Central Minnesota Real Estate Blog

WATERFRONT OR WATER ACCESS PROPERTIES

2009-01-06T11:03:00.004-08:00

To View Properties For Sale in All of Minnesota... Click on the appropriate HEADING link. Of course, if you have any questions or need real estate help, let me know. Thanks for visiting! Steve Cash

WEST ST CLOUD - TOWNHOMES & PATIO HOMES

2009-01-06T11:03:00.003-08:00

WEST ST CLOUD, MINNESOTA - HOMES

2009-01-06T11:03:00.001-08:00

WAITE PARK, MINNESOTA HOMES

2009-01-06T11:02:00.003-08:00

WAITE PARK - TOWNHOMES & PATIO HOMES

2009-01-06T11:02:00.001-08:00

SURROUNDING ST CLOUD, MN - HOMES

2009-01-06T11:01:00.002-08:00

SURROUNDING ST CLOUD AREA - TOWNHOME & PATIO HOMES

2009-01-06T11:01:00.001-08:00

ST JOSEPH, MINNESOTA HOMES

2009-01-06T11:00:00.002-08:00

ST JOSEPH - TOWNHOMES & PATIO HOMES

2009-01-06T11:00:00.001-08:00

ST CLOUD AREA - MOBILE HOMES

2009-01-06T10:59:00.001-08:00

ST CLOUD AREA - FARMS

2009-01-06T10:58:00.002-08:00

ST CLOUD AREA - ALL TOWNHOMES & PATIO HOMES

2009-01-06T10:58:00.001-08:00

ST CLOUD AREA - ALL SINGLE FAMILY HOMES

2009-01-06T10:57:00.001-08:00

SOUTHEASTERN MINNESOTA - PROPERTIES

2009-01-06T10:56:00.002-08:00

SOUTH ST CLOUD - TOWNHOMES -PATIO HOMES

2009-01-06T10:56:00.001-08:00

SOUTH - ST CLOUD HOMES

2009-01-06T10:55:00.002-08:00

SAUK RAPIDS, MINNESOTA - HOMES

2009-01-06T10:55:00.001-08:00

SAUK RAPIDS - TOWNHOMES & PATIO HOMES

2009-01-06T10:53:00.002-08:00

SARTELL, MINNESOTA - HOMES

2009-01-06T10:53:00.001-08:00

SARTELL - TOWNHOMES & PATIO HOMES

2009-01-06T10:24:00.000-08:00

PROPERTIES - FERGUS FALLS-PELICAN RAPIDS-UNDERWOOD

2009-01-06T10:12:00.001-08:00

NORTH ST CLOUD TOWNHOMES-PATIO HOMES

2009-01-06T10:11:00.001-08:00

NORTH - ST CLOUD HOMES

2009-01-06T10:10:00.000-08:00

NEW HOMES - ST CLOUD, MN AREA

2009-01-06T10:09:00.000-08:00

LAND OR LOTS FOR SALE

2009-01-06T10:08:00.000-08:00

INVESTMENT PROPERTIES

2009-01-06T10:02:00.002-08:00

HOMES WITH ACREAGE

2009-01-06T10:02:00.001-08:00

HOMES 5 YEARS OR NEWER - ST CLOUD AREA

2009-01-06T10:01:00.000-08:00

GOLF COURSE HOMES

2009-01-06T10:00:00.000-08:00

FORECLOSURE PROPERTIES - ST CLOUD, MN AREA

2009-01-06T09:59:00.002-08:00

FEATURED HOMES - STEVE CASH LISTINGS

2009-01-06T09:59:00.001-08:00

EXECUTIVE HOMES - ST CLOUD, MN AREA

2009-01-06T09:57:00.000-08:00

EAST ST CLOUD - TOWNHOMES -PATIO HOMES

2009-01-06T09:56:00.000-08:00

EAST - ST CLOUD, MINNESOTA - HOMES

2009-01-06T09:55:00.000-08:00

COMMERCIAL PROPERTIES - ST CLOUD, MN AREA

2009-01-06T09:49:00.000-08:00

BEMIDJI AREA PROPERTIES

2009-01-06T09:48:00.000-08:00

AUCTION PROPERTIES - CENTRAL MINNESOTA

2009-01-06T09:43:00.000-08:00

Click to view these properties

Why Buy A Home???

2008-08-11T13:35:00.000-07:00

Why Own?

There are many great reasons to consider owning a home:

You'll have a place that is yours!
You'll own it, have a place to raise your children and become a part of your community. You can pass your home down to your children, and their children, creating security for generations to come.

You may pay less to own a home than you would to rent – and it's yours at the end!
Homeownership can reduce the federal income taxes you pay. You can deduct the interest on your home mortgage and property taxes you pay on your home on the tax returns you file each year. These tax savings partially reduce, or offset somewhat, the actual cost of owning your home.

Your monthly payments won't ever go up if you choose a fixed-rate mortgage!

If you choose a mortgage with a fixed-interest rate (one that stays the same for the life of the loan, say 30 years), you'll pay the same mortgage payment each month for the entire 30 years of the loan (if your taxes go up, your escrow will go up – increasing your monthly payment).

You'll build a good nest egg!

Owning a home and building equity is the single greatest source of financial security and independence for the majority of people who've taken this step.

A New Year is upon us.

2008-01-02T06:30:00.000-08:00

My friends, whether we like it or not, the new year is here and with that it means change for us all.

I know I've already set some guidelines for myself for the next year that I plan on trying to uphold to the best of my abiltiy. I believe that with goals it's important to remember that the process of striving for a certain goal is the most important part, not the acquisition of the goal itself although that is the end desire.

Don't be hard on yourself this coming year, take everything in stride, one day at a time and when the going gets tough, it's ok to sit down for a bit, consider the options, - then ask for help and we will make it through together.

The important thing is that you learn to end those tears with a smile or a laugh at how silly you feel for taking life so seriously....remember, as Elbert Hubbard once said "Don't take life too seriously. You'll never make it out alive anyway."

That message is not to be taken in a finalist and dark viewed way, it should be more of the spark of fire that sits within you when you are wondering whether to begin that new project, talk to that beautiful girl or guy or do that wild and crazy thing that you always wondered about but were too afraid to try.

Life is about risk and adventure and stepping outside your house or apartment or whereever you live and looking out at the world and taking that deep breath....and rather than being overwhelmed by it, embrace it.

Life is 1% what happens to you and 99% how you react to it.

Having seen the movie I Am Legend recently got my gears turning, no so much about the movie content but the title of the movie and how it relates to the character. A single man surviving in an environment that he called home and then one day turned upside down on it's head and he makes the decision....to keep pushing onward, to find a cure, to save himself and others. I think the important thing about the character and the title is how the main character amplified the title's meaning. For yourself, in your reality, become a legend.

Become that thing that is remembered by friends, foes, old and young for what special purpose has come to be placed in you and using you as a conduit for it's expression in this world.

In summary, I guess I'm trying to put out a little of the input I need to be taking. This year, I have new horizons to travel, new things to try, new people to meet, new ideas to let bloom and all at one day at a time. I encourage all of you reading this to make 2008 the year you try that something new, talk to that new person, go to that new place, think of a new idea.....and become a legend!

My best to you throughout 2009!

Steve Cash

Thinking of how to store all those Holiday Items?

2007-12-18T13:13:00.000-08:00

Setting up the Christmas decorations is always fun. (OK, so maybe affixing lights to the house doesn't fill you with holiday cheer.) But taking everything down, packing it away, and finding a place to put it is enough to put the bah-humbug in anyone. To save your sanity when it comes to storage, try a few of these ideas:

First, plan your packing. Are you hurting for storage space? If so, eyeball all the decorations you have (tree ornaments and otherwise) to get a sense of how much you need to contend with -- and to make mental notes of sizes and shapes. Creative packing (rolling up knit stockings to stick into a box's nooks and crannies) will help you save space.

Pack to avoid breakage. You can use the boxes your ornaments came in, then pack those boxes away in a larger box. You can use divided boxes, such as those from wine stores, and use some padding between each ornament. Or, you can look for boxes specially designed to hold rows of ornaments. (Those may take up more space than necessary if you don't have much on your tree, or if you have tons of ornaments, many of which aren't breakable. Make sure you know how many you have and how many the box will hold.)

If you don't have original boxes or specially designed ornament boxes, wrap breakables in newspaper or tissue paper (using the stuff that lined all those gift boxes you received helps you recycle) and tuck them inside shoe boxes. Then pack the shoe boxes into a larger box. This method also lets you group your ornaments -- cherished ornaments, goofy ones, homemade ones, etc. -- making it easier to decorate next year.

(Try office supply, computer, liquor and grocery stores for free, used boxes; or call moving companies or truck-rental places to buy really sturdy ones.)

Use the tools. The plastic spools or holders you can wrap your lights around really help keep them from getting tangled. If you don't want to buy them, use strips of cardboard (about 12 inches wide by 18 inches long -- whatever will fit in your boxes), make little cuts on each side about one inch apart, and wrap your lights around these, hooking the strand in those notches. Use zipper-locking plastic bags to hold the extra bulbs that go with each strand, and twist-tie or tape them to the strand of lights near the plug. Or, if your lights are interchangeable, dig amongst your presents for a small box that can hold all your extra bulbs and even your Christmas light tester if you have one. Do you use a multi-outlet extension post only at Christmas? Go ahead and pack it away with the outdoor lights.

For gift wrap, I like the tall, rectangular organizers -- the ones big enough to hold the supersize rolls. Often, the lid has a compartment for scissors, tape and gift tags. (An under-bed box works, too, but I prefer the organizers that stand up.) I use a separate plastic box for ribbon and bows. I fold up all the gift bags and tuck them inside the largest gift bag. I follow suit with tissue paper, tucking it inside the tissue paper bag, or using a gallon-size plastic bag, or even one of the gift bags. Since I often buy generic gift wrap (silver paper with no decorations, for instance) and can use it for birthday and other gifts, I don't pack my gift wrap away with the decorations. Instead, it's in the corner of a closet for easy access throughout the year.

Pack what you wouldn't expect. Remember those holiday-themed tablecloths, bathroom towels and platters? You won't be using them again until next December, so why not free some space in your kitchen and closets and pack them away with your decorations. If you only use the cookie decorator or the red serving dish at Christmas, pack that away, too.

Pack in reverse order. Segregate your decorations by use: tree ornaments, outdoor lights, indoor lights, indoor decorations, outdoor decorations. Put those extension outlets on the top of the box so you can test lights before you hang them up. Put your tree skirt on the top of a box of ornaments or indoor decorations since you'll put that down first. (We also have a pad under our tree to avoid water damage, and that goes with the tree skirt on top, since it must go under the tree stand.) If you put tinsel garlands on before ornaments, make sure you haven't buried the garlands at the bottom of the box.

Label the boxes. Knowing what's inside a box makes life so much easier and makes decorating that much faster. "Christmas Decorations" is not enough. Be specific (indoor decorations) and, if you're so inclined, follow that description with a list of the things in that box (stocking holders, manger scene, centerpiece, etc.).

Find a home for the boxes. If you're keeping them in a garage or basement, consider the possibility of water damage -- either use plastic bins for storage or keep the boxes off the floor. We slip our boxes into the nook underneath the stairs in our basement. It's an awkward space to access, but we only deal with it once a year. If you've labeled your boxes well, you'll know not to toss the heavy tree stand on top of a box of fragile ornaments. Still, you'll want to keep the "first" boxes in front or on top -- the tree stand and skirt, the outdoor lights -- whatever you always set up first. No need to get out all the boxes at once if you don't decorate all at once.

Shelving units make storage easier -- assuming your boxes fit on the shelves. Measure your boxes before you buy the shelves (or vice versa). You can purchase hanging shelves for the rafters in your garage, creating instant overhead space for decorations. (Be sure to heed weight limitations.)

It takes time to pack things properly, but you'll be so glad you did it when you pull out your decorations next year, and it'll make packing things up next year a million times easier. Happy holidays, everyone!

Freedom & Individualism

2007-12-04T08:15:00.000-08:00

When you rent, you are normally limited on what you can do to improve your home. You have to get permission to make certain types of improvements. Nor does it make sense to spend thousand of dollars painting, putting in carpet, tile or window coverings when the main person who benefits is the landlord and not you.

Since your landlord wants to keep his expenses to a minimum, he or she will probably not be spending much to improve the place, either.

When you own a home, however, you can do pretty much whatever you want. You get the benefits of any improvements you make, plus you get to live in an environment you have created, not some faceless landlord.

Condos-Townhomes-Patio Homes For Sale in the St Cloud, MN Area

2007-11-27T08:42:00.000-08:00

For mor home details, visit www.CashTeamAdvantage.net

$300,000 & Up Homes in The St. Cloud MN Area For Sale

2007-11-27T08:40:00.000-08:00

For more home details, visit www.CashTeamAdvantage.net

$200,000 - $300,000 St Cloud, MN Area Homes For Sale

2007-11-27T08:38:00.000-08:00

For more home details, visit www.CashTeamAdvantage.net

$141,000 - $200,000 St Cloud, MN Area Homes For Sale

2007-11-27T08:34:00.000-08:00

For more home details visit www.CashTeamAdvantage.net

$100,000 - $140,000 St Cloud MN Area Homes For Sale

2007-11-27T08:21:00.000-08:00

For more details visit www.CashTeamAdvantage.net

Your Relocation Guide Tips

2007-11-26T14:50:00.000-08:00

When it comes to moving to a new state or city other than the one that you grew up in and lived in, there are some things that you should do to ease you into the prospect of living elsewhere. It's wise to learn as much as you can about the new state that you are moving to. A lot of people think that all of the states in America are the same or similar. After all, it's all the same country. If you think that way, you will be surprised to find out that you are wrong. A state like New York is quite a bit different than a state like Minnesota. In fact, they are so different that it can actually be quite a culture shock to move between the two. To help you settle into wherever you plan on moving, you can read a relocation guide that can help you know more. Relocation guides are great because you can easily find one that is individually about the state that you are planning on relocating to. Then you will have a little guide that tells you everything you need to know about living and working in your new home state.
There are several ways that you can find an adequate state-related relocation guide. A good first step is to visit a bookstore or library. These places will have large sections on travel and books on different areas of the country. You should look for relocation guides that are specific to the state that you are moving to. You can find a relocation guide at my website www.SteveCash.net Although it is helpful to read a guide about the general area of the United States that your state will be located in, it is better to find information that is a bit more direct and specialized. This state information will be more directly helpful to you for before, during, and after your move.
Another way to find this kind of information is by doing a search for relocation guides on the internet. This kind of guide is sometimes better than a book you would find in the library because it is often more up to date. Then again, the information in a book is generally more reliable. Because of these two points, you should try to look for your information by using both methods. Then you will get a varied amount of information from several different sources. Once you find your relocation guide, you will then be able to know more about the area that you are planning to move to. You will know what to expect and what culture will be present there.

Steve Cash www.CashTeamAdvantage Steve@SteveCash.net

The Business Cycle and Buying a Home

2007-11-21T10:35:00.000-08:00

Recession and Expansion
There are times when the economy is brisk and everyone feels confident about his or her prospects for the future. As a result, they spend money. People eat out more, buy new cars, and…. …they buy new homes.

Then, for one reason or another, the economy slows down. Companies lay off employees and consumers are more careful about where they spend money, perhaps saving more than usual. As a result, the economy decelerates even further. If it slows enough, we have a recession.

During such a time, fewer people are buying homes. Even so, some homeowners find themselves in a situation where they must sell. Families grow beyond the capacity of the home, employees get relocated, and some may even find themselves unable to make their mortgage payment - perhaps because of a layoff in the family.

When the supply of available houses is greater than the supply of buyers, appreciation may slow and prices may even fall, as happened in the early eighties and the early to mid-nineties.

If you are lucky enough to purchase a home during a slow period, you can be reasonably certain the economy will begin to show strength again. At times, real estate values may even surge drastically. In many regions of the country, this is precisely what occurred in the late eighties and nineties.

Should You Try to "Time the Market"?
One problem with attempting to time your purchase to the business cycle is that no one can accurately predict the future. Another challenge is that interest rates are generally higher during a depressed market and income may not be keeping up. For that reason, fewer people can qualify for a home purchase than in more prosperous times.

Why You Should Not Wait
Plus, this strategy generally works best for first-time buyers. People who already have a home usually need to sell it in order to buy their next one. If a "move-up" buyer wants to buy a home during a depressed market, that means they usually have to sell one during the slow market, too. If a seller wants to sell his home to take advantage of a "hot" market when prices are fairly high, they generally have to buy their next home during that same hot market. It tends to equal out. Finally, the business cycle can change over time. Since 1983, we have had two fairly long expansions with only a slight recession in between each. You would not want to wait nine years to buy a home, would you? You could miss out on a substantial amount of appreciation by waiting, and end up paying much higher prices.

Steve Cash www.CashTeamAdvantage.net Steve@SteveCash.net

Happy Thanksgiving

2007-11-20T09:39:00.000-08:00

A Happy Thanksgiving wish for you, or to pass on to someone you care about. Thanks for your business! :) I hope you'll enjoy my greeting by clicking on the link below. It's full of interesting facts and links. Simply click on the link below to view your Card from Steve Cash. Please feel free to pass it on to others; friends, relatives, etc

http://MNContent.com/cards/HoliCard.idc?LoginID=cash

If you know of anyone else interested in receiving our mailings, please give us their information or have them give us their e-mail address. We send a monthly newsletter as well as other miscellaneous items such as this one. We pray that you and your families are in good health and that all is going well for you.

If you or someone you know is going to be a buyer, visit our website: www.SteveCash.net for the following Free reports: “How to STOP Paying Rent & Own Your Own Home!” “Buy a Home with No Money Down!” “Things You Must Know Before You Buy!”: Know someone thinking of selling, visit our website: www.SteveCash.net for the following Free reports: “Mistakes to Avoid When Moving to a Larger Home” “Quick & Easy Fix Up’s to Sell Your Home Fast and for Top Dollar”

Steve Cash www.CashTeamAdvantage.net Steve@SteveCash.net

What do all of those real estate Acronyms mean?

2007-11-16T08:56:00.000-08:00

Question: What do all of those real estate acronyms in the ads mean?

Answer: If you find yourself stumbling over weird acronyms in a real estate listing, don't be alarmed. There is method to the madness of this shorthand (which is mostly adopted to save money in advertising charges). Here are some abbreviations and the meaning of each, taken from a recent newspaper classified section:
* assum. fin. -- assumable financing * dk -- deck * gar -- garage (garden is usually abbreviated "gard") * expansion pot'l -- may be extra space on the lot, or possibly vertical potential for a top floor or room addition. Verify actual potential by checking local zoning restrictions prior to purchase. * fab pentrm -- fabulous pentroom, a room on top, underneath the roof, that sometimes has views * FDR -- formal dining room (not the former president) * frplc, fplc, FP -- fireplace * grmet kit -- gourmet kitchen * HDW, HWF, Hdwd -- hardwood floors * hi ceils -- high ceilings * In-law potential -- potential for a separate apartment. Sometimes, local zoning codes restrict rentals of such units so be sure the conversion is legal first. * large E-2 plan -- this is one of several floor plans available in a specific building * lsd pkg. -- leased parking area, may come with an additional cost* lo dues -- find out just how low these homeowner's dues are, and in comparison to what? * nr bst schls -- near the best schools * pvt -- private * pwdr rm -- powder room, or half-bath * upr- upper floor * vw, vu, vws, vus -- view(s) * Wow! -- better check this one out.
Steve Cash www.CashTeamAdvantage.net Steve@SteveCash.net

Contingencies in a Purchase Agreement

2007-11-15T13:33:00.000-08:00

In most purchase transactions there may be a slight challenge or two, but most things will go quite smoothly. However, you want to anticipate potential problems so that if something does go wrong, you can cancel the contract without penalty. These are called "contingencies" and you must be sure to include them when you offer to buy a home.

For example, some "move-up" buyers often agree to purchase a home before selling their previous home. Even if the home is already sold, it is probably a "pending sale" and has not closed. Therefore, you should make closing your own sale a condition of your offer. If you do not include this as a contingency, you may find yourself making two mortgage payments instead of one.

There are other common contingencies you should include in your offer. Since you probably need a mortgage to buy the home, a condition of your offer should be that you successfully obtain suitable financing. Another condition should be that the property appraises for at least what you agreed to pay for it. During the escrow period you are likely to require certain inspections, and another contingency should be that it pass those inspections.

Basically, contingencies protect you in case you cannot perform or choose not to perform on a promise to buy a home. If you cancel a contract without having built-in conditions and contingencies, you could find yourself forfeiting your earnest money deposit. Or worse.

Steve Cash www.CashTeamAdvantage.net Steve@SteveCash.net

Details of a Listing Contract - Price & Terms

2007-11-14T08:09:00.000-08:00

Obviously the name of the seller and the property address will be included in the listing contract. There are many other things that are included, too, and you should be aware of them.

Price and Terms of Sale
When setting the terms of sale, the main thing you are concerned with is the price. You should have a basic idea of what your home is worth by keeping track of other sales in the neighborhood. Plus, you have probably interviewed a real estate agent and he or she has given you their own ideas. Exercise great care in determining your asking price, making sure not to set it too high or too low.
In addition to the price, you will disclose what personal property, if any, goes with the house when you sell it. Personal property is anything that is not attached or fixed to the home, such as washers, dryers, refrigerators, and so on.
There may be some item that is considered "real property" that you do not intend to include in the sale. Real property is anything that is attached to the home. For example, you may have a chandelier that has been in your family for generations and you take it from home to home when you move. Since the chandelier is attached to the house, it is considered "real property" and a reasonable buyer would normally expect it to go with the house.

Steve Cash
For additional information feel free to visit www.CashTeamAdvantage.net

Should You Try to "Time the Market"?

2007-11-13T14:34:00.000-08:00

One problem with attempting to time your purchase to the business cycle is that no one can accurately predict the future. Another challenge is that interest rates are generally higher during a depressed market and income may not be keeping up. For that reason, fewer people can qualify for a home purchase than in more prosperous times.

Why You Should Not Wait
Plus, this strategy generally works best for first-time buyers. People who already have a home usually need to sell it in order to buy their next one. If a "move-up" buyer wants to buy a home during a depressed market, that means they usually have to sell one during the slow market, too. If a seller wants to sell his home to take advantage of a "hot" market when prices are fairly high, they generally have to buy their next home during that same hot market.
It tends to equal out.

Finally, the business cycle can change over time. Since 1983, we have had two fairly long expansions with only a slight recession in between each. You would not want to wait nine years to buy a home, would you? You could miss out on a substantial amount of appreciation by waiting, and end up paying much higher prices.

What the Heck Is a Short Sale?

2007-11-12T13:26:00.000-08:00

Over the last several years a lot of buyers have bought homes, intending to live in them for many years, then something happened - maybe good, maybe bad, but regardless - they don't have a choice. Some owners have to move.
When most homeowners move, they sell their house. Usually, that's not a problem. For some people nowadays, it is a problem.
Because of the easy financing, rampant speculation, flipping, and sometimes fraud, home values skyrocketed most everywhere. That came to an end recently and values plummeted in some areas. Even when values are stable, sometimes there just isn't enough money in the property to pay off the mortgage, then pay all the selling costs and moving costs. What happens then? Default, sometimes bankruptcy, and maybe even foreclosure. Or a short sale.
A short sale is when the lender agrees to accept a mortgage payoff that doesn't cover the outstanding loan.
Why do lenders accept short sales? Lenders almost always lose money when they foreclose on property. In many cases, they will lose less money through a short sale than they would by foreclosing on the home and selling it as a bank-owned property. However, there are rules. The borrower must experience a genuine financial hardship. If this fits, call the lender. Talk to customer service or the collection department and let them know what is going on. That way, knowledge of your hardship is communicated to the lender and becomes a part of their files. Keep your own communication log. Eventually, you will have to document the hardship and your inability to deal with it financially by disclosing all your assets. Bank statements, stocks, bonds, tax returns, pay stubs -- the lender will want to see everything that may document that you are not hiding assets or income.
The lender will not make a commitment based solely on your hardship. You're also going to have to put your home on the market and sell it.
Once you sell the property, you have to supply additional documentation. When the property is listed, your real estate agent prepares a comparative market analysis. You're going to need that and you will need to supply a copy to the lender, along with your hardship letter, the documents mentioned above, a copy of the purchase agreement, and a "net sheet" showing how much you will net (or lose) from the sale of the home.
It may be that you actually want your real estate agent Steve Cash or some other professional to negotiate with your lender. If so, you need to prepare an authorization letter. That letter includes your name, property address, loan number, your representative's name, the date and your notarized signature. Your agent will know almost all of this and have the proper format.
Then Steve submits it all to your lender and...you wait.
Normally, your lender can't make the decision to accept a short sale on their own. If there is mortgage insurance, they get a say-so. Your mortgage has an investor. The investor gets a say-so.
If the deal "makes sense", they believe your hardship is genuine, and you do not own any other property -- you may get a "yes" decision. Your chances go up markedly if you have someone experienced negotiating for you.
Oh yes. If your lender does forgive part of your debt, there is something you should also know. Debt forgiveness is taxable income. The IRS will require you to pay taxes on that income.

www.CashTeamAdvantage.net
www.SteveCash.net

Why The St. Cloud, MN area for a new home?

2007-11-12T12:04:00.000-08:00

Located about 60 miles north of the Twin Cities of Minneapolis & St. Paul, Minnesota, the city of St Cloud and the surrounding cities of Sauk Rapids, Sartell, St Joseph, Clearwater and Waite Park can offer you the quality of life that is beyond compare. St. Cloud, St. Joseph and Collegeville, proud to be home to St. Cloud State University, St. Benedict University, and St. John's University is rich in charm, history, and culture.There are so many reasons why people are drawn to this beautiful and prosperous area to call home. In addition to the rich cultural life, residents also enjoy a strong sense of community. Each year, neighbors come together from all the surrounding communities to enjoy a variety of festivals and celebrations. Safe family-friendly neighborhoods are abundant, the climate is pleasant with a variety of wonderful seasons, and commutes are short. The area is also rich in natural beauty, and residents and visitors can enjoy an array of recreational opportunities in the area's many many parks.If you are searching for a home in St. Cloud or one of the surrounding communities of Sartell, Sauk Rapids, Waite Park, Clearwater, St. Joseph and Avon, The Steve Cash Real Estate Team would love the opportunity to work with you to make your dreams come true. You will find that The Steve Cash Team's detailed knowledge of real estate, the area, listening ability, caring, and dedication to your personal needs will provide you with a real estate experience that exceeds your expectations. Contact the Steve Cash Real Estate Team today for all of your Central Minnesota area real estate needs.