Homeownership in Minnesota
With interest rates low and predicted to go lower this year, many of you are thinking seriously about buying a home. Am I right? Don’t be shy. Raise your hand if you want to buy a home this year. Wow, look at all the potential homeowners!
Your enthusiasm is inspiring! Buying a home in Minnesota is an adventure. However, before you dive into the housing market, you need a plan. Buying real estate is a journey, and the road to homeownership is rarely a straight line from point A to point B. Often the route is a winding mountain road with hills and valleys, twists and turns but worth the effort to reach the top.
Buying a home in today’s market, especially for first-time home buyers, is challenging. But having your path mapped out from start to finish will help you avoid obstacles and delays. Completing each portion of the journey before proceeding to the next will build confidence in the process. Here are my 7 Steps for a successful home buying experience.
1. Organize Your Finances
2. Shop For a Mortgage and Obtain a Pre-Approval
Now it’s time to find a lender. Of course, your first instinct is to secure a mortgage at the lowest possible rate. Don’t get me wrong that is extremely important. But customer service also matters. The variety of programs offered...
Thanksgiving – a Uniquely American Holiday
The first Thanksgiving celebration was in 1621 in Plymouth Colony, which would later become Massachusetts. The Pilgrim settlers, English refugees fleeing religious persecution, held a feast as an expression of gratitude for a successful harvest and the survival of their community. It was also a celebration of appreciation for the incredible generosity and fullness of spirit shown them by the indigenous Wampanoag people.
The colonists would not have survived the first winter in the new world were it not for the food the tribe shared with the refugees from across the ocean. For those Native American people to display such compassion and kindness to those so different still shines like a beacon of light for almost 400 years! Through the centuries until today, refugees have followed that light-seeking safety and a new life.
A Thanksgiving History Lesson
Thanksgiving did not become an annual celebration until much later. It was not until 1863 that Abraham Lincoln, in an official expression of gratitude for the Union Army victory at Gettysburg, declared the last Thursday of November a national holiday. In 1941, Franklin D. Roosevelt signed a bill into law officially making the fourth Thursday in November the national holiday of Thanksgiving Day.
As Thanksgiving became increasingly popular through the years it came to be synonymous with parades, football, turkey, and visits to grandma’s house. Americans...
It's October and Fall is Happening
Fall is in the air and summer is now officially a memory. For those of you still in mourning about the transition, deal with it. For those of you that love the sights, sounds and smells of autumn, it’s your time. The Twin Cities right now is about football and homecoming celebrations. Food blogs are featuring soups, stews, and slow cooker recipes. Desserts are apple and pumpkin everything!
Temperatures are definitely cooler. The pools are closed down for the season, the trees are turning beautiful shades of gold and orange, and flip flops and shorts have been abandoned for jeans and sweaters. The sun seems to leave a bronze glow on everything it touches and the chill in the morning air lingers through the afternoon and gets downright cold by sundown.
I'm sure you have planned some of your leisure hours, but in case you have some openings on your calendar for this month, let’s take a look at what is noteworthy in the Twin Cities Metro for October.
September – the Twin Cities in Seasonal Transition
September is the month with an identity crisis. Football season has begun, but we are still watching baseball. Food bloggers are pushing soups and stews while we are still throwing brats on the grill. Some people in the Twin Cities think of it as fall and others summer. The autumnal equinox on the 22nd officially welcomes fall, but I think the weather has the last word.
Generally, the temperatures are pleasantly moderate creating perfect opportunities to enjoy your favorite outdoor sport or pastime. Yet we can’t help but notice the chill that creeps into the evening air and lingers into dawn. The clouds tend to be high and scattered and the sky a different shade of blue than it was in midsummer. Yesterday I noted little pops of gold and orange among the still lush green of the trees which serves as a reminder that the inevitability of autumn’s arrival cannot be denied.
Why not allow September to surprise us every day and enjoy these...