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 real estate.
(all data current as of
5/24/2012)
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$64,900 : 1104 5th Street E, St. Paul2 beds, 1 full bath
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$64,900 : 1262 Woodbridge Street, St. Paul3 beds, 1 full, 1 part baths
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$650,000 : 225 9th Street E ,Unit 601, St. Paul3 beds, 1 full, 2 part baths
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$91,300 : 1735 Louise Avenue, St. Paul4 beds, 1 full, 1 part baths
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$299,900 : 406 Wacouta Street ,Unit 105, St. Paul2 beds, 2 full baths
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$129,900 : 858 Larpenteur Avenue W, St. Paul3 beds, 1 full, 1 part baths
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$45,000 : 441 Banfil Street, St. Paul4 beds, 2 full baths
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$49,900 : 1227 Galtier Street, St. Paul2 beds, 2 full baths
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$149,900 : 78 10th Street E ,Unit 501, St. Paul2 beds, 2 full baths
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$129,900 : 1076 Magnolia Avenue E, St. Paul4 beds, 2 full baths
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$129,900 : 1091 Ryde Street, St. Paul3 beds, 1 full bath
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$289,000 : 2269 Highland Parkway, St. Paul3 beds, 1 full, 1 part baths
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$104,900 : 582 Hall Avenue, St. Paul3 beds, 1 full bath
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$225,000 : 2006 Thure Avenue, St. Paul3 beds, 1 full, 1 part baths
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$124,900 : 1607 Payne Avenue, St. Paul4 beds, 2 full, 1 part baths
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$34,900 : 496 Michigan Street, St. Paul2 beds, 1 full bath
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$109,000 : 1800 Graham Avenue ,Unit 324, St. Paul1 bed, 2 full baths
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$125,000 : 1609 5th Street E, St. Paul4 beds, 1 full bath
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$94,680 : 1686 Leone Avenue, St. Paul2 beds, 2 full baths
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$100,000 : 1675 4th Street E, St. Paul3 beds, 1 full, 1 part baths
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$745,000 : 477 Holly Avenue, St. Paul6 beds, 3 full, 2 part baths
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$219,850 : 1355 Spencer Road W, St. Paul3 beds, 1 full, 2 part baths
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$47,500 : 555 Case Avenue, St. Paul3 beds, 1 full bath
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$500,000 : 201 Otis Avenue ,Unit 1, St. Paul2 beds, 2 full baths
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$105,000 : 1721 6th Street E, St. Paul3 beds, 1 full bath
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$189,900 : 1422 Palace Avenue, St. Paul3 beds, 1 full bath
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$179,900 : 455 Dayton Avenue ,Unit 107, St. Paul2 beds, 2 full baths
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$127,900 : 1217 Bradley Street, St. Paul3 beds, 1 full, 1 part baths
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$89,000 : 1072 Minnehaha Avenue E, St. Paul3 beds, 1 full, 1 part baths
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$124,900 : 1030 Mackubin Street, St. Paul3 beds, 1 full bath
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$134,000 : 693 Mount Hope Street, St. Paul3 beds, 1 full, 1 part baths
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$148,000 : 1528 Canfield Avenue, St. Paul2 beds, 1 full bath
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$129,900 : 247 White Bear Avenue N, St. Paul3 beds, 1 full, 1 part baths
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$59,000 : 1601 Nebraska Avenue E, St. Paul2 beds, 1 full bath
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$124,900 : 1190 Saint Paul Avenue, St. Paul2 beds, 1 full bath
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$164,900 : 1344 Mackubin Street, St. Paul2 beds, 1 full bath
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$42,900 : 1601 Cohansey Street ,Unit 102, St. Paul2 beds, 1 full bath
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$82,500 : 647 Van Buren Avenue, St. Paul2 beds, 1 full, 1 part baths
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$184,900 : 244 George Street W, St. Paul3 beds, 1 full, 1 part baths
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$550,000 : 201 Otis Avenue ,Unit 2, St. Paul3 beds, 2 full baths
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$174,900 : 546 Laurel Avenue ,Unit 4, St. Paul2 beds, 1 full bath
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$189,900 : 1675 Jefferson Avenue, St. Paul2 beds, 1 full bath
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$625,000 : 201 Otis Avenue ,Unit 3, St. Paul3 beds, 2 full baths
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$549,000 : 1721 Hampshire Avenue, St. Paul5 beds, 2 full, 1 part baths
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$185,000 : 2081 Burns Avenue, St. Paul4 beds, 2 full, 1 part baths
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$184,900 : 1183 Randolph Avenue, St. Paul2 beds, 1 full, 1 part baths
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$153,900 : 1539 Etna Street, St. Paul3 beds, 1 full, 1 part baths
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$174,000 : 48 Winthrop Street N, St. Paul3 beds, 1 full, 2 part baths
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$699,000 : 99 Crocus Place, St. Paul4 beds, 1 full, 2 part baths
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$144,900 : 1667 Craig Place, St. Paul2 beds, 1 full bath
Listing information deemed reliable but not guaranteed. Read full disclaimer.
Travis Olson
Travis Olson graduated with a Bachelor of Science degree from Mankato State University. Travis began his Real Estate career in 2005 and with innovation of cutting edge systems and business models has become a valued resource for Keller Williams Realty.
