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June/July 2008
ARMENIN Housing Magazine
www.harmeninghousing.com June/July 2008 Harmening Housing 1
2 Harmening Housing June/July 2008 www.harmeninghousing.com
HARMENING
Housing M a g a z i n
e
Volume 1, Issue 2
29
Features
5 What’s In & What’s Out for 2008 45 Advantages of Using
7 Quick Fixes to Increase Value Harmening Housing
9 2008 Color Trends 46 Renter’s Insurance
11 Spring Cleaning Checklist 47 For Sale By Owner:
13 Five Showing Tips A Checklist
More Homeowners Opting for 48 Keeping the Floor Looking New
Metal Roofs 49 Cleaning with White Vinegar
15 Five Factors That Affect Your 49 Common First-Time
Credit Score
Smaller Floor Plans in Big
Demand
50
51
Home Buyer Mistakes
Budget Basics Worksheet
Six Creative Ways to
17
17 Seven Reasons to Own Afford a Dream Home
Your Own Home 52 Three Places to Find Money
19 Five Potential Dangers in a Home for a Down Payment
21 Water-Free Ways to 52 Flea Market Know-How
Spruce up Landscaping 53 Best Trees & Shrubs of 2008
23 Green Remodeling Pays Off 58 Important Information
25 Green Buildings Really Do Requested by Your Lender
Perform Better 58 Design Tip of the Month
27 How to Get the Most 59 Spring Deck Prep Tips
Out of Your Garage Sale 60 Harmening Housing Feature
29 Waller House Inn Bed Announcement
& Breakfast Featured Business 61 Area Events & Happenings
37 Ridding Your Home of 63 Helpful Information for Buyer’s
39
Box Elder Bugs
Five Ways to Increase 63
and Seller’s
How to Reach Out to 53
a Home’s Value Young Buyers
40 Getting the Lawn 64 Photos Help Sell Homes
41
Ready for Spring
Poll: Most Say It’s a
64
Get Creative When
Writing Listings
42
43
Good Buyer’s Market
The Importance of Title Insurance
The Importance of Title Insurance
65
66
66
Final Walk Through
Planting for Privacy
Private Mortgage Insurance
24
(continued) 67 Types of Mortgages
Renting Better Than 69 Mortgage Glossary
a Vacant Home 71 Important Phone Number
44 What Your Home Inspection Directory
Should Cover and What Should
Be Looked At 51
www.harmeninghousing.com June/July 2008 Harmening Housing 3
feature home
4 Harmening Housing June/July 2008 www.harmeninghousing.com
in
2008
what’s IN & what’s OUT
Mark Nash of Coldwell Banker Residential Real Estate
• Bathroom Suites-Whether
it’s multiple flat-screen TVs or a mini
fridge and cappuccino maker, you’ll
soon have a whole home
inside this one room
what’s out
what’s in
• Living
• A Reduced Carbon Rooms- The in-
Footprint- How your home and you credible shrinking
impact the Earth matters to more buy- parlor has ceased
ers who want a home that lets them to exist in some
save energy and lessen their contribu- homes. These oversized soaker tubs, or “bath
tion to global warming
thrones,” have supplanted whirlpool
• Voluminous Ceiling baths as the must-have bathroom
• Outdoor Living- Massive fireplac- Heights-The absurd centerpiece.
es, outdoor kitchens and under-patio look and wasted space
heating to extend the season are not of 20’ ceilings in
just for the Sun Belt anymore. 12x10’ rooms is
finally dawning
• Fully Concealed Appliances- on buyers. Tiny
That wood-printed cover for the fridge balconies with
is not enough any longer; now appli- only room for one
ances are hidden behind hinged doors. chair is worthless;
out
balconies must
now function for
• Floating Homes- Not your father’s entertaining too.
houseboat, these nonmobile homes
are basically ranch houses sitting on
stationary barges in a lake or river. • McMansions- Could
it be that “small is beautiful”
finally is gaining traction?
• Home Elevators- Even builders
of mid-priced homes are adding this
essential for boomers wanting to age in
place.
• Pet Showers- Clean pets mean
clean homes, and who wants to mess
up the bathtub when this feature can
be a part of the garage or mudroom?
• Freestanding Bathtubs-These
oversized soaker tubs, or “bath
thrones,” have supplanted whirlpool
baths as the must-have bathroom
centerpiece.
www.harmeninghousing.com June/July 2008 Harmening Housing 5
$334,900
The call of the Loons beckon you to come and
experience serenity. A shell lake home on 2.97
rolling wooded acres on sought after Baby Lake,
invites you to finish your dream home of 2500
square feet. Enjoy the beautiful view of this
700 acre lake. Your private dock, with 177 feet
of natural shoreline, puts fishing, boating and
swimming right at your fingertips. Wake to the
sunrise and the sounds of nature from your lake-
side master suite. Begin and end your day on the
wrap around deck. Beautiful mature trees pro-
vide the perfect canopy over the path to the
lake. Secluded private drive to new development,
with three new homes and fourth to start sum-
mer of 07. This dream home is being offered to
1690 Buckshot Trail NW
you for $334,900. * Constructed in 2006 *
Spectacular vaulted Great Room with an Awe-
some view of Baby Lake * Cedar Siding * L shaped
cedar deck * Anderson and Marvin windows * New
200 amp electrical service to home * Mound Longville, MN 56655
feature home
Septic system installed and inspected in 2007 *
Lower level features: * 10 foot ceilings * Con-
crete poured foundation * Basement grading
allows for in-floor heat * Plenty of natural light *
8 ft. Marvin door for walk out to lake * Set Up
for future deck off master suite * Navigable wa-
ters to Mann Lake and McKeown Lake. This little
slice of heaven is in the process of being finished.
The price will increase as work is completed.
CONTACT:
KIRK (952) 292-7827
MAY 2008
6 Harmening Housing June/July 2008 www.harmeninghousing.com www.harmeninghousing.com
quick fixes to increase value
Realtor.org/realtormag-Home & Design
Enrich with
color.
Paint’s cheap, but forget
Add old-world patina.
$
Make Andrea Palladio proud. Install
crown molding at least six to nine inches
in depth, proportional to the room’s size
the adage that it must be and architecture. For ceilings nine feet
white or neutral. Just don’t let
y
sellers get too avant-garde with
jarring pinks, oranges, and
high or higher, add dentil detailing, small
tooth-shaped blocks used as a repeating
ornament. It’s all in the details, after all.
purples. Recommend soft colors that say
Buff up curb appeal. “welcome,” lead the eye from room to
You’ve heard it before, but it’s critical room, and flatter skin tones. Think soft Screen hardwood floors.
yellows and pale greens. Tint ceilings a Buyers favor wood over carpet, but
ENING to get buyers to want to look on the
inside. Be objective. View listings from lighter shade. refinishing is costly and time-consuming.
G LLC the street. Check the condition of the Screening cuts dust, time, and expense.
What it entails: a light sanding, not a
$
or Rd. landscaping, paint, roof, shutters, front
door, knocker, windows, house number,
Upgrade the kitchen full stripping of color or polyurethane,
6425
2 and even how window treatments and bathroom. then a coat of finish.
look from the outside. Add something These make-or-break rooms can spur a
special—such as big flower pots or sale. But besides making each squeaky Clean out &
AD PROOF
an antique bench — to help viewers clean and clutter-free, update the
remember house A from B. pulls, sinks, and faucets. In a kitchen, organize closets.
add one cool appliance, such as an Get sorting—organize your piles into
espresso maker. In the bathroom, hang “don’t need,” “haven’t worn,” and “keep.”
a flat-screen TV to mimic a hotel. Room Closets must be only half-full so buyers
service, anyone? can visualize fitting their stuff in.
Update window
$
treatments.
Buyers want light and views, not dated,
fancy- schmancy drapes that darken. To
diffuse light and add privacy, consider
energy-efficient shades and blinds.
Hire a home inspector.
Do a preemptive strike, since busy home
owners seek maintenance-free living. Fix
problems before you list the home and
then display receipts and wait for buyers
to offer kudos to sellers for being so
responsible.
www.harmeninghousing.com June/July 2008 Harmening Housing 7
$125,900 201 2nd Street NW
Crosby, Minnesota 56441
feature home
This beautifully remodeled three bedroom home on
a corner lot in Crosby could be what you’re looking
for. Nestled in a quiet neighborhood just six
blocks from Serpent Lake and within walking dis-
tance from downtown. Come see for yourself. This
home has magnificent hardwood floors, ceramic
tile counter tops, and custom oak cabinetry. Large
full basement and two spacious bathrooms. The
yard has an abundance of perennial flower beds
and a great fire pit for entertaining your guests.
Kevin and Rachel Fish
Phone: (218) 232-6201
8 Harmening Housing
MAY 2008 May/June 2008 www.harmeninghousing.com www.harmeninghousing.com
2008 color trends
Liven up your listings using
mixed with some
bold,VIVID
earthy, natural tones
colors
Paint, furnishings, and Blue hues. Ethnic accents.
accessories are influenced by
The environment also is inspiring sky and Color scheme influences from India, China,
the natural environment. A few water blues to come inside, even in livening and Latin America will be evident this year.
contrasting accents colors will up the kitchen. Be on the lookout in 2009: Expect Moroccan reds and glowing oranges
have buyers taking notice. A deep navy blue that appears almost black to mix with rosy pinks, sunny golden yellows,
and is inspired by the techno world will pop and turquoise. For the ultimate color punch,
up in more homes. pair them with rich browns and neutrals.
Bring nature home.
Capturing the colors of the natural
world is gaining traction this year with
handmade, undyed, and unbleached
materials. Off-white, sandy, and linen
colors mixed with rock and soil colors and
brownish greens are calling nature inside. Subdue the shine.
Shimmery metallic finishes are still in, but
chrome and nickel are starting to be replaced
by softer shades. More homes are being
outfitted with copper and bronze tones and
bringing more warmth to metallic finishes.
www.harmeninghousing.com May/June 2008 Harmening Housing 9
For Sale By Owner
4615 Gull Lake Dam Road
East Gull Lake, MN 56401
This spacious 2,000+ sq. ft single family duplex home could be yours by either
leasing or buying Contract For Deed.
feature home
This quality remodeled home boasts 4 spacious bedrooms, and 2 bath. Fully equipped
with 2 full size kitchens. Sit and enjoy your cold winter evenings by the fireplace or sit
on the deck patio in the summer months. This house boasts a finished 2 car attached
garage and an asphalt driveway. This could be the home of your dreams!
Call Leon for a showing, this house won’t last long! Phone: (763) 458-5806
10 Harmening Housing June/July 2008 www.harmeninghousing.com
spring cleaning
Finally! The long awaited end
of winter has arrived!
Here is a handy checklist to get
you on your way to a home
as fresh as the new buds in
the garden.
Sniff out smells. Clean those coils.
Check the drip tray underneath Improve energy efficiency by
your refrigerator and wash vacuuming grates, coils, and
out any standing water from condensers in your furnace,
defrosting. Remove inside odors stove, and refrigerator (either
by washing the inside of the underneath or in back). If a
fridge with a baking soda and vacuum won’t reach, try a rag tied
water solution. Boil lemon juice to a yardstick.
in your microwave and add it to
your dishwasher to eliminate bad
smells. Also, put the lemon rinds Wash the walls.
Let the sun in. down the disposal. Add activated
charcoal in the fridge to keep
Grease, smoke, and dust can
adhere to walls and make even the
Make any room look brighter
with clean blinds and windows. odors at bay. best decorating look dingy. Wash
Mix a solution of one part white walls using a general-purpose
cleaner with hot water. Start at
vinegar to eight parts water,
plus a drop or two of liquid Make your bed the top of the wall to avoid drips
and in a corner so that you wash
dishwashing liquid, for a green
window cleaner. Spray on and better. one wall at a time. Rinse the mop
wipe with newspaper to avoid Vacuum mattresses and box head frequently in clean water.
streaks. Washing on a cloudy day springs, and then rotate and flip And don’t press too hard, because
also reduces streaking. over. Do the same for removable flat latex paint won’t absorb much
furniture cushions. This is also a water.
great time to wash or dry-clean
the dust ruffle and mattress pad.
www.harmeninghousing.com June/July 2008 Harmening Housing 11
e
feature home
H om
a t i o n
V a c
$535,000
This beautiful log lake home in Northern Minnesota appraised
$100k above the listed purchase price. The nearly 3000 sq ft. of the
most tastefully decorated living space, and the 150 ft. of sand/rock
rip-rap shoreline is sure to excite any potential homebuyer. Don’t
wait any longer to make this your dream vacation home!
Contact Jim or Pam to set up your private showing: (218) 330-9536
12 Harmening Housing June/July 2008 www.harmeninghousing.com
MAY 2008 www.harmeninghousing.com
five showing tips
1
Replace heavy drapes with lightweight
sheers during warmer months to give
a room a brighter, lighter feel.
2
3 Make the fridge smell fresh instantly
with cotton balls soaked in vanilla
extract or orange juice.
4
Help the homeowner add new fluff
to a lumpy comforter by having two
people vigorously shake the quilt up
Did you know?
5
and down to redistribute stuffing.
More Homeowners are
Opting for Metal Roofs
Resist the temptation to spot-clean About one-third of new homes built
today come with metal roofs, according
walls since it will make the rest of the
to the National Roofing Contractors
wall look dingy.
Shut some air conditioning vents Association, and an increasing number
on the first floor or basement so of homeowners are choosing metal for
replacement roofs.
that more air will reach and cool the
second floor. Reverse the process in Metal roofs have many advantages.
winter for heat vents. They last about twice as long as
traditional asphalt shingles. They can
withstand high winds. When treated
Lic.# 20516898 with coatings and finishes, they reflect
FREE ESTIMATES heat, helping keep the house cool and
air conditioning bills down.
They also have a few drawbacks. They
are slippery, so it can be difficult to
find people to work on them. Rain
and hail sound loud. And they cost
about twice as much as even the most
expensive fiberglass-asphalt shingles.
SHINGLES, FLAT & METAL ROOFS
LIFETIME VINYL & STEEL SIDING Source: The Wall Street Journal, Nancy
Keates (03/30/2008)
ST.CLOUD (320) 253-3714 ~ BRAINERD (218) 825-0300
www.harmeninghousing.com May/June 2008 Harmening Housing 13
$185,000
11870 County Road 30
Staples, Minnesota 56479
feature home
Newer home nestled on a quiet 10 acres, yet very close to town. 1.5 miles to
The Vintage, a beautiful 18 hole championship golf course. This wonderful
home is nestled next to the Crow Wing River and features an open floor plan
including a hot tub, 3 sets of patio doors off the back of the home that
leads to a large deck. This home also features a balcony off the master bed-
room and a full walkout. There is ample room in the 2 car attached garage.
The basement is 75% finished. The 10 acres of land includes all new fencing ,
loafing shop, 28 x 40 and 28 x 30 small barn, outdoor wood stove, and
much more. You don’t want to miss the chance to make an offer on this
exceptional and affordable home.
Contact
Jolleen Yungbauer
(218) 296-2411
(218) 895-6000
14 Harmening Housing June/July 2008 www.harmeninghousing.com
five factors that affect
your credit score
Credit scores range 2. How much you owe. 4. How much new credit
between 200 and you have.
If you owe a great deal of money on
800, with scores numerous accounts, it can indicate New credit, either installment
above 620 considered that you are overextended. However,
it’s a good thing if you have a good
payments or new credit cards, are
considered more risky, even if you
desirable for obtaining proportion of balances to total credit pay them promptly.
limits.
a mortgage. The
following factors affect 5. The types of credit you
your score: 3. The length of your credit
use.
history
Generally, it’s desirable to have more
In general, the longer you have had than one type of credit — installment
1. Your payment history. accounts opened, the better. The
loans, credit cards, and a mortgage,
average consumer’s oldest obligation for example.
Did you pay your credit card is 14 years old, indicating that he
obligations on time? If they were late, or she has been managing credit for
then how late? Bankruptcy filing, some time, according to Fair Isaac
liens, and collection activity also Corp., and only one in 20 consumers For more on evaluating and
impact your history. understanding your credit score, visit
have credit histories shorter than 2 www.myfico.com
years.
smaller floor plans in big demand
Source: The Wall Street Journal, Nancy Keates (03/21/2008)
American’s appetite for big homes rooms, including media rooms and “They’re finally getting it,” says
and over-sized furniture appears home offices, says a spokesman for Jodi FitzGerald, owner of Door
to be shrinking. luxury specialist Pulte Homes. Store Furniture, an 11-store
retail chain in metropolitan New
New-home buyers began asking In three of its four new sofa York that specializes in small-
builder KB Home for smaller collections, Younger Furniture is scale furniture. She estimates the
floor plans right after the collapse offering “apartment size” sofas, number of smaller offerings has
in subprime lending last year, says which are about 10 inches shorter grown by about a third over the
CEO Jeffrey Mezger. than full-sized ones. Citing a trend past year.
toward smaller homes, Rowe Fine
The demand for a huge, high- Furniture says it expects its Mini
ceilinged great room is giving way Mod line will account for a quarter
to the desire for special-purpose of its collection this fall.
www.harmeninghousing.com May/June 2008 Harmening Housing 15
feature home
16 Harmening Housing June/July 2008 www.harmeninghousing.com
seven reasons to own
your own home
1. Tax breaks. In addition, the number of U.S. at www.GinnieMae.gov
households is expected to rise 15
The U.S. Tax Code lets you deduct the percent over the next decade, creating
interest you pay on your mortgage, continued high demand for housing.
your property taxes, as well as some
3. Equity.
of the costs involved in buying your
home. Money paid for rent is money
that you’ll never see again, but
2. Appreciation. mortgage payments let you build
Real estate has long-term, stable equity ownership interest in your
home.
growth in value. While year-to-
year fluctuations are normal, median 4. Savings.
existing - home sale prices have Building equity in your home is a
increased on average 6.5 percent each ready-made savings plan. And when
year from 1972 through 2005, and you sell, you can generally take up to
increased 88.5 percent over the last 10 $250,000 ($500,000 for a married
years, according to the NATIONAL couple) as gain without owing any
federal income tax.
3
ASSOCIATION OF REALTORS®.
5. Predictability.
Unlike rent, your fixed-mortgage
payments don’t rise over the years
so your housing costs may actually
decline as you own the home longer.
However, keep in mind that property
taxes and insurance costs will
increase.
6. Freedom.
The home is yours. You can decorate
any way you want and benefit from
4
your investment for as long as you
own the home.
7. Stability.
Remaining in one neighborhood for
several years gives you a chance to
participate in community activities,
lets you and your family establish
lasting friendships, and offers your
children the benefit of educational
continuity.
Online resources: To calculate whether
buying is the best financial option for
you, use the “Buy vs. Rent” calculator
www.harmeninghousing.com June/July 2008 Harmening Housing 17
.DWULQH'ULYH'HHUZRRG01
This home is located next to beautiful Bay Lake with boat access 1 mile away. Great Central MN location only
two hours from the Twin Cities. Located only 4 miles from Garrison, 14 miles from Brainerd, and 8 miles from
Deerwood. Beautiful mature Oak and Maple trees give great shade in the summer and color in the fall. You
are able to enjoy a southern view from the deck of the house and watch the deer graze in the evening as well
as enjoy the sunset. Has a large sunroom which walks out into an outdoor patio area. Children will enjoy sled-
feature home
ding down the gentle sledding hill located in the front yard. The property also has a Large Barn, 30x50 de-
tached 3 car garage and another outbuilding. The house was re-shingled in 2004 and the sunroom was
added on in 2005. Taxes on the house/property are less than $900 dollars per year due to taconite tax relief.
*Additional adjoining acreage would be available for purchase if interested.
CONTACT:
Bryan & Amy
Phone: (218) 851-7188
Alternate: (218) 851-7189 $219,900
18 Harmening Housing June/July 2008 www.harmeninghousing.com
five potential dangers in a home Pillar to Post
Home inspection within construction materials. closing, which proves the products
Home owners should be careful were disposed of properly and
company Pillar to Post when remodeling because disturbing not just dumped in the backyard.
has identified these insulation may cause the asbestos to
common dangers. Point become airborne.
Groundwater
out these household Contamination
hazards to buyers and Lead Hazardous chemicals that are illegally
This toxic metal, used in home
sellers and advise clients products for many years, can
disposed of can seep through the soil
and enter water supplies. A leaking
to contact a home contribute to several health problems,
underground oil tank or faulty septic
inspector to make sure especially among children. Exposure
system can also lead to contamination.
can occur from deteriorating
these problems aren’t lead-based paint, lead pipes, or
What to look for: Look for any
present. lead-contaminated dust or soil.
conditions that may be conducive to
leakage. Homes near light industrial
What to look for: Homes built prior
Radon to 1978 may have lead present. Look
areas or facilities may be at risk. Also a
This colorless, odorless gas can seep concern: areas once used for industry
for peeling paint and check old pipes.
into the home from the ground that are now residential. Pillar to Post
To get a HUD-insured loan, buyers
and has been called the second offers a Neighborhood Environmental
must show a certificate that homes
most common cause of lung cancer. Report that details any dangers or
built prior to 1978 are lead-safe.
remedies of environmental incidences
What to look for: Basements or any and sources of contamination that
protrusions into the ground offer entry Hazardous products have occurred at a specified address
points for radon. The Environmental Stockpiles of household items — and within its vicinity.
Protection Agency publishes a map such as paint solvents, pesticides,
of high prevalence areas for radon. fertilizers, and motor oils — can
A radon test can determine if create a dangerous situation if not
high levels of radon are present. properly stored or disposed. They
can cause illness or even death
if small amounts are ingested.
Asbestos
This fibrous material — once
What to look for: Make sure these
popular in building materials
items aren’t tucked away in corners,
because it provides heat insulation
crawl spaces, garages, or garden sheds.
and fire resistance — was banned in
Homeowners often don’t realize these
1985. It may still be found in older
products can pose a danger and may
homes’ insulation materials, floor
forget they’re storing them. But
tiles, roof coverings, and siding. If
buyers don’t want it to become their
disturbed or damaged, it can enter
problem — and expense — to dispose
the air and cause severe illness.
of. If these products are found, make
sure the buyer requires their removal
What to look for: Homes built before
and gets a disposal certificate prior to
1985 are at risk of having asbestos
www.harmeninghousing.com June/July 2008 Harmening Housing 19
18679 118th Street
Little Falls, Minnesota 56345 $285,000
feature home
This beautiful split level home boasts five
bedrooms, a finished basement, three car
attached garage and three car detached.
This house sits on 35 acres of land, so
you have plenty of room to roam. Oak
laminate floors and oak cabinetry in the
kitchen, and ample counter space. This
house is going to make someone very
happy. Come see it for yourself!
Contact: Tony
(218)-454-0272
20 Harmening Housing June/July 2008 www.harmeninghousing.com
water-free ways to spruce up landscaping
Bert Sperling, Droughtscore.com; Rachel Hart, Landscape Architect,
Artemesia Design;Lance Walheim, Horticulturist, Bayer Advanced.
Many of our communities refers to landscaping approaches 4. Spread pebbles. For a nice
that require little water to prosper. textural Zen look, think pea
have faced several season Specific plants must be selected gravel, decomposed granite, or
of below-level rain, which for each climate. colored rocks such as Arizona river
rock. Accent with large boulders.
has ultimately taken a toll Don’t cover a yard completely
on our landscaping. It’s 2. Fake grass. Originally used for with rocks since it will reflect too
sports centers, faux grass has gone much heat, especially if pebbles
important to know that our residential with products such as are white, says Lance Walheim,
curb appeal does not have EasyTurf. One glitch: a green garden expert for Bayer Advanced
lawn may look a bit out of place in Peoria, Ill.
to suffer as a result. Our when everything else in spring is
lawns can flourish without barren or brown.
5. Pave with hardscape, such as
heavy watering if we make brick. Because brick is porous,
smart choices. 3. Lay the groundwork. Ground water percolates through it and
covers that look good all year into reserves rather than running
1. Go dry. Some plants require are smart substitutes for grass. off. Pockets of xeriscaping
little water to get established, Consider creeping thyme, low- materials soften edges and add
but once they’ve matured, they growing yarrow, and low-growing color.
can remain dry. Xeriscaping, sedums.
or drought-tolerant landscaping,
www.harmeninghousing.com June/July 2008 Harmening Housing 21
$299,000
This home is set in 80 acres of beautiful countryside, with vast
timberline and an array of wildlife: deer, bear, turkey, grouse,
pheasant, coyote, fox, etc, with 30 acres of tillable land. If you
have a love of nature and wildlife, this is the home for you. This
house features a beautiful pine, handcrafted open staircase and
knotty pine walls with cedar trim. The A-frame, cedar-sided home
with a porch on the front and back, offers an expansive view of na-
ture through the large trapezoid windows facing to the east. You
feature home
can warm yourself or your family on a cold, wintry day with the 20
foot custom stone fireplace located in the great room, which is
surrounded by the large, trapezoid windows-made specifically to
look out upon nature. The house includes a large master bedroom
with a walk-in closet and large master bath with a whirlpool bath-
tub. The kitchen features hickory cabinets and stainless steel
appliances and is open to the dining room which houses a bay win-
dow. The main floor also includes one bathroom. On the uppermost
level of the house, you will find the living room, which faces the fire-
place. This level also features 3 bedrooms and a full bathroom. In
the unfinished basement you will find two egress windows for fu-
ture bedrooms. Wireless Internet is available in the entire house.
House is in immaculate condition, with a two-car garage on the
west side. The house is listed as being located on 10+ acres for
the asking price of $299,000. There is an additional70 acres
that we would be willing to sell along with it. Don't miss out on this
spectacular house and make it your very own home!
Contact
Benjamin Schwartz
Phone: (218) 445
445--5451
22 Harmening Housing June/July 2008 www.harmeninghousing.com
green remodeling pays off
st. petersburg times, Susan Thurston (12/28/07) ThinkGlink.com, Ilyce Glink (12/07/07)
Green remodeling can pay
off - not only in lowered
utility bills, but also in
buyer appeal when the
property is sold.
Here are some green
things to consider:
• Energy-efficient products. Choose Energy
Star appliances, double-paned windows,
low-flush toilets, and compact fluorescent
light bulbs.
• Spray foam insulation. Seal the home
with insulation that doesn’t let the heat or
cooled air leak out.
• Sustainable wood flooring. Select flooring
certified by Forest Stewardship Council,
which protects forests by managing the
amount of wood harvested annually.
• Locally made products. Buy products
made less than 250 miles away to reduce
transportation costs. Granite, for instance,
is generally imported from afar.
• Nontoxic paint. Use paint that is low
in volatile organic compounds (VOCs)
— chemicals that evaporate into the
atmosphere. Look for Green Seal certified
brands.
www.harmeninghousing.com June/July 2008 Harmening Housing 23
13401 Mile Lake Drive
$249,900
Baxter Minnesota 56425
This four bedroom, two
Beautiful Country Setting in Baxter bath home boasts pride in
ownership. Located close to
the community, this prop-
feature home
erty offers 200’ + of shore-
line on both Mile and Upper
Whipple Lake. Privacy, sce-
nic views, fishing, and swim-
ming are all added bonuses
to this home. Double garage
and small storage garage.
This great offer even in-
cludes a pontoon. Don’t
miss this great offer!
Contact: Tony
(218)-829-0652 / (218)-839-6683
24 Harmening Housing June/July 2008 www.harmeninghousing.com
green buildings really do perform better
Interior Design, Nicholas Tamarin (04/08)
Two newly released studies direct correlation between increasing
suggest that green buildings levels of LEED certification and
increased energy savings.
outperform their conventi-
onal counterparts in energy
savings, sale prices, rental
Higher rent and occupancy
rates, and occupancy rates. rates. Meanwhile, a new CoStar
Group study calculated that LEED
buildings command rent premiums
of $11.24 per square foot over non-
Energy use and savings. LEED certified buildings and have
Funded by the U.S. Green Building 3.8 percent higher occupancy rates.
Council (USGBC) and the EPA, the The report further confirms that
New Buildings Institute study found Energy Star buildings represent a
that buildings certified by the USGBC $2.38-per-square-foot premium
LEED system are performing 25 to 30 over comparable non-Energy Star
percent better on average than non- buildings and have a 3.6 percent
LEED certified buildings in terms higher occupancy.
of energy use. NBI’s study showed a
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www.harmeninghousing.com June/July 2008 Harmening Housing 25
feature home
QG
26 Harmening Housing June/July 2008 www.harmeninghousing.com
how to get the most out
of your garage sale
p y
Garage sales can be a great Remember, garage sales are supposed to
be bargains, so try to be objective as you
way to get rid of clutter
set prices. Assign simple prices to your
— and earn a little extra
HARMENING
cash — before you sell your
goods: 50 cents, 3 for $1, $5, $10, etc.
HOUSING
home. Follow these tips for LLCjunk, don’t sell it.
a 6. If it’s really
Decide what’s worth selling and what’s
successful sale. 7180 Excelsior Rd.
not. If it’s really garbage, then throw it
Baxter, MN 56425
away. Broken appliances, for example,
(218-454-0272
should be tossed. (Know where a nearby
1. Don’t wait until the last minute. electrical outlet is, in case a customer
You don’t want to be scrambling to hold wants to make sure something works.)
AD PROOF
a garage sale the week before an open
house. Depending on how long you’ve 7. Check for mistakes. 11. Prepare for your home sale.
lived in the home and how much stuff Make sure that items you want to keep Donate the remaining stuff or sell it
you have to sell, planning a garage sale don’t accidentally end up in the garage to a resale shop. Now that all of your
can demand a lot of time and energy. sale pile. clutter is cleared out, it’s time to focus
on preparing your house for a successful
2. See if neighbors want to join in. 8. Create an organized display. sale!
You can turn your garage sale into a Lay out your items by category, and
block-wide event and lure more shoppers display neatly so customers
if you team up with neighbors. However, don’t have to dig through
Rels
a permit may be necessary for each home boxes.
owner, even if it’s a group event.
Title
9. Stock up on bags and
3. Schedule the sale. newspapers. Rels Title provides a full
Sales on Saturdays and Sundays will range of services including:
People who buy many
generate the most traffic, especially if the small items will appreciate •Mobile Closings Available
weather cooperates. Start the sale early, a bag to carry their goods. •New Construction– Draws, Lien Waivers
8 a.m. or 9 a.m. is best, and be prepared Newspapers are handy for •Closing / Escrow Services
for early birds. wrapping fragile items. •Abstract Updates
•Mortgage and Owner’s Title Insurance Policies
•Document Recording & Preparation
4. Advertise. 10. Manage your money. •Owners and Encumbrance Reports
Place an ad in free classified papers and •1031 Exchange
Make a trip to the bank to
Web sites, and in your local newspapers. get ample change for your
Include the dates, time, and address. cashbox. Throughout the www.rels.info
Let the public know if certain types of sale, keep a close eye on SERVICING GREATER MINNESOTA
items will be sold, such as baby clothes, your cash; never leave the
Excelsior Road
furniture, or weight lifting equipment. cashbox unattended. It’s 371 N
On the day of the sale, balloons and signs smart to have one person
210
with prominent arrows will help to grab who manages the money RELS TITLE
the attention of passersby. throughout the day, keeping With this advertisement receive $50.00 off your next closing
a tally of what was purchased Julia Sharon Tammy
5. Price your goods. and for how much. Keep a Baxter, MN. St. Cloud, MN. Hutchinson, MN.
218-829-4450 320-240-6800 320-234-6020
Lay out everything that you plan to sell, calculator nearby.
and attach prices with removable stickers.
www.harmeninghousing.com June/July 2008 Harmening Housing 27
3437 Telemark Trail
$162,900
Cushing, Minnesota 56443 Selling Below Cost
•Rent to Own Option
$1,100 / Month
•Military Discounts
Available
Start adding your personal style to this
new Energy Star custom built home. Of-
fered in this spacious home is an open
floor plan with vaulted ceilings, 2 bed-
rooms, and 1 bath on the main level.
Large windows allow plenty of natural
light into the home. Unfinished lower
feature home
level designed to add additional space
for a growing family with an open liv-
ing / recreation area, 2 additional bed-
rooms and 1 additional bath. This
home is within walking distance to Lake
Alexander public access and park.
Hurry up and make an appointment to
tour this home today before this oppor-
tunity slips away.
Contact: Matt
Cell:
218-330-7607
Work:
218-829-0808
matt@lakeareahomes.net
28 Harmening Housing June/July 2008 www.harmeninghousing.com
waller article
www.harmeninghousing.com
June/July 2008 Harmening Housing 29
9071 Black Bear Trail
$191,900
Brainerd, Minnesota 56401 Selling Below Cost
Selling Below Cost
The open floor plan of this
home welcomes you and makes
entertaining a breeze. Featuring
3 bedrooms 2 baths a master
suite with his and her closets ,
his and her vanities. Main floor
laundry is an added conven-
ience for any family. Kitchen
features a breakfast bar over-
looking the living room and din-
ing area all with vaulted ceilings.
Unfinished lower level awaits
feature home
your finishing touches and fea-
tures a walk out to a large back-
yard. Hurry up and make an
appointment to tour this Energy
Star approved home today be-
fore this opportunity slips away.
Contact: Matt
Cell:
218-330-7607
Work:
218-829-0808
matt@lakeareahomes.net
30 Harmening Housing June/July 2008 www.harmeninghousing.com
www.harmeninghousing.com June/July 2008 Harmening Housing 31
feature home
32 Harmening Housing June/July 2008 www.harmeninghousing.com
www.harmeninghousing.com June/July 2008 Harmening Housing 33
If You’re Going to Build It -
With
V
Build it a View!
feature home
Two River Lots Available
1 Acre / Lot Pillager
Easy Terms
Crow Wing River Lots Contact : Tony
$110,000 / Lot (218)-829-0652
City Water, Sewer, Electric Included (218)-839-6683
34 Harmening Housing June/July 2008 www.harmeninghousing.com
www.harmeninghousing.com June/July 2008 Harmening Housing 35
credit score primer: what buyers need to know
Source: Seattle Post - Intelligencer, Aubrey Cohen (11/21/07)
In the wake ofHARMENING
the credit crisis,
lenders have become
HOUSING much LLC picky
about whom they lend Rd.to. Here
7180 Excelsior
Baxter, MN 56425
are some basic facts that will help
(218-454-0272
potential borrowers understand
AD PROOF
what they face.
The measurement that most lenders use to assess
applicants’ credit risk is the FICO score developed
by Fair Isaac Corp.The score ranges from 300 to
850.
There’s not one FICO score. Buyers have three:
one for each of the three credit bureaus, Experian,
TransUnion and Equifax.
The Components of a FICO Score:
Payment History - 35%
Length of Credit History - 15%
Types of Credit Used - 10%
Amounts Owed - 30%
New Credit - 10%
Each credit score is based on information the credit
bureau keeps on file. Since credit bureaus don’t share
their data with one another, the three FICO scores
may differ, sometimes by as much as 100 points.
One per customer while supplies last
A consumer with a 580 credit score might qualify
under FHA requirements, but, generally, in order
to qualify for a prime loan, a borrower must have
Quality NEW Furniture at Affordable Prices
a credit score above 620 for a conventional loan
and above 720 for a loan at terms and rates most
borrowers would consider desirable.
Furnish-it@hotmail.com
36 Harmening Housing June/July 2008 www.harmeninghousing.com
box elder bugs
written by tina caruso
protected areas for the winter. Only creased temperature. As
fully grown adults survive the winter. they wake up, they tend
Adult box elder bugs typically can fly to find the warmer areas
several blocks, although in some cases of the house.
they can travel as far as two miles.
Eventually by spring, all the surviv-
Some homes are especially attractive ing Box Elder Bugs that lived inside
to Box Elder Bugs, while neighbor- buildings become active. They try
ing buildings may have few. This usu- to move outdoors but many remain
ally depends upon the amount of sun trapped inside. The bugs operate on
the building is exposed to. Box Elder a ten year cycle. Between years seven
Bugs like warm areas and are attracted and ten, the bugs tend to be the most
to buildings with a large southern or reproductively active. In case you
We all have seen these lit- western exposure. Buildings standing were wondering, we are currently in
taller than surrounding structures or year eight.
tle bugs crawling on our standing isolated on flat ground can
floors and windows. Just also attract large numbers of Box El- For all homes
when you think you have der Bugs. Color does not appear to • Repair or replace damaged win-
influence box elder bugs as they are dow and door screens.
sucked the last one up in found on buildings of all hues.
the vacuum, five more ap- • Repair or replace damaged screens
pear on the window. Box As the weather cools, Box Elder Bugs in roof and soffit vents, and in
push into cracks and spaces around bathroom and kitchen fans.
elder bugs seem to be a homes. In some cases they end up in
problem for most hom- the interior of buildings where they • Seal areas where cable TV wires,
eowners. So what do we are often found around windows. phone lines, and other utility wires
They remain active until it becomes and pipes, outdoor facets, dryer
know about these annoy- cold, which could continue into win- vents, and similar objects enter
ing little bugs? ter when the weather is mild. While buildings.
you may see persistent numbers of
In Minnesota, Box Elder bugs come these bugs are short-lived, only sur- • Seal with caulk or for larger spaces
out from over wintering sites during viving for a few days up to a week. use polyurethane expandable spray
spring as the weather starts to warm Other Box Elder Bugs end up in shel- foam, copper mesh, or other ap-
up. Adults feed on low vegetation and tered areas in walls, attics, and simi- propriate sealant.
seeds on the ground during spring lar areas where they remain until the
and early summer, and begin mating weather becomes more appealing. • Install door sweeps or thresholds
a couple of weeks after they started to all exterior entry doors. Install
feeding. Box elder bugs may also feed During winter, Box Elder a rubber seal along the bottom of
on maple or ash trees. There is no real Bugs are generally inac- garage doors.
damage to these trees due to feeding. tive. But, during mild,
During late summer and fall, Box El- sunny days, Box El-
der Bugs start to abandon the trees der Bugs become
from where they were feeding to find active with the in-
www.harmeninghousing.com June/July 2008 Harmening Housing 37
box elder bugs cont.
Mark Nash of Coldwell Banker Residential Real Estate
For homes constructed of stucco, plas-
ter, stone or brick veneer
• Check the outside surfaces for spaces and
cracks that may allow the insect’s easy entry, sealing
any openings 1/8th inch in size or larger. This will
not eliminate all box elder bugs but it can significantly
reduce the number entering buildings.
• Seal cracks and spaces around doors, windows, roof lines,
and fascia boards and other areas where vertical surfaces
meet horizontal ones.
• Also check for gaps and cracks where different materials
meet, such as brick and wood siding. Seal cracks with
caulk, such as silicone, elastomeric latex, or silicone/
acrylic.
• For stone or brick veneer, the bottom of the walls will
have ‘weep holes’ and these must not be sealed up. In-
stead, visit a local hardware store and request ventilation
plugs that can be installed in these weep holes.
For homes constructed of vinyl siding
• Unfortunately, houses with vinyl siding provide too many
gaps to effectively exclude these insects. These houses are
designed for aesthetics, durability, and energy efficiency.
Relative to excluding insects, the benefit of these houses
is that they are often effectively sealed with a ‘house wrap’
placed underneath the siding.
• For these types of houses, concentrate on the recommen-
dations provided for all houses and use an insecticide
on areas where these bugs have congregated in the past.
In our experience, large numbers collecting around the
doors and other entryways are often the most prevalent
means of entry during the fall.
****Lastly, remember box elder bugs are
not able to survive more than a few days
indoors and are essentially harmless. ***
38 Harmening Housing June/July 2008 www.harmeninghousing.com
five ways to increase a home’s value
HARMENING
HOUSING LLC
7180 Excelsior Rd.
Baxter, MN 56425
Good home maintenance is key to creating and preserving a home’s
(218-454-0272
value. Not to mention, it also impresses potential buyers.
AD PROOF
Here are five basic steps that every homeowner ought to take
before spending money on dream bathrooms or gourmet kitchens.
1. Safety.
Make sure smoke detectors and
carbon monoxide detectors are
installed and in good working order.
Check fuel-burning appliances to
make sure they are properly vented
and no gas connections leak. Make
sure the electrical system is adequate.
Flickering lights and popping breakers
are the sign of a problem. Anchor
handrails and grab bars adequately.
2. Preventive maintenance.
Repair any leaks in the roof, seal gaps
in the siding, paint bare wood, replace
damaged decking, patch cracks in
concrete, and caulk around tubs and
showers.
3. Conserve energy.
Install a programmable thermostat,
weather strip doors and windows, fix
leaking faucets, upgrade insulation,
and replace leaky windows.
4. Go green.
Consider environmentally friendly
materials for windows, doors, siding,
decking, fencing, roofing, flooring,
and insulation.
FRANK & MARGIE BURGSTALER
5. Improve comfort.
Get rid of clutter, open up spaces, P.O. Box 246
SHUTTERS
update window treatments to allow WOODBLINDS Brainerd, MN 56401
in more light, and organize closets DRAPERIES &
and storage. MORE www.budgetblinds.com
218-855-1162
An Independently Owned and Operated Franchise
www.harmeninghousing.com June/July 2008 Harmening Housing 39
Thanks for your business! Please check proof and l
getting the lawn ready for spring Tina caruso
TRIMMING
•Chances are, since it was cold
this winter, you haven’t had the
opportunity to walk around your lawn
and work on the trees and shrubs that
have overgrown or been damaged.
Take this opportunity to trim back
tree limbs that have been damaged
from storms or snow. The damaged
branches should be trimmed fairly
close to the base of the tree. Also, trim
down the shrubs or bushes so they
look neatly groomed and manicured.
This is when your yard will start
to take shape again for the spring.
AERATING
•Winter is extremely hard on your
lawn. The soil hasn’t had a chance
The spring season is the best WEEDING to breathe and get water down
time to start sprucing up •By weeding your lawn in the into the roots. Start by aerating
your lawn, especially if you’re spring, you’re not allowing the your lawn so that it loosens up the
thinking about selling your weeds to produce thousands of soil, and then spread a little moss
home. You can take pride seeds. Buy a weed killer to get rid with a rake. Aeration allows greater
in having a well manicured of the weeds before they crop up movement of water, fertilizer, and
on your lawn. Weed killers make air and stimulates healthy grass.
lawn because it will be the
the process much easier than the Do this when your yard is wet.
first impression that people
old days of getting on your knees
get of your home. Now FERTILIZING
and pulling them out one at a time.
that the weather is getting •Walk around and see where you have
warmer, there are many bare spots that you need to reseed. If
things you can do to get your RAKING you’re not completely sure what kind
•It’s important to rake out the dried of grass you have, dig up a sample
lawn ready. It is time to get grass and weeds that has taken up
out your lawn mower and get and take it to the nearest nursery
residence with the live grass. If you’re
to work. Here are some quick or even ask a gardener in the area.
planning on seeding your lawn then
During this soil test you’ll learn if you
and easy tips to make your this is absolutely necessary to ensure
need any other materials to help get
lawn look great. that the seeds will take root in the
your lawn ready. Start the fertilizing
soil. If you still have leaves sitting
on your lawn from a late Fall, then process so that your grass with grow
this is a good time to get them up. well during the spring season. As
mentioned earlier, reseeding will
produce a thicker strand.
40 Harmening Housing June/July 2008 www.harmeninghousing.com
poll: most say it’s a good buyers market
the associated press, alan fram (04/14/08)
“Now is a good time to • 60 percent say they will delay Gus Faucher, director of macroe-
buy”, say 59 percent of those buying a home for two years. conomics for Moody’s Economy.
com, a consulting firm, said his
surveyed in an Associated • 11 percent are certain or very likely
company believes home sales are at
Press-AOL Money & Finance to buy soon.
or near bottom, but home values will
poll. • 40 percent believe housing prices continue to fall until early next year.
will rise soon
But long-term confidence in Even so, he said, many people bought
• 35 percent think the prices of their homes before the run-up in
AD PROOF
the housing market doesn’t
homes in their neighborhood are values that started around 2001, so
keep some homeowners from about right they’re still in good shape. Unless the
having concerns about the homeowner must sell now or can’t
current situation. • 50 percent of homeowners in afford the payments, the current
the Northeast say houses are still downturn “doesn’t have that much of
• 67 percent think it is harder for overpriced, an impact,” he said.
first-time homebuyers than it was
• 10 percent of those in the Midwest
five years ago.
think homes are underpriced.
AD PROOF Justin Rudolph
Fully Insured
Specializing in Commercial
and Residential Properties
Spring and Fall Clean-Up
Mowing, Trimming, and Landscaping
Cell: 218.831.3435
Fax: 218.833.1114
landwerx@yahoo.com
www.harmeninghousing.com June/July 2008 Harmening Housing 41
r your business! Please check proof and let us
title insurance
stewart title guaranty company
Other types of lender coverage. You may even split
insurance that protect settlement costs with the seller for the
your home focus on lender or owner’s policy.
possible future events
and charge an annual What Your Premium Covers:
premium. On the other An important part of title insurance
hand, title insurance protects is its emphasis on risk elimination
Why against loss from hazards and defects before insuring. This gives you, as the
Title that already exist in the title and is policyholder, the best possible chance
Insurance: purchased with a one-time premium for avoiding title claim and loss.
A home is usually the largest single that is generally collected at the time
investment any of us will ever make. of closing. Title insuring begins with a search of
When you purchase a home, you will public land records affecting the real
purchase several types of insurance Types of Title Insurance: estate concerned. An examination
coverage to protect your home and There are two basic kinds of title is conducted by the title agent or
personal property. Homeowners’ or insurance: attorney on behalf of its underwriter
hazard insurance protects against to determine whether the property
loss from fire, theft, or wind damage. •Lender or mortgage protection is insurable. The examination of
Flood insurance protects against •Owner’s coverage evidence from a search is intended to
rising water. And a unique coverage fully report all “material objections”
known as title insurance protects Most lenders require mortgagee to the title. Frequently, documents
against hidden title hazards that may title insurance as security for their that don’t clearly transfer title are
threaten your financial investment in investment in real estate, just as found in the “chain,” or history
your home. they may call for fire insurance and that is assembled from the records
other types of coverage as investor in a search. Here are some examples
Protecting Your Largest protection. When title insurance is of documents that can present
Investment: provided, lenders are willing to make concerns:
Title Insurance is not as well mortgage money available in distant
understood as other types of home locales where they know little about •Deeds, wills and trusts that contain
insurance, but it is just as important. the market. improper wording or incorrect
As a homebuyer, it is important to names.
understand that when you purchase Owner’s title insurance lasts as long
your home, you are not buying the as you, the policyholder– or your •Outstanding mortgages and
building or the land, but rather you heirs– have an interest in the insured judgments, or a lien against the
are buying the title to the property. property. This may even be after you property because the seller has not
This allows you to occupy and use the have sold the property. paid his / her taxes.
land. The title may be limited by rights
and claims asserted by others, which Depending on local practices and •Easements that allow construction
may limit your use and enjoyment of state law where the property is located, of a road or utility line.
the property and even bring financial you may pay an additional premium
loss. Title insurance protects against for an owner’s policy or you may pay •Pending legal action against
these types of hazards. a simultaneous issue charge– usually the property that could affect a
a smaller amount– for the separate purchaser.
42 Harmening Housing June/July 2008 www.harmeninghousing.com
title insurance
stewart title guaranty
renting
United Feature Syndicate, Lew
company Sichelman (03/16/08)
•Incorrect notary acknowledgements If a house doesn’t sell, owners should
Through the search and the
examination, title problems are consider renting – and hiring a real
disclosed so they can be corrected
estate professional to manage the
whenever possible. However, even
the most careful preventative work property, experts say.
cannot locate al the hidden title
hazards.
“Renting out a house rather than leaving
Hidden Title Hazards: it vacant is almost always a better option,”
In spite of all the expertise and
says Eileen Landau, an associate with Realty
dedication that go into a title search
Executives in Naperville, Ill. She tells her
and examination, hidden hazards
can emerge after closing, resulting in clients to plan to rent the property for
unpleasant and costly surprises. Some several years, get some income and “get on
examples of hazards include: with your lives.”
•A forged signature on the deed,
which would mean no transfer ofSome are afraid they’ll lose a tax-free sale. But sellers only have to live in
ownership to you. a home for two of the last five years to claim the capital-gains exclusion,
•An unknown heir of a previous so even if that is an issue, sellers have three years to rent, Landau adds.
owner who is claiming ownership of
the property.
Once a home is rented, any fix-up costs are tax deductible, points out
•Instruments executed under an Rob Massey of Rentals.com.
expired or a fabricated power of
attorney.
An empty house is hard to insure and it’s a target for vandals. “A vacant
•Mistakes in the public records.
house goes downhill fast,” says Karen Rhodes, an associate with Happy
Title Insurance offers financial Home Realty in Chattanooga, Tennessee.
protection against these and other
covered title hazards. The title insurer
will pay for defending against an
attack on title as insured, and will
either perfect the title or pay valid
claims- all for a one-time charge at For All Your Moving Needs!
closing.
Your home is your most important
investment. Before you go to closing,
ask about your title insurance
protection, and be sure to protect
your home with an owner’s title
insurance policy.
www.harmeninghousing.com June/July 2008 Harmening Housing 43
home inspection should
what your
cover and what should be looked at
Insulation: Water Heater:
Condition, adequate rating for Age, size adequate for house, speed
climate (the higher the R value, the of recovery, energy rating.
more effective the insulation is).
Furnace/Air
Doors and Windows: Conditioning:
Loose or tight fits, condition Age, energy rating furnaces are rated
of locks, condition of weather by annual fuel utilization efficiency;
stripping. the higher the rating, the lower your
fuel costs. However, other factors
such as payback period and other
Roof: operating costs, such as electricity to
Age, conditions of flashing, pooling operate motors.
water, buckled shingles or loose
gutters and downspouts.
Garage:
Exterior in good repair; condition of
Ceilings, Walls, and floor—cracks, stains, etc.; condition
Moldings: of door mechanism.
Loose pieces, drywall that is pulling
away.
Basement:
Water leakage, musty smell.
Porch/Deck:
Loose railings or step, rot.
Attic:
Adequate ventilation, water leaks
Siding: from roof.
Cracks, dents, or buckling.
Septic Tanks (if
Foundations: applicable):
Cracks or water damage. Adequate absorption field capacity
for the percolation rate in your area
and the size of your family.
Exterior Brick:
Cracked bricks or mortar pulling
away from bricks. Driveways/Sidewalks:
Cracks, heaving pavement,
crumbling near edges, stains.
Electrical:
Condition of fuse box/circuit
breakers, number of outlets in each
room.
Plumbing:
Poor water pressure, banging pipes,
rust spots or corrosion that indicate
leaks, sufficient insulation.
44 Harmening Housing June/July 2008 www.harmeninghousing.com
harmening housing
Harmening Housing
Allows You To:
•Market your home For Sale by Owner or For Rent
throughout our greater Minnesota Distribution Route.
•Ask your realtor to go the extra mile and advertise
your home with Harmening Housing to gain
maximum exposure for your property listing.
•Promote your business or service with the most
reasonable advertising rates in the area.
•Allows your business / property
listing to be viewed online.
•Call for a free yard sign (218) 454-0272.
www.harmeninghousing.com June/July 2008 Harmening Housing 45
renter’s insurance
What is Renter’s Insurance? How Am I Compe-
For those who chose to rent, renter’s nsated When Property
insurance covers damages or loss to Needs to be Replaced?
your personal property. Regardless if •Actual Cash Value:
you chose to rent from a homeowner, a This type of coverage
property manager, or a university, it is pays an amount equal
always a good idea to purchase renter’s to the current cost to
insurance. replace your items minus
the depreciated value.
The Importance of Renter’s
Insurance: •Replacement Cost
When renting, the landlord will Coverage:
insure the physical apartment building This type of coverage
against damages caused from fire, hail, pays you the amount and you may be able to save money by
and vandalism. It is important to it would cost to replace your lost or purchasing renters insurance through
understand that their insurance policy damaged property. You only receive the the same company.
does not cover your personal belongings money upon replacing the damaged
as a tenant. When damage does occur items. Usually, there is a limit on how •Medical Payments to Guests: Some
to your personal items, you can not much money you receive, and the policies cover medical bills up to a
expect the landlord to reimburse you premiums are generally higher. limit of anyone, except you or anyone
for your losses. This is another reason else who lives in the apartment, who is
why it is critical to purchase renter’s •Deductibles: This is the dollar amount injured in your apartment.
insurance. Renter’s insurance can also you pay for the lost or damaged goods,
protect against liability lawsuits or before the insurance company would •Increase in Living Expenses: If
medical bills of guests injured in your begin reimbursing. Typically, the your living expenses increase because
apartment. As a renter, your landlord higher the deductible, the cheaper your you must live elsewhere due to a loss,
may require you to purchase insurance, policy will cost. some policies will cover you up to a
which would be stipulated in your lease predetermined limit.
or in your lease rider. Roommates & Policies:
Depending on the policy, roommates •Lost Property While Traveling:
What Does Renter’s Insurance are sometimes covered under your Some renter’s insurance policies cover
Cover? policy. Some insurance companies your lost property even when you are
There are many different types of offer one policy that covers multiple traveling.
loss that your insurance will cover, people. Others require each person to
•Premium Policy Add-Ons: If you
however it depends on the insurance have an individual policy. If you have
are willing to pay a higher premium,
company. Many providers will offer roommates, this will be an important
you can buy additional protection.
many different types of coverage at question to ask your insurance
The add-ons differ with each insurance
different costs. It is for that reason it provider.
company, so it is important to ask
is important to “shop around” when
your provider. Typical add-ons may
finding a carrier. For example, some Policy Discounts:
include:
carriers do not provide flood coverage, Some insurance providers offer
so it would be critical for you to find a discounts to individuals who already ~Property damage due to floods or
insurance provider who will insure you have their auto insurance through earthquakes
if you live in a flood zone. the company. Check if your auto ~Damaged wedding or engagement
insurance provider has such discounts presents
46 Harmening Housing June/July 2008 www.harmeninghousing.com
for sale by owner: a checklist
CURB APPEAL f Remove electric plates, clean and replace f Buy a set of new, color coordinated bath linens
– Property seen from the street: f Refinish, clean, wax hardwood and vinyl floors
f Healthy, weed-free, neatly cut, trimmed lawn f Shampoo carpeting Laundry
f Shrubs trimmed neatly f Check operation of appliances and clean them
f Trees, shrubs trimmed to not touch the house Bedrooms f Clean, organize laundry area, remove clothes
f Sealed black-top driveway f Repaint, repaper, touch up walls, trim, ceiling f Provide adequate (bright) light to area
f Weed-free driveway, front walk, shrub areas f Replace or clean drapes, bedspread, accessories
f Toys, garden tools, clutter removed from yard f Shampoo carpet or clean, polish floors General
f Organize, clean out, neaten all closets f Remove clutter, papers, unnecessary items
House Exterior f Clear off top surfaces of all bedroom furniture f Replace burned-out bulbs throughout the house
- Front view from the street f Put all clothing away, out-of-sight f Remove cobwebs from ceilings, corners
f Recently painted siding f Organize, make neat basement and attic storage f Remove paint splash on tile, floor, cabinets
f Recently painted, touched-up trim f Wash, polish all door hardware, handrails
f Repair, repaint fences, gates Kitchen f Reorganize, clean out all closets
f Clean, align gutters, downspouts f Paint walls, ceiling, trim white or light color f Replace switches, outlets that don’t work
f Wash, align shutters f Wallpaper with small pattern and light colors f Add colorful plants, flowers to several rooms
f Wash all windows, storms, screens f Remove wax, scrub, re-polish floors f Replace or rejuvenate pillows, accessories
f Wash, wipe down, wax cabinets/appliances f Clean out, sweep, organize garage
Front Door Entrance f Thoroughly clean range, ovens
- Exterior f Clean out refrigerator and wash interior
f Clean, wash, scrub front steps, porch as needed f Empty dishwasher, clean around controls
f Check front doorbell and bell light f Check operation of all appliances
f Replace welcome mat f Neatly arrange and clean food storage areas
f Paint or wash storm door, lubricate hinges f Reorganize and clean out cabinets and drawers
f Polish brass door lockset and brass hinges f Clear all clutter from counter tops
f Clean and wash front door tread f Check to see that all drawers/doors open easily
f Wash or replace curtains
Front Door Entrance f Clean or put away pet feeding, watering dishes
- Interior
f Clean interior entry area or foyer of all clutter Baths
f Reduce volume, clutter in the front hall closet f Paint or wallpaper using light colors
f Clean and polish the front entry floor f Scrub tile, bleach, repair grout
f Wash, polish and replace bulbs in light fixture f Check to see that the drawers/doors open easily
f Remove fingerprints, scuff marks on trim, walls f Clean, polish floor as appropriate
f Paint to lighten and refresh entrance area f Clean out medicine cabinet, wash inside and out
f Seal around tubs and showers
Living-Family-Dining Rooms f Check for evidence of water at toilet base
f Repaint or touch up walls, ceiling and trim f Replace old toilet seats
f Repair or replace damaged molding, trim f Replace shower/window curtains
www.harmeninghousing.com June/July 2008 Harmening Housing 47
how do you keep a floor looking new?
So whether you have pets, children, or Water Stains Cleaning Carpets
just natural wear and tear; keeping your - Rub the spot with No. 2 steel wool and - To clean dry spots, loosen soil and
floors looking new is a challenge. re-wax. For more serious water stains, vacuum away prior to moistening it.
lightly sand with fine sandpaper, clean
- When taking out stains, always use a
Here are some helpful hints to keep your the spot with No. 1 or 00 steel wool
white cloth.
floors looking brand new. and mineral spirits or floor cleaner
then refinish and wax. - Wax dropped on carpet or upholstery?
Wood Floors Set a clean, absorbent cloth over the
Cigarette Burns
- Floor cleaner is a solution of 1/2 cup wax stain and hold a hot iron on it.
- If not severe, the burn can be removed
of white vinegar in 1 gallon of warm Then remove the cloth.
by rubbing with steel wool moistened
water. It is safer to mist the mop with - Coat mildly greasy stains with aerosol
with soap and water.
the cleaner than to apply to floor. Do a shaving cream, use a hair dryer to
section at a time and throw an old towel Heel and Caster Marks
speed dry. Then vacuum.
on the floor and scoot back and forth - Rub vigorously with fine steel wool and
with foot to dry and prevent streaks. floor cleaner. Wipe dry and polish. - Sprinkle a greasy stain with baking
Standing liquid from mopping, spills, soda, cornstarch or talcum powder.
Ink Stains and Other Dark Spots
and pet accidents can damage floors. Leave on at least 8 hours, then
- Use No. 2 steel wool and floor cleaner
vacuum.
- The greatest damage done to wood to clean the spot and surrounding
floors is from grit. Mats at doors area. Thoroughly wash the affected
Marble
are necessary to collect grit and area. If the spot remains, sand with
“MARBLE IS TRICKY, USE AT
it’s important to keep these clean. fine sandpaper, re-wax and polish.
YOUR OWN RISK”
Frequent dust mopping in high Stubborn stains may require that you
traffic areas to collect grit is the best replace the affected area. - For heavier stains on marble, take
prevention. This should be done based three or four cakes of Ivory soap, cut
Chewing Gum and Wax Deposits
on the amount of traffic, which may them up and dissolve in hot water
- Ice until the deposit is brittle and
require dust mopping several times a until you have a “slurry.” Paint this on
crumbles off. Pour floor cleaner around
day in an active household. The brush the marble and let it sit for five days
the stain so the fluid soaks under and
attachment of a vacuum can be used or so. If the gunk starts to dry during
loosens it.
(no beater bars). Felt and furniture that time, wet it down. At the end of
protectors should be installed on Alcohol Spots the period, wash it all off.
furniture. Never scoot furniture on - Rub the spot with liquid or paste wax
- To remove lighter stains, sprinkle salt
wood. Vinyl Floors on a fresh cut lemon. Rub very lightly
- Put a piece of waxed paper under your - Sweep then damp mop using a gallon over stain. Do not rub hard or you
dust mop. Dirt will stick to the mop of water and a dash of dishwashing will ruin the polished surface. Wash
and the wax will shine your floors. detergent. off soap and water.
- Use a paper bag over spilled candle - No-wax floors eventually need waxing,
wax then lightly iron this will help to prevent further
deterioration.
48 Harmening Housing June/July 2008 www.harmeninghousing.com
cleaning with
white vinegar
http://www.vinegartips.com
White distilled vinegar and rinse clean.
5. Wash indoor/outdoor carpet with
is a popular household a solution of 1 cup white distilled
cleanser, effective for vinegar in 1 bucket of warm water.
killing most mold, bac- Scrub using a brush or a broom and Common First-
then hose off.
teria, and germs, due Time Homebuyer
to its level of acidity. 6. Create your own window cleaning Mistakes
Cleaning with white solution by combining 1/2 cup non-
Real Estate Checklists and Systems,
sudsy ammonia, 1 cup white distilled
distilled vinegar is a smart vinegar, and 2 tablespoons cornstarch
www.realestatechecklists.com.
way to avoid using harsh in a gallon of water.
chemicals. You’ll also be 1. They don’t ask enough
glad to know that it is 7. Clean up pet accidents by first questions of their lender
blotting up the area and then adding and end up missing out
environmentally friendly a white distilled vinegar-and-water
on the best deal.
and very economical. solution. Blot until it is almost dry.
Then sprinkle baking soda over the
1. Clean the microwave by mixing area and let it dry. Vacuum up the 2. They don’t act quickly
1/2 cup white distilled vinegar and residue the next day. enough to make a
1/2 cup water in a microwave-safe decision and someone
bowl. Bring it to a rolling boil inside 8. To remove paint from windows try
the microwave. Baked-on food will using undiluted, hot white distilled
else buys the house.
be loosened, and odors will disappear. vinegar. Give the solution time to
Wipe clean. soften the paint before removing with 3. They don’t find the
a razor edge tool.
right agent who’s willing
2. For cloudy glassware, soak paper
towels or a cloth in full-strength white 9. Remove wallpaper easily by using
to help them through the
distilled vinegar and wrap around the a paint roller to wet the surface very home buying process.
inside and outside of the glass. Let sit thoroughly with a solution of equal
awhile before rinsing clean. parts white distilled vinegar and hot
water. Or spray on until saturated.
4. They don’t do enough
3. Discourage ants by spraying
to make their offer look
undiluted white distilled vinegar 10. Remove white water rings from appealing to a seller.
outside doorways and windowsills, wood with a solution of equal parts
around appliances and wherever you white distilled vinegar and vegetable 5. They don’t think about
find the pests coming in. oil. Rub with the grain.
resale before they buy.
4. To remove a label, decal, or price 11. Clean hardened paint brushes by The average first-time
tag, cover with a cloth soaked in white simmering them in a pot with white buyer only stays in a
distilled vinegar. Leave the cloth on distilled vinegar. Soak them first for
an hour before bringing the white
home for four years.
overnight and the label should slide
off. distilled vinegar to a simmer. Drain
www.harmeninghousing.com June/July 2008 Harmening Housing 49
budget basics worksheet
Income +
Take Home Pay (all family members) $
Child Support / Alimony $
Pension / Social Security $
Disability / Other Insurance $
Interest / Dividends $
Other $
Total Income $
Expenses -
Rent / Mortgage (include taxes, principal, and insurance) $
Life Insurance $
Health / Disability Insurance $
Vehicle Insurance $
Homeowner’s or Other Insurance $
Car Payments $
Other Loan Payments $
Savings / Pension Contribution $
Utilities (gas, water, electric, phone) $
Credit Card Payments $
Car Up-Keep (gas, maintenance, etc.) $
Clothing $
Personal Care Products (shampoo, cologne, etc.) $
Groceries $
Food Outside the Home (restaurant meals and carry out) $
Medical / Dental / Prescriptions $
Household Goods (hardware, lawn and garden) $
Recreation / Entertainment $
Child Care $
Education (continuing education, classes, etc.) $
Charitable Donations $
Miscellaneous $
Total Expenses $
Remaining Income After Expenses $
(Subtract Total Income from Total Expenses)
50 Harmening Housing June/July 2008 www.harmeninghousing.com
six creative ways to afford
a dream home
1. Investigate local, state, and 3. Consider a shared-appreciation 4. Ask your family for help.
national down payment or shared-equity arrangement. Perhaps a family member will
assistance programs. Under this arrangement, your loan you money for the down
These programs give qualified family, friends, or even a third- payment or act as a co-signer for
applicants loans or grants to cover party may buy a portion of the mortgage. Lenders often like
all or part of your required d own the home and share in any to have a co-signer if you have
payment. appreciation when the home is little credit history.
•Nehemiah program: sold. The owner/occupant usually
www.getdownpayment.com pays the mortgage, property taxes, 5. Lease with the option to buy.
•Department of Housing and and maintenance costs, but all the Renting the home for a year or
Urban Development: investors’ names are usually on more will give you the chance
www.hud.gov. the mortgage. Companies are to save more toward your down
available that can help you find payment. In many cases, owners
2. Explore seller financing. such an investor, if your family will apply some of the rental
In some cases, sellers may be can’t participate. amount toward the purchase
willing to finance all or part of the price. You usually have to pay a
purchase price of the home and let small, nonrefundable option fee
you repay them gradually, just as to the owner.
you would do with a mortgage.
6. Consider a short-term second
mortgage.
If you can qualify for a short-term
second mortgage, this would give
you money to make a larger down
payment. This may be possible if
you’re in good financial standing,
with a strong income and little
other debt.
dream
www.harmeninghousing.com June/July 2008 Harmening Housing 51
flea market know-how
What to Bring
• Tape measure
• Magnifying glass
3 Places to Find
• Flashlight
Money for a Down
Payment • Illustrated guidebooks with
Buyers who don’t have a 20 percent manufacturer’s marks and prices,
down payment are finding it harder such as The Garage Sale & Flea
and harder to buy a home. Here are Market Annual
some sources of money that are still
available and the pluses and minuses • Lunch and snacks
of using them.
Borrowing from a 401(k). Only some • Cash (personal checks and credit
companies allow this. The maximum cards are usually not accepted)
a plan of action if you ever want to
available is $50,000 ($100,00 if both
achieve the highly coveted “I Brake
spouses have 401(k)s) and the loan
must be repaid within five years.
What to Wear for Flea Markets” bumper sticker.
Failure to do so and the loan will
be considered a withdrawal, leaving • Old clothes, and bring a pair of
gloves
the borrower liable for penalties and How to Haggle
federal income tax.
• Limited jewelry. Displays of
The question, “Will you take $X for
Withdrawing up to $10,000 from an wealth discourage bargaining.
this?” is acceptable at garage sales, but
IRA for a purchase of a first home.
the amount must be reasonable.
Spouses who both have IRAs can • A money belt or hip pack to
withdrawal a total of $20,000. A keep keys and cash safe, and a
potential borrower who hasn’t owned In all situations, from flea markets to
backpack to keep your hands
a home in the past three years is big-city antiques shows, simply ask
free.
considered a “first-time buyer” for the dealer, “Is this your best price?”
this specific purpose and can make a Neither buyer nor seller should be
withdrawal. Federal taxes must be paid embarrassed, and 75 percent of the
on the withdrawal at the borrower’s If you are already an antiquing pro
time you can, in fact, get a better
current marginal tax rate. and regularly schedule vacations,
buy.
work, and even surgery around flea
A gift. If buyers are comfortable asking markets and auctions, then this listing
“Firm” on the ticket means the dealer
for money, their parents, friends, and will just confirm what you already
must have that amount.
relatives can give a gift toward the know to be the best collectibles hot
down payment. But for the lender to spots countrywide-and abroad.
approve it, the giver must sign a gift Multi-item purchases may bring a
letter stating that the money doesn’t better price for the entire lot.
For novices, This information will
need to be repaid.
serve as a handy agenda as well as
52 Harmening Housing June/July 2008 www.harmeninghousing.com
best trees & shrubs
Better Homes and Gardens, Monrovia, www.monrovia.com,
Greenleaf Nursery, www.greenleafnursery.com
Red Filli Crape Myrtle Coral Filli Crape Myrtle Firegold Spiraea
Bred in Nebraska, this crape myrtle Like its sister, ‘Red Filli’, this crape Enjoy this bridalwreath spiraea
offers new hope to Northern (and myrtle boasts outstanding hardiness through the seasons. In spring it
small-space) gardeners. It bears bright withstanding temperatures about bears fragrant clusters of creamy-
red flowers from midsummer to frost. 30 degrees colder than most other white flowers. But the real attraction
For added interest, the foliage turns crape myrtles. It blooms its head off is the foliage, which starts soft yellow
purplish in fall. with bright coral-pink flowers from in spring, fades to lemon-lime in
midsummer to frost. And the foliage summer, and turns yellow-orange in
Name: Lagerstroemia ‘Red Filli’ turns purplish in fall. fall.
Growing Conditions: Full sun and Name: Lagerstroemia ‘Coral Filli’ Name: Spiraea ‘Firegold’
moist, well-drained soil
Growing Conditions: Full sun and Growing Conditions: Full sun or part
Size: To 18 inches tall and wide moist, well-drained soil shade and moist, well-drained soil
Zone: 4-9 Size: To 18 inches tall and wide Size: To 6 feet tall and 7 feet wide
Grow it for: It’s a red-flowering crape Zone: 4-9 Zone: 4-8
myrtle for the North
Grow it for: It’s hardiness, small size, Grow it for: Its season-long, eye-
and long bloom season. catching golden foliage
www.harmeninghousing.com June/July 2008 Harmening Housing 53
best trees & shrubs
Better Homes and Gardens, Monrovia, www.monrovia.com,
Greenleaf Nursery, www.greenleafnursery.com
Bambino Baby Alyssa Forever & Ever Peppermint Frosty Pearl Euonymus
Bougainvillea Hydrangea
This great plant looks good all year A beautiful new variety bred in Japan, This plant is a knockout! The ever-
thanks to its beautifully variegated this hydrangea offers pink or blue green foliage is broadly edged in
foliage. The white flowers appear flowers with a deeper brushstroke bright, creamy white so it looks good
throughout the summer and make a down each petal creating a distinct all year long. The interest grows in
great accent, too. It’s a treat even if bicolor effect. Plus, it blooms from summer and fall when the white fruits
you don’t live in Zone 10; grow it as midsummer to frost. turn to pink, then red, and open to
an annual or bring it indoors for the show their orange seeds, which persist
winter. Name: Hydrangea macrophylla even through the snow.
‘Forever & Ever Peppermint’
Name: Bougainvillea ‘Bambino Baby Name: Euonymus fortunei ‘Frosty
Alyssa’ Growing Conditions: Part shade and Pearl’
moist, well-drained soil
Growing Conditions: Full sun and Growing Conditions: Part to full
well-drained soil Size: To 3 feet tall and wide shade and moist, well-drained soil
Size: To 4 feet tall and wide Zone: 5-8 Size: To 5 feet tall and 2 feet wide as
a vine
Zone: 10 Grow it for: The reblooming, pink-
striped flowers that are perfect for Zones: 4-8
Grow it for: Its long bloom season, shady gardens
colorful foliage, and small size Grow it for: It’s a plant with four-
season interest
54 Harmening Housing June/July 2008 www.harmeninghousing.com
best trees & shrubs
Better Homes and Gardens, Monrovia, www.monrovia.com,
Greenleaf Nursery, www.greenleafnursery.com
Ghost Weigela Cabernet Barberry Bangle Genista
There are a lot of reasons to grow This beautiful barberry offers small Create a bang in early spring with
weigela: They’re deer resistant, have a foliage in shades of burgundy and ‘Bangle’. This new plant bears loads
long bloom season, and in the case of deep purple on tidy, compact mounds of bright yellow flowers at the start
‘Ghost’, offer great-looking foliage. to 3 feet wide. Because of its dense, of the season and has a nice and low
Its foliage emerges green and fades compact form, you won’t have to mounding habit.
to an intriguing shade of creamy spend too much time dodging the
yellow. The dark red blooms appear spines to prune it every year. Name: Genista lydia ‘Bangle’
in summer.
Name: Berberis ‘Cabernet’ Growing Conditions: Full sun and
Name: Weigela florida ‘Ghost’ moist, well-drained soil
Growing Conditions: Full sun and
Growing Conditions: Full sun and well-drained soil Size: To 2 feet tall and wide
moist, well-drained soil
Size: To 2 feet tall and 3 feet wide Zone: 4-9
Size: To 6 feet tall and 5 feet wide
Zone: 4-7 Grow it for: Its small size works
Zone: Zones 4-8 everywhere (even containers) and it’s
Grow it for: Its small size, dark foliage, deer resistant
Grow it for: Its pretty dark red and deer resistance
flowers, variegated foliage, and deer
resistance
www.harmeninghousing.com June/July 2008 Harmening Housing 55
best trees & shrubs
Better Homes and Gardens, Monrovia, www.monrovia.com,
Greenleaf Nursery, www.greenleafnursery.com
Eyecatcher Weigela Burgundy Hearts Redbud Forever & Ever Blue Heaven
Hydrangea
We’re not sure what’s prettier on We were excited to try this new This hydrangea is a knockout with
this plant -- the springtime dark red redbud, which offers deep red- foot-wide clusters of blooms from
flowers or the green foliage with bold, purple, heart-shape foliage that keeps midsummer to frost. The dark green
eye-catching edges that looks good its color all the way through fall. In foliage makes a great contrast to the
every day from spring to fall. Its small spring it bears beautiful lavender- blue or pink flowers (the floral color
size makes it perfect for container pink flowers. varies based on your soil pH).
gardens, too.
Name: Cercis canadensis ‘Burgundy Name: Hydrangea Macrophylla
Name: Weigela florida ‘Eyecatcher’ Hearts’ ‘Forever & Ever Blue Heaven’
Growing Conditions: Part shade and Growing Conditions: Full sun or Growing Conditions: Part shade and
moist, well-drained soil part shade and moist, well-drained moist, well-drained soil
soil
Size: To 2 feet fall and wide Size: To 4 feet tall and 3 feet wide
Size: To 25 feet tall and 35 feet wide
Zone: 4-8 Zone: 5-9
Zone: 5-9
Grow it for: Its small size, Grow it for: Its big flowers and
attractively variegated foliage, and Grow it for: Its lush, deep-purple ability to rebloom all summer
deer foliage that looks great all season
resistance long
56 Harmening Housing June/July 2008 www.harmeninghousing.com
best trees & shrubs
Better Homes and Gardens, Monrovia, www.monrovia.com,
Greenleaf Nursery, www.greenleafnursery.com
Creating a
Neighborhood
Association
Charlotte Observer, Martha Catt (03/30/08)
An effective neighborhood
association can turn a not-so-
attractive community into a
Ever Red Loropetalum Baby Gem Boxwood
place where buyers want to
A treat for gardeners in the South, This fantastic new boxwood offers live. Here are some basic facts
‘Ever Red’ offers deep red flowers in dense, deep green foliage that holds you should know if you’d like
late winter and early spring, evergreen its color well through the winter. It to form one:
chocolate-burgundy foliage, and a also has a compact form that requires
dense, dwarf habit. little pruning. Neighborhood associations are
voluntary. They don’t have any
Name: Loropetalum ‘Ever Red’ Name: Buxus microphylla ‘Baby authority to mandate solutions,
Gem’ but they can work with
Growing Conditions: Full sun or part residents and city departments
shade and moist, well-drained soil Growing Conditions: Full sun or part
to identify problems and fix
shade and moist, well-drained soil
them.
Size: 6 feet tall and wide
Size: To 2 feet tall and wide
Zone: 7-9 A neighborhood association
Zone: 6-9 must first have a vision, then it
Grow it for: Its rich foliage and needs a leadership group that
beautiful red blooms Grow it for: Its rich winter color and can reach consensus (not an
dense habit easy goal).
The next step is to build
positive relationships with
its elected officials. Nothing
carries as much political
clout as a capacity crowd
of registered voters at a
neighborhood meeting around
election time.
www.harmeninghousing.com June/July 2008 Harmening Housing 57
important information
requested by your lender
• Copies of pay stubs for every months, as well as a list of any
person signing the loan. other major assets of value (e.g.,
a boat, RV, stocks or bonds not
• W-2 forms or business tax return held in a brokerage account).
forms for the last two or three
years for every person signing the • Addresses where you have lived
loan. for the last five to seven years,
with names of landlords if
• Copies of two to four months of appropriate.
bank or credit union statements
for both checking and savings • Account numbers of any credit
accounts. cards and the amounts of any
outstanding balances.
• Copies of personal tax forms for
the last two to three years. • Copies of your most recent 401K
or other retirement account
• Documents that verify additional statements.
income, such as a pension or child
support • Lender, loan number, and am-
ount owed on other installment
• Copies of brokerage account loans, such as car loans and
statements for two to four student loans.
design tip of the month
“Chalk It Up”
Use chalkboard paint to create
a fun area to keep track
of appointments, messages,
or a daily menu.
58 Harmening Housing June/July 2008 www.harmeninghousing.com
spring deck prep tips
www.homeadditionplus.com
It’s finally spring! Time to move Deck Umbrellas
• Nothing is more uncomfortable for you guests
than to sit on a hot concrete patio without any
out the patio furniture and get ready shade available. A good quality patio umbrella
helps block the sun and provide shade to
offer a cooler environment in hot months.
to enjoy the great outdoors! Not only are umbrellas practical, but they
provide privacy and elegance to any outdoor
seating arrangement. Patio umbrellas are now
But, before you do, make sure you made with many unique features. Some beach
umbrellas are designed for maximum wind
clean, restore and protect your deck so Outdoor Patio Furniture resistance.
you can get the most out of it during It’s time again to spruce up the outdoors. When
the spring and summer months purchasing patio furniture there are several • There are several types of patio umbrellas to
important factors to consider that will determine choose from depending on your location. For
ahead. Here are some deck prep tips the type and the cost of patio furniture you typically patio or pool side seating, a good
from the experts at Wolman Wood choose. choice is an aluminum crank patio umbrella.
Care Products: They range in size from 7 to 10 feet and can be
• First, it is important to consider the cost. There ordered in a variety colors and patterns.
• Clean the deck thoroughly to remove embedded are so many options to choose from, ranging
dirt, fungus stains and gray surface wood with from very cost effective, to very high end • Beach seating requires a more heavy duty
a formulated deck cleaner like Wolman© furniture. An important option to consider is umbrella that can withstand the elements.
Deck & Fence Brightener. The weathered gray buying bulk. If you have a large outdoor patio, Beach umbrellas are typically made of fiberglass
wood left behind from last year’s sun exposure, buying in bulk will ensure across the board and are built to withstand high winds, bright
black or green stains from mildew, moss and coordination of your patio set. You will always sun, and salt air.
algae, or brown-black tannin bleed common have extra seating for entertaining, without
on new Cedar can ruin the look of your deck. having to pull out the old mismatch patio • Patio umbrellas are also available as part of a
Even newly built decks can require cleaning to chairs that get packed away in a shed. patio table set. These types are great for eating
remove invisible surface barriers like mill glaze or picnic areas. They can seat large groups of
on new Cedar or excess wax on pressure-treated • Second, determine the size of the area you people and are also stain resistant, so clean up
wood. plan to furnish. Are you just looking for a is easy.
small patio set, or do you want to furnish all
• These invisible barriers can prevent the adhesion 3 decks and the pool side area? Ordering in
of protective coatings, including colored stains bulk, you can have a variety of furniture that
and clear sealers. Wolman© Deck & Fence coordinates throughout your outdoor patio.
Brightener, removes surface barriers, gray Do you frequently entertain outdoors? If so,
wood surfaces and even the toughest of stains a large variety of outdoor patio furniture will
and restores the wood to its natural beauty ensure that your guests will be comfortable,
without bleaching or yellowing, like chlorine and notice your beautiful outdoor space.
bleach can.
www.harmeninghousing.com June/July 2008 Harmening Housing 59
harmening housing’s
feature announcement
We are excited to announce new financing
options now available through Harmening
Housing. This added benefit will eliminate
the stress associated with financing your next
home. We aim to meet your specific needs.
Available Programs:
• FHA Mortgages
• Second Mortgages
• 1st Time Homebuyer Mortgages
• Graduated Payment Mortgages
• Interest Rate Buy Down Mortgages
• Interest Only Loans
• Balloon Mortgages
• VA Loan Programs
• Adjustable Rate Mortgages
• Fixed Rate Mortgages
Contact Harmening Housing today
- there are a variety of programs to assist you
during the home buying process.
Phone: (218) 454-0271
60 Harmening Housing June/July 2008 www.harmeninghousing.com
area events & happenings
June 2008:
May 31 - June 7 June 7 June 17
Hawley Rodel Fest Week Frazee All-City Rummage & Crazy Daze Historic Presentation by Ray Nelson on Zebulon
(Itasca State Park) Information: Frazee Forum Pike (Crosslake Historical Society)
(218-334-3566)
June 1 - June 30 June 19
4th Annual Floral Show (Great River Arts June 7 - 8 Walker Crazy Days
Center, Downtown Little Falls) Quake the Lake Powerboat Races
Little Detroit Lake June 19 – 21
June 1– July 31 (11am-5pm Sat / 12pm-5pm Sun) Moondance Jammin Country Fest
Ainez Hayunga Exhibition (Little Falls Family Information: Ross (701-739-1947)
Medical Center) June 20 - August 15
June 10 Duck Races (Pine River Dam / Fridays)
June 1 Story Time at the Pine Grove Zoo (11am)1200
Sesquicentennial Open House West Broadway, Little Falls (Phone: 320-616- June 20 - June 22
(Itasca State Park) 5595) Little Falls Dam Festival (Maple Island, Mill
Island and LaBouget Park (Little Falls)
June 1 June 11 - August 20 Information: 320-616-4959
Charles A. Lindbergh Site Family Fun Day (Free Turtle Races (Nisswa / Wednesdays)
Open House 12pm-5pm) June 21
1620 Lindbergh Drive South, Little Falls (Phone: June 13 Pelican Lake Conservation Club Fishing Contest
320-616-5421) 35th Annual Golf Classic (Pelican Lake)
(Confidence Learning Center, Gull Lake)
June 1 June 21
Pine Grove Zoo Family Fund Day (Little Falls) June 13 - June 15 Crosslake Outdoor Music Series (6:30pm)
1200 West Broadway, Little Falls (Phone: 320- Pizza Masterz Golf Tournament
616-5595) (Detroit Lakes Country Club) June 26
Information: Tom Hanson (218-847-8932) Senior Citizen Day at the Pine Grove Zoo
June 5 (Little Falls)
Better with Age June 13 - June 15 Information: 320-616-5595
(Linden Hill, 6pm-8pm) White Earth Pow Wow
608 Highland Avenue, Little Falls Information: 218-983-3285 June 27 - June 29
Show & Go and Fireworks (Brainerd
June 6 - 7 June 14 International Raceway)
Hawley Rodeo Ideal Lions Club 19th Annual Fishing Contest
Information: Brandi Alm (Moonlite Bay, Crosslake) June 28
(218-937-5771) Charles A. Lindberg Living History Day
June 14 (10am-5pm)
June 6 – 7 Crosslake Outdoor Music Series (6:30pm) 1620 Lindbergh Drive South Little Falls
Nisswa Stamman Scandinavian Music Festival Information: 320-616-5421
June 14
June 7 Zoo Hullabaloo (Pine Grove Zoo, 10am-4pm) June 28
French Flea Market 1200 West Broadway, Little Falls (Phone: 320- Crosslake Outdoor Music Series (6:30pm)
(Location TBD, 8am-4pm) 616-5595)
Information: Susan Paulson June - August
(Phone: 320-632-2585) June 14 Scheer’s Lumberjack Shows (Pequot Lakes /
25th Annual Confidence Learning Center Tuesdays - Thursdays)
June 7 Fishing Classic (Gull Lake)
Crosslake Outdoor Music Series (6:30pm) June - October
June 15 Farmer’s Market
June 7 Father’s Day (Pequot Lakes / Saturday 10am - 6am)
Tour of Lakes Bike Ride
www.harmeninghousing.com June/July 2008 Harmening Housing 61
area events & happenings
July 2008:
July 1 - 31 July 8-9 July 17 – 20
Ainez Hayunga Exhibition Bean Hole Days & Arts and Crafts Fair (Pequot East Otter Tail County Fair (Perham)
(Little Falls Family Medical Center) Lakes)
July 19
July 1 - 31 July 9 - 12 Paul Bunyan Motorcycle Rally (Brainerd)
Eva Deli Exhibit (Great River Arts Center, Lumberjacks in Love (Pequot Lakes)
Downtown Little Falls) July 19
July 9 – 12 Crosslake Outdoor Music Series (6:30pm)
July 2 Aitkin County Fair
Battle of the Bands (Brainerd High School) July 19
4pm – 11pm July 9 – 12 Emily Days (Emily)
Moondance Jam “Sizzling 17”
July 3 July 23 - 26
Firemen’s Rodeo, Fireworks (Pequot Lakes) July TBA Morrison County Fair (Little Falls)
Hay Lake Fireworks
July 4 July 23 – 26
Stars and Stripes Days (Pequot Lakes / Breezy July 11 – 12 6th Annual 10K Lakes Festival (Soo Pass Ranch,
Point) Pelican Rapids Turkey Days Detroit Lakes)
Information: 218-863-1221
July 4 July 23 – 26
“American Celebration (Brainerd / 12pm) July 11 – 20 Becker County Fair (Detroit Lakes)
73rd Northwest Water Carnival (Detroit Lakes)
July 4 Information: Cara Frank (218-847-3041) July 24 - 25
Independence Day Neighborhood Picnic 19th Annual Tour of Log Homes (Crosslake)
(Aitkin) July 12
Charles A. Lindberg “The WPA Brought to Life, July 25 – 26
July 5 1936” (10am-5pm) Aitkin Crazy Days
Fireworks (Crosslake) 1620 Lindbergh Drive South Little Falls (Phone:
320-616-5421) July 26
July 5 22nd Annual Antique and Classic Wood Boat
Crosslake Flea Market (8am – 4pm) July 12 Show (Moonlite Bay, Crosslake)
Outreach Animal Presentation (Pine Grove Zoo,
July 5 Little Falls– 3pm) July 26
Susan G. Komen Race for the Cure (Brainerd / 1200 West Broadway, Little Falls (Phone: 320- Crosslake Outdoor Music Series (6:30pm)
8am) 616-5595)
July 26
July 5 July 12 Charles A. Lindberg Living History Day (10am-
Crosslake Outdoor Music Series (6:30pm) 5th Annual Bad Boyz Car Show (Brainerd 5pm)1620 Lindbergh Drive South Little Falls
International Raceway) (Phone: 320-616-5421)
July 5
Grandpa’s Run for the Walleye (Crosslake) July 12 - 13 July 27
Crosslake Outdoor Music Series (6:30pm) 30th Annual Arts & Crafts in the Park
July 6 (City Park, Detroit Lakes)
Arts in the Park (Gregory Park, Brainerd) July 16 – 19
Riverboat Heritage Days (Aitkin) July 27 - 29
July 6 - 7 Motley Two Rivers Musical Festival
Lumberjacks in Love (Pequot Lakes) July 17 – 18
Walker Crazy Days July TBA
July 8 Ride for the Red Cross Motorcycle Ride
Story Time (Pine Grove Zoo, Little Falls- 11am) July 17 – 19
1200 West Broadway, Little Falls (Phone: 320- Cass County Fair (Pine River) July 29 - August 2
616-5595) Crow Wing County Fair (Brainerd)
62 Harmening Housing June/July 2008 www.harmeninghousing.com
helpful information for buyer’s & seller’s
• The Bid Price • Loan Approval • Arbitration
Anywhere from 3 to 5% away Make sure things are in writing, You will need to decide if this
from the sellers price is a good have a time limit to how many is good for you or not. If the
offer. days the buyer has to buy buyer and seller have made
the house, 30 days or less is exceptions in the purchase of the
• Ability to Pay, commonly used. house they may be written in
Make sure you get a Lender the arbitration. If this is so both
Qualification Letter from • Property buyer and seller should sign the
the buyer to make sure they Have all agreements on the agreement.
are qualified to purchase the purchase of the property in the
property. purchase agreement. This will • Amendment
keep out miscommunication, If changes are made later in
• Contingencies and will help both buyer and the agreement regarding the
You sometimes have seller. For an example, if the purchase of the property, this
contingencies on the sale of a buyer wants something fixed or should be attached to the
property . The buyer may think appliances to be sold with the purchase agreement, known as
that the seller is asking a bit house. These should be included an amendment.
much for the property in it’s in the purchase agreement.
existing condition. So the buyer Make sure the exact dollar
might ask for some things to be amount is written down for any
done upon the sale. It is up to improvements made by seller.
the seller to decide if the buyer is
asking too much.
how to reach out to young buyers
The start of the new year is a good time for real as first-timers, in general — are likely to be more
estate agents to fine-tune their business to align ethnically diverse.
with the changing demographics of modern
buyers and sellers. For instance, the median age of That makes now a good time for agents to begin
REALTORS® is 52, while the median age of buyers posting listings in other languages or to begin
is just 39. looking for clients outside of the country.
This means that baby boomer agents who want Realty professionals also will want to pay close
to remain successful will need to adjust to the attention to single female buyers, a demographic
attitudes of a younger clientele. that is growing among home owner ranks. To
cater to this crowd, agents can arrange first-time
Generation X buyers, for instance, can be buyer seminars for a local women’s organization
demanding; and members of Generation Y may or collaborate with a financial planner or tax
expect an agent to work around their busy social attorney to sponsor investment seminars for female
schedules. Additionally, younger buyers — as well professionals.
www.harmeninghousing.com June/July 2008 Harmening Housing 63
get creative!
Inman News, Bernice Ross (1/18/08), The Dallas Morning News,
Pamela Yip (12/03/07)
When business is challenging, real
estate professionals get creative,
especially when they write ads.
Photos Helps You Sell Al Johnson, a Seattle-area real estate practitioner who has taught classes
•Photographs that accompany on listing language, wrote in a column for the Windermere Weekly,
home listings on the Web offering advice to practitioners and sellers on making classified ads pay
or in brochures, newspaper off. “Nobody ever went to look at a house just because it had ‘3 bdrm/2
advertisements, flyers, magazine ba,’ “ he wrote.
articles, and other marketing
materials play a significant role Instead, he suggested using active verbs, “commanding attention”; starting
in attracting buyers. with a question, “looking for privacy, charm and views?”; creating urgency,
“don’t miss!”; alliteration, “exuberant elegance”; and making the best of
•These images serve as the first shortcomings, “scratch and dent sale”.
impression, and buyers often
decide whether or not to see a Johnson’s all-time favorite example: “Stinky little fixer, but it smells like
home in person based on their money.”
quality and presentation.
Here are other classic examples of ad words that
•Research reveals that the more emphasize the positive:
photos a listing has, the quicker
it sells. A property with a single • Very quiet interior: You can • Cozy: Tiny.
photo spent 70 days on the barely hear the freeway with
market (DOM) on average, while the windows shut. • Cute: Small and fussy.
DOM fell to 40 with six photos,
36 with 16 to 19 photos, and 32 • Convenient to shopping: • Dollhouse, adorable:
with 20 photos. Additionally,
Next to a strip mall. Nauseatingly cute.
listings with one photo sold
for 91.2 percent of the original
price, while homes with six or • Convenient to freeway: Next • Unique: Remodeled by
more sold for 95 percent of the to the on-ramp. someone with interesting
original price. taste.
• Seller has left you to your
•The photos to be used as a
own imagination: Hasn’t • Handyman special: Bring
marketing tool should be taken
by a professional, with experts been updated since 1940. boots.
noting that sellers will recoup
the costs of professional photos • Great bones: You’ll need to • Motivated seller: They need
if their homes sell faster and at a tear it down to the studs. to sell before they default on
higher price. their mortgage.
• Charming: Small.
64 Harmening Housing June/July 2008 www.harmeninghousing.com
final walk-
through
It’s guaranteed to be hectic right before
closing, but you should always make
time for a final walk-through. Your
We are a leading provider goal is to make sure that your home is
of home appraisals for the in the same condition you expected it
would be. Ideally, the sellers already
mortgage lending market-
have moved out. This is your last chance
place. With many years of to check that appliances are in working
experience in the Brainerd condition and that agreed-upon repairs
Lakes area, we have a have been made. Here’s a detailed list of
proven track record of re- what not to overlook on your final walk-
ducing time, efforts and through.
costs in managing the Make sure that:
appraisal process. • Repairs you’ve requested have been made. Obtain
copies of paid bills and warranties.
• There are no major changes to the property since
you last viewed it.
• All items that were included in the sale price —
draperies, lighting fixtures, etc. — are still there.
• Screens and storm windows are in place or stored.
• All appliances are operating, such as the dish-
washer, washer and dryer, oven, etc.
• Intercom, doorbell, and alarm are operational.
• Hot water heater is working.
Office: (218) 746-3637
• No plants or shrubs have been removed from the
Mobile: (218) 838-8143 yard.
Fax: (218) 746-3697 • Heating and air conditioning system is working
• Garage door opener and other remotes are
Email: orders@ahoappraisals.com
available.
• Instruction books and warranties on appliances
and fixtures are available.
Aho Appraisals, Inc.
• All personal items of the sellers and all debris have
P. O. Box 404 been removed. Check the basement, attic, and
every room, closet, and crawlspace.
Brainerd, MN 56401
www.harmeninghousing.com June/July 2008 Harmening Housing 65
private mortgage insurance
Office of Minnesota Attorney General (Lori Swanson)
What is PMI? and the value of your house. For example,
Most homeowners pay each month if your house value is $100,000, you
into an escrow for taxes and insurance. have 20% equity if the current principal
These escrow payments, together with an balance on your mortgage is $80,000 or
amount for principal and interest, make less.
planting
up the monthly mortgage payment.
However, a significant number of But there is a big difference in how equity
homeowners also pay another type of is calculated under federal and state law.
charge each month known as “PMI,” or Because federally chartered lenders do
for privacy Private Mortgage Insurance.
PMI typically is required for conventional
not have to abide by state law, you must
first determine whether your lender is
state or federally chartered. Under the
garden ideas & outdoor living
loans when the homeowner makes a federal law, your home’s value is based
down payment of less than 20%. PMI on the original value of your home when
protects the lender (not the borrower) you bought it. Market appreciation is
• Mix it Up
from losing money when a homebuyer not considered. Because the first years of
A mixed border of shrubs and small trees
when a homebuyer defaults on a mortgage a mortgage payment are mostly interest,
makes a very effective living screen and
looks more natural than a sheared hedge. loan. PMI is not cheap – it averages a homeowner would have to wait years,
Perennials alone will not work; they die over $35 per month and can cost more often a decade or more, before reaching
during winter and are short-lived. than $100 per month. With substantial the required 20% in equity as determined
monthly payments of benefit only to the by federal law.
• Include Evergreens lender, it is in the homeowner’s interest
Use both evergreens and deciduous trees to stop paying PMI as soon as possible. Fortunately, Minnesota has one of the best
AD PROOF
and shrubs for an interesting contrast in According to industry standards, since laws in the country for early cancellation
textures and four-season effect. 1991 annual operating profits in the of PMI. Under Minnesota law, the
PMI industry have skyrocketed more value of your home is based on what is
•Consider a Fence
than 500% to $2.7 billion. would be worth if you sold it today. This
A fence is helpful for creating a sense of
enclosure and seclusion, but opt for an amount includes appreciation in home
open design, such as a picket, metal, or Minnesota Law value. For instance, if you bought your
split-rail fence. F.Y.I.: Be sure to check Under both federal law and Minnesota home for $100,000 with 5% down, and
local zoning regulations, many city law, you can request cancellation of PMI your house is now worth $130,000, you
ordinances may regulate the height and once your home equity reaches 20%. probably are eligible to cancel PMI under
placement of fences. Equity is the difference between your Minnesota law.
current principal balance on your loan
Present this coupon for one free week at
SNAP FITNESS in Brainerd
1313 S. 6th St. “LIVE BETTER”
Brainerd, MN 56401
218-825-8100
Exp. Dec 31st, 2008
66 Harmening Housing June/July 2008 www.harmeninghousing.com
types of mortgages
A mortgage is a loan taken out so an that you will own your home free and clear. then might change to an adjustable-rate
individual is able to buy a house. There However, because this plan requires that you thereafter.
are a wide variety of mortgage options, pay off both parts of the debt simultaneously,
and this simple fact is just about all they your monthly payments will be higher than Having a fixed rate is great for planning your
have in common! If you are in the market they would be if you had an interest-only budget because your mortgage payment
to purchase a home, then it is crucial you mortgage. will be exactly the same each month. There
fully explore your loan options, because certainly is something to be said for stability,
there are a lot from which to choose. If you choose an interest-only mortgage, especially if market rates are higher than your
then the monthly payments that you make fixed rate. On the other hand, if market rates
Mortgages may be categorized several to your creditor will go entirely toward fall, then you will not benefit as your rate
different ways. They may be either (1) paying off your interest. Consequently, your remains the same.
government loans or conventional loans, payments will be less than they would be
(2) repayment mortgages or interest-only with a repayment mortgage, but this perk Adjustable-Rate Mortgages
mortgages or (3) fixed-rate mortgages or only exists in the short-term.
adjustable-rate mortgages. Beyond this, Adjustable-rate mortgages, also known
there are several sub-types associated with In addition to interest payments to the as “variable” mortgages, do not have set
the latter distinction. lender, borrowers also should be making interest rates as is the case with their fixed-
monthly payments into a separate fund. This rate counterparts. Instead, the rates of
Government Loans v. Conventional Loans is because, at the end of your mortgage term, these mortgages fluctuate as market rates
Mortgages may be identified by the source the entire balance of your capital debt will fluctuate.
of their funding. Government loans are become due. If you are unable to pay at this
mortgages that are provided by the Federal time, then your lender can take possession of Such loans make it difficult to plan a budget
Housing Administration (FHA), Veterans your property. because monthly payments always will be
Affairs (VA), or the Rural Housing Service changing. However, just as easily as your
(RHS). Interest-only mortgages can be a good option variable rate can be above a fixed-interest rate,
for borrowers who do not have very much it also can fall below and save you money.
Mortgages that are provided by any other money upon first obtaining their homes, but
lender, on the other hand, are considered to who expect to have more funds in the future. Whether or not an adjustable-rate mortgage
be conventional loans. However, may mortgage providers now is a good investment really depends upon
days do not require proof that you have an luck and if you are a risk-taker. If you know
Repayment Mortgages v. Interest-Only investment fund separate from your monthly that you will not be able to afford payments
Mortgages payments, so this option can be dangerous if your interest rate rises, then you should not
unless you can reliably and responsibly plan get an adjustable-rate mortgage. However,
Debt associated with mortgages can be split for paying off your capital debt. taking a chance on an adjustable rate does
into two different parts: capital debt, or the work out for some people, and you always
amount of money that you actually borrowed, Objectively speaking, repayment mortgages can refinance your variable-rate mortgage if
and interest. Repayment mortgages and generally are better investments if you can you wish.
interest-only mortgages differ in how they afford the higher payments right away.
deal with both of these parts. In addition to being riskier, interest-only Capped Rate Mortgages
mortgages also will cost you more in interest
With a repayment mortgage, the borrower in the long-run, because you are borrowing Capped rate mortgages work the same way
makes monthly payments that are used the total sum of your loan for your entire as traditional adjustable-rate mortgages, but
to pay off both a bit of interest as well as a mortgage term. instead of the rate being able to rise to extreme
bit of capital debt. Generally, the majority highs, there is “cap” that your rate must stay
of payments are used to pay interest in the Fixed-Rate Mortgages v. Adjustable-Rate under. This certainly can help you to plan
first few years of the loan, but this balance Mortgages your budget and to make variable rates less
changes gradually until a large percentage of “risky” in comparison to fixed rates.
payments goes to one’s actual debt. For the borrower with a fixed-rate mortgage,
the interest rate for monthly payments However, the capped rate almost certainly
Sticking to the payment plan of a repayment remains the same despite market changes. will be higher than a comparable fixed rate,
mortgage guarantees that you will be debt- Sometimes homeowners obtain mortgages so you still could end up paying more if
free at the end of your mortgage term, and with a fixed-rate for the first few years, which your rate stays at the cap for a long time. Of
www.harmeninghousing.com June/July 2008 Harmening Housing 67
types of mortgages
course, you also could save money if market time at the beginning of the mortgage term. money is granted after your deposit, so do
rates are low. This discount could not come at a better not count on using your cashback for this
time for the new homeowner with moving purpose.
Balloon Loans expenses. Most discounted rate mortgages
One sub-type of a fixed-rate mortgage is a also release the discount gradually so that Aside from this original lump sum, your
balloon loan. Such loans utilize a fixed-rate, you all of a sudden are not inundated with a mortgage will act as a traditional adjustable-
but the monthly payments are not set up, large increase in payments. rate mortgage.
in and of themselves, to pay off the loan
within the mortgage term. Instead, monthly This type of mortgage can work out very well, Tracker Mortgages
HARMENING
payments will be less than they would be but remember that even with the discount,
otherwise, while the final payment due will your payments will rise if market rates rise. A tracker mortgage is very similar to an
HOUSING LLC
be much larger than the others to pay off adjustable-rate mortgage except instead of
7180
what Excelsior
remains of theRd.
principal. Cashback Mortgages one’s rates being based directly on market
Baxter, MN 56425
rates, they are based on an independent rate
(218-454-0272
Discounted Rate Mortgages Upon obtaining a cashback mortgage, you that is linked to the market rate. Aside from
will be given a lump sum of money that is this, they act like variable-rate mortgages and
Interest rates are based on the market rate just based on a percentage of the amount of your have the same pros and cons as well.
AD PROOF
as they would be with a traditional adjustable- loan. Similar to the discounted rate mortgage,
rate mortgage, but these mortgages offer a this provides you with cash at time when
discount on that rate for a certain period of you really could use it. However, usually the
Available Rental Brainerd Garages 3 Locations:
218-828-4595
Unit Sizes 10098 Glacier Road-By
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10x10's 10x14's
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Outdoor Spaces BRAINERD, MN 56401 1212 Industrial Park Road-
Available Also Right across street from Pepsi
www.brainerdgarages.com
68 Harmening Housing June/July 2008 www.harmeninghousing.com
mortgage glossary
Abstract (of title): A written summary of the title Closing Costs: Expenses (over and above the price or limits the title to a property, such as outstanding
history of a particular piece of real estate. of the property) incurred by buyers and sellers in mortgages, easement rights or unpaid property taxes.
Acceleration Clause: A provision of a mortgage or note transferring ownership of a property. Also called Equity: The value in which the owner has in real
which provides that the entire outstanding balance will “settlement costs.” estate over and above the mortgages against it. When
become due and payable in the event of default. Closing Statement: A financial disclosure giving an the mortgage and all other debts against the property
ARM (Adjustable Rate Mortgage): A mortgage in account of all funds received and expected at closing, are paid in full, the owner has 100% equity in his
which the interest rate is adjusted periodically, based including the escrow deposit for taxes, hazard insurance property.
on the movement of a financial index. and mortgage insurance for the escrow account.
Amortization: Repayment of loan by installment Commission: An agent’s or broker’s fee for bringing Escrow: Funds and/or deed left in trust to a third
payments. As the payments are made, the debt is the principals together and helping to negotiate a real party. Generally, a portion of the monthly mortgage
reduced so that at the end of fixed period or term, no estate transaction, often a percentage of the sales price payment is held in escrow by the lender to pay for
money will be owed. or flat fee. taxes, hazard insurance and yearly mortgage insurance
Commitment: An agreement, frequently in writing, premiums.
APR (Annual Percentage Rate): The annual percentage
rate refers to the total cost of the loan, expressed as a between a lender and a borrower to loan money at a First Mortgage: A mortgage that has a primary lien
yearly rate. future date, subject to certain conditions. against a property.
Application Fee: That part of the closing costs pre-paid Comparables: Refers to similar properties used for Fixed-Rates Mortgage: A mortgage with an interest
to the lender at time of application to cover initial comparison purposes in the appraisal process. These rate and monthly payments that remain constant over
expenses. properties will be reasonably the same size and the life of the loan.
Appraisal: A report made by a qualified person as to location, with similar amenities and characteristics, Fixture: Property, such as a hot water heater or
the value of a property as of a given date. that the approximate fair market value of the subject plumbing fixture, that has become permanently
property can be determined. attached to piece of real estate and goes with the
Assessed Value: The value placed on a piece of real property when it is sold.
estate by the taxing authority for the purpose of Condominium: Ownership of a single unit in a
taxation. Also called an assessment. multiunit building or complex of buildings. Along Flood Certification: An independent agency report
with this goes a share of ownership of the
Assumption of Mortgage: The purchaser takes over common areas.
mortgage payments for the balance of the loan,
assuming primary liability. Unless specifically released Contingency: A condition that must be
by the lender, the seller remains secondarily liable. met for a contract or a commitment to
remain binding.
Balloon Mortgage: A mortgage with periodic payments
that do not fully amortize the loan. The outstanding Conventional Mortgage: Any mortgage
balance of the mortgage is due in a lump sum at the loan that is not insured by FHA,
end of the term. guaranteed by VA, of funded by a
government authorized bond sale or
Bridge Loan: A short-term loan secured by the equity grant.
in an as-yet-unsold house, with the funds to be used for
Convey: To transfer real estate from one
CHECKERED FLAG
a down payment and/or closing costs on a new house.
There is no payment of principal until the house is person to another.
sold or the end of the loan term, whichever comes first. Credit Report: The report to a prospective
lender on the credit standing of a
Interest payments may or may not be deferred until
the house is sold. prospective borrower. SAVE 4 CENTS OFF
Broker: The person who, for a commission or a fee, Deed: A legal written document by which
brings parties together and assists in negotiating
contracts between them.
title to property is transferred.
Default: Failure to fulfill the terms as
PER GALLON OF GAS
Buy down: Money advanced by an individual (e.g. agreed to in the mortgage of note.
builder, seller, buyer, lender, developer) to lower Down Payment: The difference between CASH ONLY
.4
monthly mortgage payments for a few years or the the sale price of a property and the
whole term. mortgage amount.
Cap (interest rate): The maximum interest rate Due-On-Sale: A clause in a mortgage
increase allowable on an adjustable rate mortgage. which gives the lender the right to require
Does not result in negative amortization. See Negative immediate repayment of a mortgage
amortization. balance if the property changes hands.
Cap (payment rate): The maximum payment amount Earnest Money: The deposit money given
increase allowable on an adjustable rate mortgage. to seller or his agent by the potential buyer
May result in negative amortization. See Negative at the time of the purchase offer. If the
amortization. offer is accepted, the money will become
Certificate of Title: A statement that shows ownership part of the down payment.
218-828-7087
of property, stating that the seller has clear legal title. Easement: A right to the limited use
Closing: The concluding day of the real estate of land owned by another. An electric
transaction, when title and deed pass from seller to company, for example, could have an
easement to put up electric power lines
buyer, the buyer signs the mortgage and pays the
purchase price and closing costs. over someone’s property. EXP. July31 , 2008
Encumbrance: Anything that affects
www.harmeninghousing.com June/July 2008 Harmening Housing 69
mortgage glossary
investment purposes and not used as the owner’s
required by the lender to determine whether a property
is located in a flood hazard zone, which would thenresidence. Prime Rate: The interest rate charged by banks to
Interest: A charge paid for the use of money.
require a federally mandated flood insurance policy. their preferred corporate customers, it tends to be
Foreclosure: A legal procedure in which property Land Contract: When the buyer agrees to make an estimator for general trends in short term interest
mortgaged as security for a loan is sold to pay thepayments directly to the seller at pre-negotiated rates.
defaulting borrower’s debt. terms. The seller agrees to deed the property to the Principal: The amount borrowed or remaining unpaid;
Graduated Payment Mortgage: A fixed rate loan with buyer upon completion of the agreement. The buyer also, that part of the monthly payment that reduces
becomes the owner of equity in this type of sale. (Also
monthly payments that start low, increasing by a fixed the outstanding balance of a mortgage.
amount for a specific number of years. After that see Owner Financing.) P.M.I (Private Mortgage Insurance): Insurance written
Lien: A legal claim on a property used as security for
period, the payments typically remain constant for the by a private mortgage insurance company to protect
duration of the loan. a debt. the lender against losses caused by mortgage default.
Gross Income: Normal income, including overtime, Loan-To-Value Ratio: The relationship between the This is commonly required on loan transactions
prior to any payroll deductions that is regular andamount of the mortgage and property value, usually involving less than a 20% down payment or equity
dependable. This income may come from more than shown as a percentage. position.
one source. Market Value: The price at which a property will Real Estate Settlement Statement: Final settlement
Hazard Insurance: Insurance protection against sell, assuming a knowledgeable buyer and seller, both statement often referred to as the HUD-1 form, used
AD PROOF
damage to a property from fire, windstorms, and other
operating without undue pressure. to itemize buyer, seller, broker, and lender charges and
common hazards. Mortgage: A contract in which a borrower’s property is credits at closing.
Homeowner’s Insurance: An insurance policy that pledged as security for a loan which is to be repaid on Realtor: A real estate broker or sales associate affiliated
covers the dwelling and its contents in case of fire or
an installment basis. with the National Association of Realtors.
wind damage, theft, liability for property damage and
Mortgage Note: A written promise to pay a debt at Recording Fee: The charges made by the register of
personal liability. a stated interest rate during a specified term. The deeds to record the legal documents.
Income Property: Real estate that is owned for agreement is secured by a mortgage. Refinancing: Repaying a debt with the proceeds of
Mortgagee: The lender in a mortgage a new loan, using the same property as collateral or
contract. security.
Mortgagor: The borrower in a mortgage Second Mortgage: A loan issued on property that is
contract. already encumbered by an existing mortgage (ie: the
Massie Creek
Negative Amortization: A loan in which first mortgage). The second mortgage is subordinate
the outstanding principal balance goes to the first.
up instead of down because the monthly Secondary Mortgage Market: The market wherein
LLC
payments are not large enough to cover home loans are sold by the lender after closing
Interior Design and Home Furnishings the full amount of interest due. Also to Fannie Mae, Freddie Mac or a variety of other
called deferred interest. institutional investors.
“Everything is Unique at Massie Creek” Origination Fee: A fee charged for Title: Ownership of a property. A clear title is one
the work involved in the evaluation without any outstanding liens or encumbrances.
preparation and submission of a proposed A cloud on title refers to any outstanding liens or
mortgage loan. encumbrances which could impair the title.
Owner Financing: A purchase in which Title Insurance Policy: A policy designed to protect
the seller provides all or part of the the buyer or lender after closing from financial losses
financing. arising from any defects in the title that may have
Plat: A map of a piece of land occurred prior to purchase.
showing boundary lines, streets, actual Title Search: A check of public record to disclose
measurements and easements. the past and current facts regarding ownership of a
Point: A fee paid to the lender on closing particular piece of property.
day to increase the effective yield of the Truth-In-Lending: Federal law that requires lenders
mortgage. A point is one percent of the to disclose the terms and conditions of a mortgage,
amount of the mortgage loan. Also called including the APR, based on certain charges incurred
a discount point. by the borrower.
Prepayment Penalty: A charge paid to the Underwriting: The process of evaluating a loan
lender by the borrower if a mortgage loan application to determine the risk involved for the
is repaid before its term is over. lender.
Pamela Massie Allied Member ASID Pre-Approval: A commitment by a lender
to extend credit provided that specific
Nisswa Square conditions are met.
Pre-Qualification: A preliminary assessment
studio number of a buyer’s ability to secure a loan, based
218~963~7996 on a specific set of lending guidelines and
buyer representations made. This is not a
studio fax is 218-963-9872 guarantee or commitment by a lender to
www.massiecreek.com extend credit.
70 Harmening Housing June/July 2008 www.harmeninghousing.com
important phone number directory
Chamber of Commerce Otter Tail Power Company 800-257-4044 McGregor Department of Public Works 218-768-2717
Aitkin Chamber of Commerce 218-927-2316 Xcel Energy 800-895-4999 Pillager Department of Public Works 218-746-3322
Brainerd Lakes Area Chamber 800-450-2838 Pine River Area Sanitary District 218-587-2924
Cass Lake Chamber 800-356-8615 Garbage / Refuse / Waste
Detroit Lakes Chamber 800-542-3992 Crow Wing County 218-824-1290 Telephone
Hackensack Chamber 218-675-6135 Garrison Disposal 800-642-0161 Arvig Communication Systems 866-937-4227
Little Falls Area Chamber 320-632-5155 Waste Management 218-829-4915 AT&T 800-464-7928
Nisswa Chamber of Commerce 800-950-9610 of Northern Minnesota Charter Communications 888-438-2427
Pine River Chamber 800-728-6929 Waste Partners Inc. 866-602-8727 Consolidated Telecommunications Company 800-753-9104
Staples Chamber 218-894-3974 Integra Telecom 800-820-7880
Gas Quest 800-244-1111
Post Office AmeriGas 218-825-7803 TDS Telecom 888-225-5837
Aitkin 218-927-2518 CenterPoint Energy 800-722-6821
Brainerd 218-829-3101 Enbridge Inc. 866-817-6836 Public Transportation
Deerwood 218-534-4793 Lakes Gas Company 800-516-1787 Brainerd Lakes Regional Airport 218-825-2166
McGregor 218-768-2991 Xcel Energy 800-895-4999 Crow Wing County Transit /
Pine River 218-587-4793 City of Brainerd Transit 866-925-7433
Sewer / Water
Cable Aitkin Department of Public Works 218-927-3121 Miscellaneous
Charter Communications 800-438-2427 Backus Department 218-947-3221 Go Minnesota Road Conditions 800-542-0220
Paul Bunyan Television 877-624-4700 of Public Works Gopher State One Call
SCI Broadband 800-222-9809 Brainerd Public Utilities 218-829-8726 “Call Before You Dig EVERY Project 800-252-1166
Breezy Point Department Poison Control 800-222-1222
Electric of Public Works 218-562-4441 UPS 800-275-8777
Beltrami Electric Cooperative 800-955-6083 Crosby Department
Brainerd Public Utilities 218-829-8726 of Public Works 218-546-5021
Crow Wing Power 800-648-9401 Deerwood Department
Detroit Lakes Public Utilities 218-847-7609 of Public Works 218-534-3152
Minnesota Power 800-228-4966 Detroit Lakes Public Utilities 218-847-7609
HarmeninG HOUSING MAGAZINE
HarmeninG
Mail To:
1 Year at $34.95
HOUSING MAGAZINE
7180 Excelsior
Baxter, MN 56425
2 Years at $46.95
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3 Years at $54.95 Address
(18 issues at a 52% savings)
City State Zip
PAYMENT ENCLOSED Check Money Order Visa MasterCard Discover
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www.harmeninghousing.com June/July 2008 Harmening Housing 71
371Flooring, Inc.
Dean & Julie Fenske, Owners
HARMENING H o u s i n g
A New Way of Doing Business
218-454-0272
www.harmeninghousing.com
72 Harmening Housing June/July 2008 www.harmeninghousing.com
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