Understanding Minnesota Mortgages

Understanding Minnesota Mortgages FHA loans: An FHA loan is a mortgage issued by federally qualified lenders and insured by the Federal Housing Administration (FHA). FHA loans are designed for low-to-moderate income borrowers who are unable to make a large down payment. First-time homebuyer programs: FHA loans help first–time buyers purchase homes by offering government insured loans with more lenient qualifying guidelines such as Read More

Something to do in the Winter Months!

Something to do in the Winter Months! Ice Fishing: If you don’t have the equipment, most of us know someone that does in the upper Midwest.  If you have never tried ice fishing before, this is something to try at least once in your life and you might get hooked!  Read More

Tips when buying a Second Home!

Tips when buying a Second Home! Hire a 4 Sale Real Estate agent to guide you through the process. Let your agent know your criteria, activities, expectations and things you do and don’t want in this home. Don’t impulse buy! Ask yourself some questions first:  What is affordable for your Read More

Keeping an eye on your Credit Score!

Your credit score is a rating used by lenders to qualify you for a credit card, loan, or service.  Your score is used to estimate risk, ability to pay and is based on your history.  The higher the score, the better.  600-650 on up to 850 is the good to Read More

Energy Saving Tips For Your Home!

Energy Saving Tips! Wash clothes in cold water to save $. Install a programmable thermostat to save on cooling and heating costs. Use window coverings to regulate your homes temps with natural light/heat and shade to cool the home. Turn off all lights, appliances and electronics NOT in use. A power strip can Read More

Homeowners Insurance, Things to consider…

Homeowners Insurance is a big decision and different insurance companies can vary in coverage and pricing greatly.  For that very reason, choosing an insurance company for Homeowner’s Insurance can be overwhelming.  Here are some tips for you and items to consider. Contact multiple companies to compare pricing and coverages.  Most Read More

New Years and Selling your Home

With New Year’s resolutions and another year gone by, if your house is on the market, selling is your priority.  After the busyness of the holidays, it’s time to reflect and look at how you are “selling” your house at this slower time of year. 4 Sale Real Estate is Read More

Realtors 12 Days of Christmas

              On the first day of Christmas my Brokerage gave to me, ONE hour of free Training. On the second day of Christmas my Brokerage gave to me, TWO Title companies referrals. On the third day of Christmas my Brokerage gave to me, THREE Read More

Making Small Spaces feel and look LARGER!

Hang shelves and drapery rods closer to the ceiling to draw the eye upward and for the room to feel taller and larger. Choose a focal piece of furniture that fills the room such as a large sofa. This will declutter the space versus having several smaller pieces, which can Read More

Tips to Minimize Stress when Selling your house

Declutter!  This will make you feel better, able to breathe and let’s the buyer see your house, not your “stuff”. The less you have to clean and put away and the more the potential buyers can envision themselves living there, the better.  You don’t want it empty, however, mimic model Read More

Selling Your House During The Holidays Part 2

  You can never get enough helpful tips for selling your home and so we offer more great information on selling your house during the Holidays to make you more successful in partnering with your 4 Sale Real Estate agent!  The more you can do from these valuable tips, the Read More

Selling Your House During The Holiday Season…Part 1

4 Sale Real Estate has helpful House Selling tips for you during the busy holiday and shopping season.  Have no fear, of course, we are here for YOU! During this time of year, the most crucial thing would be to obtain a reliable and dedicated real estate agent that will Read More