White Bear Lake MN Real Estate & Homes For Sale
     Thinking about buying or selling a home? 

Deb Casper of RE/MAX Specialists can help!

 

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, North Oaks, Oakdale, Centerville , Hugo , Lino Lakes , Maplewood, North St Paul,  Shoreview, Woodbury, plus all of Ramsey,, Anoka, and Washington Counties. 


Take a look at my new blog  - The Homebuyer Tax Credit has been extended! 
Click
here for full story! 

Here are the basic facts:   For First Time Homebuyers or those who have not owned a home within 3 years, the tax credit remains at $8000, with new higher income restrictions maxing out at $125,000 for single persons and $225,000 for married persons. For Repeat Buyers – those defined as having owned a home for five consecutive years of the previous eight years – the credit is $6500, with the same income restrictions. To qualify for the new program, purchase agreements need to be signed by April 30, 2010 and close by June 30, 2010.  For some of those in our Armed Forces, stationed outside the United States on official duty for 90 days during the period from January 1, 2009 and before May 1, 2010 will have eligibility extended for an additional year!

Call  for more info:  651-407-7864

 

Do you have questions about short sales and foreclosures?  I can help!  I've just been certified as a Short Sale and Foreclosure Resource!  The Treasury Department has just released GUIDELINES on to streamline the process with the banks.  If you are in over your head on your home mortgage due to a hardship such as a job loss or divorce call today - I can help!  Take a look at my new BLOG on the subject. 

 

Here's my 6 Tips for Homebuyers blog too - take a minute to read this one for tips

for people thinking of  buying a home in today's volatile market.

 

  Here's another one recently posted with a Great Dog Story, plus a photo of my recently passed Lexi, the best dog there ever was.

 

      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, a Short Sale and Foreclosure Resource, 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 

 

GREAT RATES!   CURRENT AVERAGE MORTGAGE RATES on Friday, December 11, 2009:  
  • 30 Year fixed range from 4.75%   Loan amounts to $417,000.
  • 15 Year fixed range from 4.375%
  • 30 Year Jumbo fixed range from 5.875%    Loan amounts over $417,000
  • 15 Year Jumbo fixed range from 5.625% 
  • Adjustable Rates vary from a low of 4.125% (for 5 years!) 

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

 

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:

Now through April 30, 2010 is a particularly great time for both first time and repeat buyers 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.
  • Interest rates have declined to their lowest rates in 30 years!  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!  Plus it extends $6500 for repeat buyers too!
  • 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 and up to $6500 for repeat buyer's 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. Repeat buyers are those who have owned their current home for 5 of the last 8 years.  It MUST be a primary residence to qualify.

  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! 

      REMAX Balloon.jpg          Specialists_6.jpg              CMNLogo.gif

 

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Deb Casper
  • Deb Casper

  • REALTOR®, CRS®, e-PRO® , SFR®
  • 651-407-7864
  • Email Me