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All agents are NOT alike! Find out why we are top real estate experts. Call us: 218-829-6233.
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We add our newest homes and other real estate listings to this web site first. It can be some time before they appear in the MLS.
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Welcome! Here You Can Find Great Information on Brainerd Lakes Area, Brainerd, Baxter and Gull Lake, Minnesota Houses and Real Estate |
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Looking for homes in the Brainerd Minnesota area? Search everything the web has to offer, right here! Don't miss our Feature Homes. Need local real estate information? We've summarized much of what is important about the Brainerd Lakes Area, Brainerd and Gull Lake real estate market in this site. Need expert advice? No web site, large or small, can take the place of a top real estate agent. Not even ours! This site is filled with ways that you can contact us for one-on-one expert help and advice. That's our job. Contact us with confidence! We guarantee your privacy will be respected. And we offer the services on this site for free and without obligation. Why? We want to be YOUR lakes area real estate agents. As your trusted, professional real estate partners, we will help you find the best home in your area within your price range. And together we will sell your home, for as much as the market will bear, and as quickly as possible. Buying and selling a home is one of the biggest events in your life. As top Brainerd Lakes Area, Brainerd and Gull Lake real estate agents, we have the experience and track record you are looking for. Please let us help. - The Nelson Torfin Real Estate Group   
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First Time Buyers >Affording A Home
Are you getting ready to buy your first home? It is important to know how much you can afford before you begin looking at properties. Talking with a lender and getting pre-approved for a loan puts you in a stronger negotiating position with sellers.
As a rule, your monthly housing costs should not exceed 28% of your monthly pre-tax income. These costs include the mortgage payment, real estate taxes, and insurance. If you have long-term debts, such as student loans or car payments, your monthly payments, including your housing costs, should be less than 36% of your pre-tax monthly income. Some loans, such as VA and FHA loans, are more flexible with these basic guidelines.
Depending on which type of mortgage you select, you can consider houses in various price ranges. An adjustable-rate mortgage will usually enable you to qualify for a higher loan amount. Your real estate agent can help you make the basic calculations. Remember that buying at the top end of your price range gives you more time to outgrow your home, and can save you money over the long term.
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| Q |
To what process do the terms closing, escrow, settlement and passing papers refer?
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| A |
These terms, which vary in different parts of the country, describe the conclusion of a real estate sale. |
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The Nelson Torfin Real Estate Group
Positive Realty
15244 State Hwy. 371
Baxter, MN 56425
Tel: 218-829-6233
Fax: 218-829-0097
Email: info@Lakehome.com
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