White Bear Lake MN Homes for Sale & Real Estate by Deb Casper

Are you thinking about buying or selling a home?

You are in the RIGHT PLACE!

Deb Casper, Re/Max Specialists REALTOR, can help!

Take a look at my blog: click here

Welcome to the #1 BEST site for Real Estate Information serving the entire Twin Cities of Minneapolis and Saint Paul. We specialize in the northeast metro area, including White Bear Lake, Stillwater, Grant, Dellwood, Mahtomedi,,Lake Elmo, Oakdale, Centerville , Hugo , Lino Lakes , Maplewood, North St Paul, Shoreview, Woodbury, plus all of Ramsey,, Anoka, and Washington Counties.

FIRST TIME HOME BUYERS! Call me for information on the new programs and what it takes to buy a home or town home in today's market. I can guide you through the steps to get you in your home so that you can qualify for the $8000 tax credit! Call 651-407-7864

VETERANS! Do you have questions about VA Home Loans and your Entitlement? Call TODAY 651-407-7864

Deb Casper is an experienced REALTOR®, an e-PRO Certified Internet Specialist, and a Certified Residential Specialist with RE/MAX Specialists, White Bear Lake. Contact her anytime at: 651-407-7864

Feel free to browse Open Houses , download FREE reports or Search for Homes listed for sale at your leisure!

Looking for a great school search site? Look no further - click here You can search for individual school information or search for public and/or private schools in any area in the country. Check it out!

We believe the process of buying and selling a home should be a fun and rewarding experience. Thus, our goal is to exceed your expectations while providing exceptional service. Learn About Deb Learn about RE/MAX

Let me know if you have any questions. Happy hunting! Deb (651-407-7864)

Mailto: Deb@DebCasper.com

CURRENT MORTGAGE RATES on July 2, 2009:

30 Year fixed range from 5.25% Loan amounts to $417,000.
20 Year fixed range from 5.25%
15 Year fixed range from 4.75%
30 Year Jumbo fixed range from 6.375% Loan amounts over $417,000
15 Year Jumbo fixed range from 6.125%
Adjustable Rates vary from a low of 5.5%

Note: Your credit scores, down payment, and closing date will affect these numbers.

FIRST-TIME HOMEBUYERS TO GET BIG TAX CREDIT!

First-time buyers can claim a credit worth $8,000 - or 10% of the home's value, whichever is less - on their 2008 or 2009 taxes. To qualify for the credit.

The purchase must be completed between Jan. 1, 2009 and Nov. 30, 2009.
Buyers may not have owned a home for the past three years to qualify as "A first time" buyer.
No requirement for repayment: repayment is now required only if the home is sold within the first 3 years.
Buyers must make less than $75,000 for singles or $150,000 for couples. (Higher-income buyers may receive a partial credit.)

The credit is refundable, meaning tax filers see a refund of the full $8,000 even if their total tax bill - the amount of withholding they paid during the year plus anything extra they had to pony up when they filed their returns - was less than that amount. Check with your tax advisor!

NOTE: The National Association of Realtors continues to push congress to up the credit to $15,000 for ALL home buyers - watch here for updates!

Is this the best time to list your home for sale in our current economy? Click here to find out!

Why NOW is a Great Time to Buy:

This year is a particularly great time for first-time buyers or buyers long out of the market to jump in, say a variety of real estate professionals. This is one of those times that if you don't buy NOW, a couple years down the road you will wish you had.

Here are the reasons why:

Prices are probably as low as they are going to go as the market stabilizes, thanks to the government takeover of Freddie Mac and Fannie Mae.

Interest rates have declined to their lowest rates in 30 years! We are now in the mid-4% bracket! This should stimulate the economy more than anything else the government could do!

The new stimulus package includes a direct tax credit for first time buyers of owner occupied properties, up to 10% of purchase price with a maximum of $8,000 tax credit! Don't miss out!

The FHA allows down payments of as little as 3.5 percent! People scraping dollars together for a down payment should be able to qualify under the new guidelines.

The tax credit will shave up to $8000 off a first-time buyer’s 2009 federal tax bill. Buyers who don't owe tax, will get the money as a refund. PLUS, the NAR has successfully campaigned to allow buyers to keep that credit, in other words, you'd NEVER have to pay it back!

*The government's definition of a first-time buyer is anyone who hasn’t owned a home in the last three years.

Click here for THE SECRET TO PRICING YOUR HOME TO SELL!

Don't miss out - click here and scroll down to read the best dog story I've ever heard! It's worth it!

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Deb Casper