Are you planning to buy your first home in Summitt-Crocus Hill , MN?There are some simple things that I would like to share with you about Summitt-Crocus Hill real estate to help make sure that you avoid some of the biggest mistakes many first time home buyers make. With some basic preparation you can avoid some of the most painful pitfalls.
Tips for Minnesota First Time Home Buyers
1) Get preapproved for your first time home buyers loan first! I meet far too many first time home buyers who find their home before they get prequalified for a home loan. It can be an extraordinarily painful experience to go through the work of searching for the perfect home only to find out you are not yet ready to qualify for a loan. You can get prequalfied with my preferred MN mortgage lender even during the evenings or on weekends, and generally right over the phone. There is no cost for the service and absolutley no obligation so why not start the process immediately?
2) Get educated about the process of buying a home. You can learn a great deal at a first time home buyer seminar or at a Home Stretch Worshop available through many communities around the Twin Cities. There is so much to know about the home buying process that it is well worth it to learn as much about it as you can…and as early as you can.
3) Get a house inspection on the house you are planning to buy. While a home inspection is not required it can sometimes reveal major potential problems in the home before you are fully committed to the purchase. You can negotiate a transaction with a contingency upon a satisfactory home inspection so that if it comes back bad, you can back out of the transaction. Some first time home buyers will skip the home inspection because of the $300 to $500 cost of the inspection. I think the cost of the inspection is a great value when compared to making a purchase of a home with so many problems that it becomes a money pit.
4) Take care of your credit after preapproval. After you have received your preapproval for a home loan your MN mortgage company still might need to check your credit again. Make your payments on time and do not open up any new credit. Additionally, avoid additional credit inquiries after your preapproval to avoid a reduction to your credit score.
5) Do not spend your down payment money prior to the closing on your home purchase. Your mortgage banker will give you a good faith estimate at loan application including an estimate for how much money you will need at closing. Just save your money so that you’re not caught short at closing.
Summit Hill Info
Crocus-Summit Hill is largely residential in character though it does include the commercial strip along Grand Avenue. The residential sections of Summit Hill include Grand Hill and Crocus Hill and dozens of beautiful homes of historical interest to the city. Much of the Crocus Hill-Summit area is within the National Register Historic Hill District and a smaller portion is within the St. Paul Heritage Preservation Commission’s Historic Hill District. If you are planning on buying any of the beautiful Summit Hill homes for sale, please send me an email or give me a call.
First Step In The Process
For many MN first time buyers the intimidating question is where do I start? Your very first step towards buying your first home is to get preapproved for a first time buyer’s mortgage. By doing so you find out how much of a loan you are qualified for so that we can research homes in a price range with comfortable payments for you.
Shawn Hartmann
Licensed Realtor in Minnesota
Keller Williams Realty
shawn@hartmannteam.com
Direct 651-468-9099
2680 E Snelling Drive North
Roseville, MN 55113
With a focus on Saint Paul Homes for Sale
Showing properties
1 - 50 of 500+.
See more City of St. Paul | Houses | Condos | Townhomes .
(all data current as of
5/23/2013)
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$1,475,000 : 1400 Selby Avenue, St. Paul0 beds, 0 baths
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$135,900 : 1575 Hudson Road, St. Paul3 beds, 1 full, 1 part baths
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$154,500 : 2033 Montreal Avenue, St. Paul2 beds, 1 full bath
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$189,900 : 1447 Saint Clair Avenue, St. Paul3 beds, 1 full bath
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$134,900 : 2302 7th Street W, St. Paul4 beds, 1 full bath
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$141,990 : 1568 York Avenue, St. Paul3 beds, 1 full, 1 part baths
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$580,000 : 1140 Saint Dennis Court, St. Paul4 beds, 2 full, 1 part baths
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$299,900 : 1413 Juliet Avenue, St. Paul4 beds, 2 full baths
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$239,900 : 1263 James Avenue, St. Paul3 beds, 1 full, 1 part baths
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$154,900 : 1813 Van Buren Avenue, St. Paul2 beds, 1 full, 1 part baths
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$99,000 : 1140 Maryland Avenue E, St. Paul2 beds, 1 full bath
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$269,000 : 1444 E Shore Drive, St. Paul2 beds, 1 full, 1 part baths
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$139,900 : 2255 3rd Street E, St. Paul2 beds, 1 full bath
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$390,000 : 312 Spring Street ,Unit 411, St. Paul2 beds, 2 full baths
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$113,500 : 330 Morningside Circle, St. Paul3 beds, 1 full, 1 part baths
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$119,900 : 1245 Albemarle Street, St. Paul2 beds, 1 full bath
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$159,900 : 805 Germain Street, St. Paul3 beds, 1 full, 1 part baths
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$114,900 : 547 Minnehaha Avenue E, St. Paul0 beds, 1 full bath
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$84,900 : 779 Cortland Place, St. Paul0 beds, 1 full bath
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$95,000 : 906 Cook Avenue E, St. Paul0 beds, 1 full bath
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$45,000 : 1868 Arlington Avenue E, St. Paul1 bed, 1 full bath
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$179,900 : 1356 Alameda Street, St. Paul3 beds, 1 full bath
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$99,900 : 1035 5th Street E, St. Paul3 beds, 1 full bath
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$349,000 : 256 Spring Street ,Unit 220, St. Paul2 beds, 2 full baths
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$184,900 : 1665 Chamber Street, St. Paul5 beds, 2 full baths
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$347,000 : 2099 Pinehurst Avenue, St. Paul3 beds, 1 full, 2 part baths
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$159,900 : 1773 Sheridan Avenue, St. Paul2 beds, 1 full bath
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$279,900 : 1333 Juno Avenue, St. Paul3 beds, 1 full, 1 part baths
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$133,900 : 988 Dayton Avenue ,Unit 2, St. Paul2 beds, 1 full bath
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$305,000 : 825 Berry Street ,Unit 304, St. Paul2 beds, 1 full, 1 part baths
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$75,000 : 1784 Norfolk Avenue, St. Paul1 bed, 1 full bath
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$179,900 : 1242 Scheffer Avenue, St. Paul3 beds, 1 full bath
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$279,900 : 1739 Marshall Avenue, St. Paul3 beds, 1 full, 1 part baths
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$399,900 : 542 Otis Avenue, St. Paul4 beds, 1 full, 1 part baths
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$10,000 : 1889 Montana Avenue E, St. Paul0 beds, 0 baths
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$434,400 : 1959 Laurel Avenue, St. Paul5 beds, 1 full, 2 part baths
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$589,000 : 785 Linwood Avenue, St. Paul4 beds, 3 full, 1 part baths
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$414,900 : 1888 Sargent Avenue, St. Paul3 beds, 1 full, 1 part baths
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$309,900 : 2221 Youngman Avenue ,Unit 302, St. Paul3 beds, 2 full baths
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$194,900 : 732 Dayton Avenue, St. Paul4 beds, 2 full baths
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$20,000 : 670 Minnehaha Avenue W, St. Paul3 beds, 1 full bath
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$169,900 : 66 9th Street E ,Unit 1702, St. Paul2 beds, 2 full baths
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$100,000 : 123 Lexington Parkway S ,Unit 3, St. Paul1 bed, 1 full bath
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$450,000 : 1815 Eleanor Avenue, St. Paul4 beds, 2 full, 2 part baths
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$585,000 : 2083 Stanford Avenue, St. Paul5 beds, 2 full, 1 part baths
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$78,900 : 1451 Conway Street, St. Paul2 beds, 1 full, 1 part baths
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$379,900 : 1870 Hampshire Avenue, St. Paul3 beds, 1 full, 2 part baths
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$294,900 : 1150 Colette Place, St. Paul3 beds, 2 full baths
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$199,999 : 271 Cecelia Place, St. Paul2 beds, 1 part bath
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$209,900 : 436 Portland Avenue ,Unit 10, St. Paul2 beds, 1 full bath
Listing information deemed reliable but not guaranteed. Read full disclaimer.
