort of assistance that would require you to go to the Home Stretch Class.  That class is 8 hours long and there is a fee to attend.***</strong></p>
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<h3  class="related_post_title">Related Posts</h3><ul class="related_post"><li><a href="http://www.minnesotafirsthome.com/upcoming-event/first-time-home-buyers-class-october-28-2010/" title="First Time Home Buyers Class &#8211; October 28, 2010">First Time Home Buyers Class &#8211; October 28, 2010</a></li><li><a href="http://www.minnesotafirsthome.com/upcoming-event/first-time-homebuyer-class-march-17th-2011/" title="First Time Homebuyer Class &#8211; March 17th, 2011">First Time Homebuyer Class &#8211; March 17th, 2011</a></li><li><a href="http://www.minnesotafirsthome.com/buyers/what-is-a-good-credit-score-for-a-mortgage/" title="What Is A Good Credit Score For A Mortgage?">What Is A Good Credit Score For A Mortgage?</a></li><li><a href="http://www.minnesotafirsthome.com/upcoming-event/first-time-homebuyer-class-november-18th-2010/" title="First Time Homebuyer Class &#8211; November 18th 2010">First Time Homebuyer Class &#8211; November 18th 2010</a></li><li><a href="http://www.minnesotafirsthome.com/upcoming-event/first-time-home-buyer-class-sept-16-2010/" title="First Time Home Buyer Class &#8211; Sept 23, 2010">First Time Home Buyer Class &#8211; Sept 23, 2010</a></li><li><a href="http://www.minnesotafirsthome.com/buyers/100-financing-mn-first-time-buyers-only/" title="100% Financing &#8211; MN First Time Buyers Only!">100% Financing &#8211; MN First Time Buyers Only!</a></li><li><a href="http://www.minnesotafirsthome.com/upcoming-event/first-time-home-buyer-class-march-18-2010/" title="First Time Home Buyer Class &#8211; March 18, 2010">First Time Home Buyer Class &#8211; March 18, 2010</a></li><li><a href="http://www.minnesotafirsthome.com/upcoming-event/first-time-homebuyer-seminar-thursday-september-22nd-2011/" title="First Time Homebuyer Seminar &#8211; Thursday September 22nd, 2011">First Time Homebuyer Seminar &#8211; Thursday September 22nd, 2011</a></li><li><a href="http://www.minnesotafirsthome.com/upcoming-event/first-time-homebuyer-class-thursday-july-21st-2011/" title="First Time Homebuyer Class &#8211; Thursday July 21st, 2011">First Time Homebuyer Class &#8211; Thursday July 21st, 2011</a></li><li><a href="http://www.minnesotafirsthome.com/upcoming-event/first-time-homebuyer-class-thursday-june-16th-2011/" title="First Time Homebuyer Class &#8211; June 16th, 2011">First Time Homebuyer Class &#8211; June 16th, 2011</a></li></ul>]]></content:encoded>
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