The Top 5 Things All Great Realtors Wish Their Clients Knew
by Tami DeLand
1.Real Estate is Local: Perhaps you’ve heard this before and dismissed it as a meaningless cliché. Yet it is true that every real estate market is unique. When you read/hear on the news that the market is falling or rising; that prices are up/down; that inventory is high/low, realize what is happening in Southern California is seldom the case in heart of the Midwest or upstate New York. The reason this is important is that these facts help determine how you go about your house search and successfully negotiate the purchase (or sale) of your home. Recently we met a newlywed couple excited to be first-time homeowners. They (thought they) had done their homework and were prepared buyers. They were thrilled that they would have so many homes to choose from! We had to inform them that this was actually the lowest inventory our area has seen in two years. They were confident that with all the foreclosures on the market they would be able to find a relatively new home at about 80% or less of its list price. We had to show them the recent sales statistics which reflect that foreclosed homes in our area are capturing—on average--95% of the sales price. It has been difficult for the happy couple to reconcile this data as reality, and as a result, after several house tours, the couple has fallen victim to “buyer paralysis,” unable to make a decision. Remember: all great realtors are willing and able to give you the true picture of your local real estate market. It’s up to you to listen.
2.Market Average Matters. (Price per square foot doesn’t.) When it comes to determining the value of a home, one number is most significant: sales price to list price, or the market average. This number tells you what the sellers recently captured on comparable homes in the area. It helps you formulate a reasonable offer that stands a good chance of being accepted or negotiated to your liking. Other numbers, like price per square foot, are actually irrelevant and vary widely from sale to sale or cannot be measured at all. Think of it like this: the next time you go to buy a sheet set for your bed, instead of researching if its price is wholesale, retail or clearance, you ask the clerk what it costs per square inch. Answer = it doesn’t matter. That’s not how sheet sets are priced. Remember: a red herring in the negotiation process seldom—if ever--produces favorable results.
3.Your Best Interest is in Your Realtor’s Best Interest:The simple fact is your realtor does not get paid if he/she doesn’t successfully negotiate a sale on your current home or the purchase of your new home. Pricing the listing of your home too high is not in anyone’s best interest because the house will not sell until it has taken the required number of price reductions to compete on the current market. (IF then.) But by that time, you will be disappointed in the process and your realtor, easily forgetting the price he/she suggested starting at in the first place. Similarly, bidding too low on a home reduces the likelihood that you will get the home you want. And after repeating the process two or three times, it is easy to become discouraged and give up. The answer is not to blindly follow any advice that is shoveled your way but to choose your realtor carefully and then trust that person to perform as the professional he/she is. Remember: All great realtors are able to demonstrate their value through their track record and skills.
4.The Housing Market is Ever-Changing: Just like the newlywed couple who had a hard time adjusting to the fact that there were few homes to choose from in their price-bracket and those homes were selling rapidly at close to full price, buyers need to be attuned to the fact that the market they were shopping in (or reading about) just a few months ago may be an all-together different place today. Buyers must pay attention to the absorption rate in their specific price bracket. (The number of homes available per buyer.) This determines how quickly they must respond to a new listing. Foreclosures in most markets, for instance, require that buyers be pre-approved with a reputable lender before they walk in the door, the reason being (depending on the area) that foreclosures are selling within 24 hours - 10 days. A buyer under these circumstances must be first in and willing to write at full-price. Inventory in some areas is so critically low, we are seeing multiple-offers even in non-foreclosed homes. Remember: all great realtors will be able to show you the absorption rate in your market and explain its significance.
5.Clarify Your Wants and Needs to Yourself and Your Realtor:On the one hand, this describes your Wish List—all the things you want and need in your new home. But often there is an item that may be hidden from your realtor: that the number one need you have, for example, is to find “the deal.” The reality is if you are looking to purchase a home that will provide the lifestyle that you and/or family desires, expect to pay for a fair price for the property. If you are shopping for “the deal,” expect to write several offers and to give up several of the items on your wish list. Your realtor can guide you in either direction, but he/she needs to know that your primary objective is the price tag. Remember: you will save yourself time and angst by clarifying your most important need and communicating it to your realtor right away.
Remembering What’s Important about a Home by Tami DeLand
In recent years we’ve heard a lot about our homes. How they’ve become a bad investment. How they’ve gone down in value. How they have sunk the market and caused a crushing economic recession.
We have heard so much about them, in fact, that we’ve tuned out and forgotten what is true about homes: that they reflect who we are, how hard we have worked, and where we feel most like ourselves.
I have a friend who recently reminded me of what it means to own a home. Me: a real estate agent. Even I had lost in the past few years the essence—the true significance—of home. I want to share with you her lesson. This is from Ronnie Gaubatz’s blog, “Glass Half Full.” She says it much better than I ever could. Please read.
Ronnie is battling stage IV cancer. In another lifetime, she was one of my first students. She was 14 and I was 22. Because Ronnie understands what a home really means, she hopes that her family is able to stay in hers once she is no longer with them. She wants her home to be her legacy.
I am traveling to St. Louis, Missouri in February to join Ronnie’s Rally to help her achieve that goal. If you are able, I’d be proud to have you donate to her cause.
But in any event, take with you Ronnie’s gift: the reminder that home ownership is much more than an investment. It is the place you bring--and live--your love.
http://www.katimari.com/rallyForRonnie/rally-for-ronnie-event/ shared from Ronnie's Blog...
our home
January 12, 2012
Doug and I moved no less than nine times in the first ten years of our marriage. The first place was a tiny, second floor apartment near the school where Doug teaches photography. On the first floor, right below us lived The Snorer. This man snored so loud every night that he would wake us from a dead sleep. I would put on my motorcycle boots and jump up and down on the floor so that he would awaken and hopefully stop the horrible noise. After about a month, I left a note on his door begging for mercy, please sir, let us sleep. That night we noticed that he had moved his bedroom to the front of his apartment so that the snores now filled our living room and our bedroom fell silent.
Then there was the pickle bucket place. This place was an unfinished warehouse that rented for two hundred and fifty dollars a month. The cheap rent excited my husband to no end and rendered him completely blind to the fact this place had no bathroom, no kitchen, no anything. At some point during the renovation project, surrounded by dust and tools and scraps of wood, I sat on a pickle bucket and cried. I mean I cried, a serious weeping that sends the body into a series of uncontrollable motions starting with a heaving up from a crouched fetal position, followed by a loud and desperate sucking in of air, concluding with a wailing of something like Why oh why did you do this to me? Why can’t we just live in a normal place? When will this ever be finished?. This drama went on for about forty-five minutes, while Doug continued to hammer in the space that would become the kitchen.
There were more places too. There was the place with the strange hot tub and shag carpet in the bathroom, the place with the landlady that liked to drop by unannounced and gave longer than comfortable hugs, the third floor place that my mother helped us move into and consequently she will never forgive Doug for his enormous book and record collection. It still comes up at family gatherings how many bags of books she hauled up those stairs. Bless her. There have been a lot of dwellings in our lives, but none of them our home, until this place, my last place.
Our home is a modest two-story, circa 1963. It is the kind of place that Wally and Beaver Cleaver would have live in, clean, functional, and covered with textured wallpaper. I like to think of the girls, upstairs talking with one another about important life issues just the way Wally and The Beav used to do. Of course they would get it all wrong and June and Ward would help them sort it all out over a nice dinner. The thought of Doug and I as Ward and June Cleaver is therapeutic in so many ways; Laughter, especially uncontrolled laughter, is indeed the best medicine. I joke. Our home is simple and modest, but it is filled with love and support for each other. There are no Eddie Haskells here.
Our home sits on just over an acre of land outlined with trees in the heart of a fairly good-sized suburb of Saint Louis. Despite the location, our backyard is private and quiet, except in June and July. Summer evenings are spent on our patio, drinking wine and listening to the loud bullfrog serenade from the pond behind our property. The girls and their friends run through the yard, chasing lightning bugs that morphed into boys in only a few short summers. Friday evenings in September and October, you can hear the high school band and the roar of the crowds at the North High football game from our backyard. The high school is within walking distance. I love football and the girls love hanging out so we attend every home game. Erin will be a junior next year, Mattie and Allie will be a freshman the year after next. I pray that I might be here to see them graduate. Until then, Go North High!
Doug hung a string of clear lights in the trees that surround our patio. We turn them on almost every night. The open bulbs remind me of my favorite place in the world, Greece, where every tiny town has a similar string of lights illuminating the heart of the community. There people gather to drink ouzo and eat peanuts and watch the World Cup on old TV sets that are moved outdoors and precariously balanced on unstable folding tables. They drink and talk and argue and laugh and watch the children run up and down the harbor. The kids eat ice cream and it melts quickly in the Greek summer air and it runs down their arms rendering them too sticky for bed without a bath. Our patio is like that too, a place to laugh and live and drink and eat. And love.
The kitchen has been a “project” since we moved here nine years ago. Until recently, the countertops were fashioned from the old interior doors we took out of the house, not fashioned in the eclectic-antique-door-turned-countertop sort of way but more like the we-desperately-need-someplace-to-prepare-food-and-these-doors-will-do sort of style. The stove and the refrigerator are acting as comic stand-ins for the real appliances I dream of someday owning. Despite it’s odd pairings of cabinetry and appliance, I love my kitchen. The place usually smells of fresh made bread and a roast of some kind in the oven. Family dinners are prepared here every evening, shared with all of us and anyone else who happens to be around at dinner time. Wine gets poured and conversations, big and small, happen over butter and rolls. Mattie and Allie make faces at each other. Funny faces that only your twin would find amusing. My kitchen is where we love, nurture and amuse each other. It is here the girls first made cupcakes. It is here that Erin perfected butter cream icing. It is here that I made the meal we all ate together after I told them about the days.
Our home is home to two dogs, Pearl and Charlie and a cat, Cletus. Hopidink, our lop bunny is buried in the woods, along with Ham-Ham the hamster and an unnamed bird who was the first animal to our knowledge to have passed away on the property. I suspect the cat had something to do with this. Mattie and Allie were only five years old when the bird died. They were quite shaken. We dug a hole together and had a funeral in our back yard. Mattie and Allie held hands while they cried. Erin gathered wild flowers for the grave. I read the 23rd Psalm. Though I walk through the valley of the shadow of death, I fear no evil, for you are with me, your rod and your staff, they comfort me. My girls first learned about death here in our home. They have grieved birds, bunny and hamster. Next they will grieve me. Here. In our home.
Doug and I moved no less than nine times in the first ten years of our marriage, but the second ten years of our marriage have been lived here, in our home, with our girls. I love this place because it is filled with love. Erin wants to someday have this home as her own and that makes me very happy to think about the future of the place. My heart imagines grandchildren I may never meet gathering around a dinner table that means so much to me today. We all love this place, our place, a place to laugh, cry, cook, lovingly mock and sincerely mourn.
WHAT IS THE SKINNY ON TODAY'S HOUSING MARKET? Remember: The Twin Cities real estate market is a great predictor of the Central Minnesota real estate market.
Where has the Twin Cities real estate market been and where is it heading? This monthly summary provides an overview of current trends and projections for future activity. Narrated by Cari Linn (2012 President, Minneapolis Area Association of REALTORS®), video produced by Chelsie Lopez.
Condo with Elevator --- 1340 9th Ave So, St. Cloud
1340 9th Avenue South #307, St. Cloud, MN 56301
Convenience and Security
Property Features: Convenient south St. Cloud location on bus line Two bedrooms & two bathrooms Finished secure and heated garage Apx 1,060 finished square feet Spacious living room with slider to veranda over-looking pool area Full size pool and patio area - great for entertaining Kitchen with dining area Full appliance package Private master bathroom and walk-in closet Party room and laundry Third floor unit with elevator access Association includes: heating, sanitation, snow/lawn care, outside maintenance, hazard insurance, cable tv, water/sewer, security system and shared amenities
Third Floor Unit with Elevator Access With apx 1,060 square finished square feet this pool side unit in light and bright. The association includes pool and patio privileges, laundry, party room, heated and secure garage. This two bedroom condo includes: two bathrooms, a private master bath and walk-in closet, kitchen with full appliance package, and a spacious living room with slider to veranda (pool-side views).
RoamHomes, is a FREE mobile property search app. It works on ALL smart phones. RoamHomes enables you to view all properties for sale listed in the MLS using GPS technology or any of your personal search criteria. TO DOWNLOAD YOUR FREE ROAMHOMES APP: * For iPhone search your App Store for RoamHomes * For Android search your Marketplace for RoamHomes * Other devices go to: http://roamhomes.com/mobile/ When registering, use Coupon Code: 15205255
CALL for details and current price: 1-888-900-9305 Ext: 2062 SEE ALL HOMES and CONDOS FOR SALE: http://www.i-94homes.com/home.htm Steve Hansen, Realtor, Fair Housing and Equal Opportunity Coldwell Banker Burnet
SIMILAR PROPERTIES IN: Saint Cloud, Waite Park, Sartell, Sauk Rapids, St. Joseph, Clearwater, Clear Lake, Avon, Albany, St. Augusta, Rockville, Cold Spring, Richmond, Becker, Rice, Royalton, Little Falls, Monticello, St. Michael, Albertville, Rogers, Otsego, Maple Grove, Buffalo, Annandale, Rockford, Corcoran, and Central Minnesota
National headlines are beginning to predict an upbeat housing market in 2012. As Julie Schmit of USA TODAY reports, “Optimism is building that the housing industry is nearing a bottom—finally.”
Here is some good news excerpted from Schmit’s “Housing Outlook is More Upbeat,” in today’s edition of USA TODAY.
Housing’s outlook is brightening with signs of a better economy. Last month, U.S. employers added 200,000 jobs, and the unemployment rate fell to 8.5%, lowest in nearly three years. While an economic shock could derail progress, “there’s now more evidence of improvement in the economy, and housing will follow the economy,” says David Crowe, chief economist of Home Builders. More improvement is expected for: Sales. Existing home sales will rise 12% this year after a 2% increase last year, and new home sales, coming off a bad year, will jump 74% this year, Moody’s Analytics predicts. November’s existing home sales hit their highest mark in 10 months, and new home sales were the year’s second-best, IHS Global Insight says. Construction. Single-family housing starts will rise 37% this year, Moody’s predicts, after falling 9% last year. Home builder stocks are on a run. The S&P 1500 home building index is up 38% since mid-October, vs. 7% for the S&P 500.
To find out how this data affects your home in the central Minnesota area, contact Tami and Steve today. steve@tamiandsteve.com.
208 8th Avenue North, Sartell, MN --- MATURE TREES
SARTELL HOME WITH MATURE TREES 888-900-9305 Extension# 2392
Private Setting with Mature Trees
Property Features: Spacious back yard with mature trees Four car garage (24 x 42) (four over-head doors) and storage shed New kitchen counter-tops Four bedrooms & two bathrooms Finished lower level with spacious family room, gas fireplace with stone surround Lower level entry with mud room Full appliance package New furnace 2009, new hot water heater, new dishwasher, new carpeting Newer roof, newer siding, new deck door, newer flooring Unfinished fifth bedroom in lower level
Sartell Home with Mature Trees
This four bedroom Sartell home is located in a quiet neighborhood and offers a private backyard with mature trees. The home features two finished levels including: a full appliance package, two bathrooms, spacious family room with gas fireplace (stone surround), newer roof, siding and flooring, a four car garage with backyard access (overhead door), storage shed and lower level entry with mud room.
CALL for details and current price: 1-888-900-9305 Ext: 2392 SEE ALL HOMES FOR SALE: http://www.i-94homes.com/home.htm Steve Hansen, Realtor, Fair Housing and Equal Opportunity Coldwell Banker Burnet
RoamHomes, is a FREE mobile property search app. It works on ALL smart phones. RoamHomes enables you to view all properties for sale listed in the MLS using GPS technology or any of your personal search criteria. TO DOWNLOAD YOUR FREE ROAMHOMES APP: * For iPhone search your App Store for RoamHomes * For Android search your Marketplace for RoamHomes * Other devices go to: http://roamhomes.com/mobile/ When registering, use Coupon Code: 15205255
SIMILAR PROPERTIES IN: Saint Cloud, Waite Park, Sartell, Sauk Rapids, St. Joseph, Clearwater, Clear Lake, Avon, Albany, St. Augusta, Rockville, Cold Spring, Richmond, Becker, Rice, Royalton, Little Falls, Monticello, St. Michael, Albertville, Rogers, Otsego, Maple Grove, Buffalo, Annandale, Rockford, Corcoran, and Central Minnesota
We hope you and your family enjoyed the holidays and had a wonderful year!
Although this is a perfect time to celebrate the New Year, it's also a great time to reflect and appreciate the past. And we want you to know that we appreciate YOU and all your past business.
2011 presented many challenges in the real estate market, but we are happy to report that the Tami and Steve team remained #1 at Coldwell Banker Burnet-St. Cloud and are still top producers and listers in all of central Minnesota. We have our many satisfied clients and friends--like you--to thank for that success!
An update for you on 2011: • 1062 homes sold in the St. Cloud area last year: an 8% increase in sales over 2010. • There were fewer homes on than market from the previous year, with inventory down 9%. (Good news for sellers!) • The average sales price on non-foreclosed homes increased by 2% for the first time since 2006. This is good news for the owners of healthy homes and looks to be an indicator that we have seen the "bottom" of the market.
Looking ahead to 2012: • Lawrence Yun, the chief economist for the National Association of Realtors, reports: "Housing affordability conditions are at a record high and there is plenty of pent-up demand from buyers." In the St. Cloud area, we have a 5 year low inventory in the housing market, which, as Yun states, "is great for sellers who want to sell their home; buyers will be out in droves waiting for their dream home to come on the market." • An example of this pent-up activity can be seen in the number of showings being conducted at this time compared to last year. In our brokerage within the last three weeks, showings have, at times, nearly doubled from those in 2010--and that is with fewer homes on the market! • All of this is good news for homeowners ready to sell. Spring market is here!
We wish you the very best in 2012 and look forward to a spectacular year!
As always, you are our best "advertising." Please let your friends, family, co-workers and neighbors know that we would love to have the opportunity to assist them in their real estate needs.
Tami and Steve
P.S. We are receiving a lot of questions about 2012 tax assessments. Please be assured that it is unlikely that your house dropped the 20-40 thousand dollars or more that you may see reflected on your statement. The Homestead Tax Credit was abolished by the Minnesota legislature in 2011, and in order to offset that credit, they dropped most tax values. This is NOT a reflection of the actual market value of your home. If you have further questions, call us. We would be happy to prepare a complimentary Market Analysis to determine your true market value.
UPSCALE HOME ---2351 Pheasant Court, St. Cloud, MN 56301
2351 Pheasant Court, St. Cloud, MN 56301
888-900-9305 Extension # 2402 Stunning Upscale Home Property Features: Pheasant Run two-story Open grand floor-plan Five bedrooms & four bathrooms Finished lower level with spacious family room and plenty of storage Manicured lot Dramatic finishing and quality detailing Back mudroom and laundry with cabinetry Maple flooring, archways, gas fireplace, stainless steel appliances Eat-in kitchen and formal dining --- great entertainment home Grand foyer with dramatic angles Upper level studio Media room
Spacious, Light and Bright This five bedroom St. Cloud home is located in a quiet neighborhood and offers a private backyard patio. The home features three finished levels including: four bathrooms, five bedrooms, spacious great room with gas fireplace, maple flooring, archways, glass and Maple finishings, media room, upper level studio, master suite with full bath and walk-in closet, and many more amenities.
CALL for details and current price: 1-888-900-9305 Ext: 2402 SEE ALL HOMES FOR SALE: http://www.i-94homes.com/home.htm Steve Hansen, Realtor, Fair Housing and Equal Opportunity Coldwell Banker Burnet
RoamHomes, is a FREE mobile property search app. It works on ALL smart phones. RoamHomes enables you to view all properties for sale listed in the MLS using GPS technology or any of your personal search criteria.
TO DOWNLOAD YOUR FREE ROAMHOMES APP: * For iPhone search your App Store for RoamHomes * For Android search your Marketplace for RoamHomes * Other devices go to: http://roamhomes.com/mobile/ When registering, use Coupon Code: 15205255
SIMILAR PROPERTIES IN: Saint Cloud, Waite Park, Sartell, Sauk Rapids, St. Joseph, Clearwater, Clear Lake, Avon, Albany, St. Augusta, Rockville, Cold Spring, Richmond, Becker, Rice, Royalton, Little Falls, Monticello, St. Michael, Albertville, Rogers, Otsego, Maple Grove, Buffalo, Annandale, Rockford, Corcoran, and Central Minnesota
A MIX OF ELEGANCE AND NATURE --- 23409 Terrace Hills Court, St. Cloud, MN 56301
ENJOY THE TERRACE HILLS LIFESTYLE --- A MIX OF ELEGANCE AND NATURE
888-900-9305 Extension # 2622
Distinctive Elegance Property Features: Wooded private lot - 1.67 acres Open grand foyer - 12' ceilings and Maple flooring Spacious floor plan highlighted by the majestic wooded views Four bedrooms (lower level ready for additional bedrooms) & four bathrooms Upper level family room --- play room --- media room or quiet studio space Manicured and tiered front landscaping with in-ground sprinklers Dramatic finishing and quality detailing throughout home Back mudroom and laundry with cabinetry and kitchen desk/computer area Dream kitchen with granite counter tops, center prep/serving island, 10' ceilings and an adjoining family room with gas fireplace Eat-in kitchen and formal dining --- great entertainment home Master suite with jet tub, walk-in shower, water closet and walk-in closet Private main floor office with French doors Security system, water softener, two-zone heating, walk-out lower level (4' sliders), 18 x 18 concrete patio
Terrace Hills Lifestyle --- a mix of elegance and nature Designed with extraordinary expectations for openness and a true appreciation for quality, this elegant home is surrounded by 1.67 acres of wooded nature. The property features two finished levels including: four bathrooms, four bedrooms, a spacious foyer open to the great room with vistas of nature, maple flooring, glass and Maple finishings, private main floor office, upper level studio, master suite with jet tub, step-in shower and walk-in closet, upper level studio and many more amenities.
CALL for details and current price: 1-888-900-9305 Ext: 2622 SEE ALL HOMES FOR SALE: http://www.i-94homes.com/home.htm Steve Hansen, Realtor, Fair Housing and Equal Opportunity Coldwell Banker Burnet RoamHomes, is a FREE mobile property search app. It works on ALL smart phones. RoamHomes enables you to view all properties for sale listed in the MLS using GPS technology or any of your personal search criteria.
TO DOWNLOAD YOUR FREE ROAMHOMES APP: * For iPhone search your App Store for RoamHomes * For Android search your Marketplace for RoamHomes * Other devices go to: http://roamhomes.com/mobile/ When registering, use Coupon Code: 15205255
SIMILAR PROPERTIES IN: Saint Cloud, Waite Park, Sartell, Sauk Rapids, St. Joseph, Clearwater, Clear Lake, Avon, Albany, St. Augusta, Rockville, Cold Spring, Richmond, Becker, Rice, Royalton, Little Falls, Monticello, St. Michael, Albertville, Rogers, Otsego, Maple Grove, Buffalo, Annandale, Rockford, Corcoran, and Central Minnesota
GET THE PRICE OF EVERY HOME LISTED FOR SALE... ...ON THE MLS.
RoamHomes, is a FREE mobile property search app. It works on ALL smart phones. RoamHomes enables you to view all properties for sale listed in the MLS using GPS technology or any of your personal search criteria.
TO DOWNLOAD YOUR FREE ROAMHOMES APP: * For iPhone search your App Store for RoamHomes * For Android search your Marketplace for RoamHomes * Other devices go to: http://roamhomes.com/mobile/ When registering, use Coupon Code: 15205255
About Tami DeLand and Steve Hansen's Saint Cloud and Central Minnesota, MN Real Estate Website: The www.I-94homes.com web site provides Saint Cloud, Waite Park, Sartell, Sauk Rapids, St. Joseph, Clearwater, Clear Lake, Avon, Albany, St. Augusta, Rockville, Coldspring, Righmond, Becker, Rice, Royalton, Little Falls, Monticello, St. Michael, Albertville, Rogers, Otsego, Maple Grove, Buffalo, Annanndale, Rockford, Corcoran, and Central Minnesota, Minnesota real estate information and resources to guide homeowners, homebuyers and real estate investors through the process of selling and buying a house, condo or other realty property in the Saint Cloud and Central Minnesota area. Tami DeLand and Steve Hansen (sometimes misspelled as Tammy DiLand, Tammi Deeland, Steven Hanson or Stephen Hanson) have services to help you get the best value for your Saint Cloud and Central Minnesota home and this website offers home buyers and home sellers a superior comparative market analysis (CMA), a way to view real estate and MLS IDX listings including virtual tours, prepare your home for sale, and more. Investors looking for real estate investment properties to invest in need look no farther. Anyone selling a home, buying a home or seeking housing can learn more about our realty services, and will appreciate working with Saint Cloud and Central Minnesota REALTORs who know the area so well. Through trusted partners, we also provide real estate and financial services to consumers looking for houses for sale or selling their home in Saint Cloud and Central Minnesota, MN, such as mortgages, credit history, new homes, foreclosures and other services. If you've already tried to go the for sale by owner (FSBO) route and find you are needing a partner who you can trust in the sale of your most precious asset, Tami DeLand and Steve Hansen can take care of your special needs. It really doesn't matter if you spell it REALTOR, Realator or Realter, realty, realety or reality, real estate or realestate, Tami and Steve speak your language.
