Home for Sale


243 Mainzer St West St Paul Mn

$157,900.00

You will be amazed at all this home has to offer.  Wonderful location close to parks, schools, freeway enterances and so much more.  Schedule your private showing today with RE/MAX Advantage Plus 500 Marschall Rd #200 Shakoppe, 952.224.8800.  Immaculate hardwood floors on main level, 3 bedroom, 2 bath, finished lower level, fenced back yard and so much more.

I Need to Hire a Contractor. What Should I Know or Do?


Many people are opting to stay in their current homes and remodeling and not building a new home or moving into a different home. Not sure how to do the work and want to hire a contractor? Where do you find a good contractor, what questions should you ask, how much should they charge? These are all probably questions you are asking yourself.

The first thing that I tell people is ask around. The best information we can gather is from friends and family. They may have information of a person that they used that was outstanding, not so good or didn’t do what they want. So, be sure to let people know you are looking for a referral and see what they have to say.

Once you find the person you want to work with, call the Better Business Bureau. You are going to want someone who is licensed & insured so if something happens during the process, whether to them, you or someone in your family, they will be able to pay for any of the medical or correction items needed. Tell the contractor that you would like to speak with 3 different UNRELATED people they have worked for. The reason you want someone who is unrelated to your contractor, is we all know we will vouch in a positive way for our family members that need a referral. While you are on the phone with these testimonial persons, here are a few questions you may want to ask:

~Was the contractor and employees courteous & thoughtful to your home, space & your privacy.

~Do they feel the job was appropriately charged.

~Did the contractor do a good clean up job at the end of the project to make sure that the area and surrounding rooms were clean & tidy.

~Were they on time according to the schedule you agreed to upon the signing of the contract.

~Was there continual contact during the project, whether they were running late, not able to make it that day or acknowledgment was given for any other reasons/days they were not going to be able to make it.

~If the project goes over the projected finish date, did/does the contractor give discounts for your inconvenience.

Also ask to see pictures of current past projects they have done. Some contractors will also have photos of the progression of the project and you may be able to see how the space around is for cleanliness.

So know you have found your contractor, spoken with some references, now it is time to sit down with the contractor to begin your project. Make sure the contactor completely understands your time/budget you have to work with. Ask them to do a drawing of the finished project with measurements and a detailed cost outline. If you are working with more than one contractor, they may ask to see one of the other drawings you have received, DO NOT let them see the other plans. This should be something that comes with your contract. Each contractor has a different style, hourly rate & cost price. You do not want them to look at the other contractors work and say, “YEAH, WE WOULD BE RIGHT THERE WITH THEM.” What does that really mean. Also, ask the contractor if they charge and added price for a draft done earlier and if they will reasonably sell you the draft even if you decide to not hire them or go ahead with the project at that time.

So you have the plan know and you are ready to go. In the contract, have a very detailed timeline for when milestones will be done. This will keep your contractor on track and not push you to the bottom should a higher paying contract come in. Also, DO NOT pay the contractor up front for all the work. Break the payments out based on the completion of work that has been done. An example would be the contractor could get 40% when the contract is signed another 20% when the job is half done and the rest upon completion. By upon completion, make sure the contractor knows this means the space & area to be cleaned & in good repair also. Ask the contractor if he will give you a discount if you let him take pictures for his portfolio/website once the project is complete. Remember, they don’t give you anything for free, so why should you let them put your idea out there for others to copy?

The other thing you want to be sure is that the contractor can afford to buy the supplies needed without other upfront dollars from you. If you have a specific item you want to get yourself and supply for the contractor, ask them if they will give you a discount for your time & energy to have this there for them when needed. Be sure if the contractor orders something specific for you and you pay the in advance or during the job for this specific item, that the contactor informs that shop that he ordered it from you also have the right to pick it up. If the contractor does not authorize you to be able to access these items, you will never be able to pick the item up and if something should happen to the contractor, you will never get this item.

Also be sure that someone is available to be at your home at all times during the working process. The contactor may come across questions or complications that need immediate answers and if you or someone who knows what is to happen is not available, the contactor may just make an executive decision. The other thing to remember is this person may be in your home for long periods of time and unless you completely trust them, they will have access to your personal belongings. Make sure important papers, blank checks, expensive items and sentimental items are put away or locked up.

If you take the time to do your homework up front, you should get the outcome you want and have a pleasant experience. If you do not, do not be afraid to contact the Better Business Bureau and file a complaint. Remember, if someone had complained with their unsatisfied work, you may have thought differently in hiring this person also. So do someone else a favor if your experience was not a pleasant one and let others know about the contractor and what happened.

THE SPIRITS TO MOVE is here to give quality information & ideas.

Your Minnesota Real Estate agent providing quality service whether buying, selling or relocating. Experienced in short sale & foreclosures. Learn more at http://www.VickieGylling.com.

Buyer class for Scott/Carver counties…Contact Lou


Dear Potential Homeowner :

1) We offer individual “Loan Counseling” appointments to discuss your personal financial situation as it relates to purchasing a home or getting a good home loan.  Our counseling services are free except for a credit report which is currently $12.75 (including the score).  If you would like this “loan counseling” appointment, please call us to set a date and discuss what paperwork we need (copies of paystubs, bankstatements and tax returns).  We look at your income, credit and assets like the bank or a lender does, and we help you create a plan for mortgage loan application and a house purchase.

***2) In addition to the loan counseling please see the flyer for our HOMEBUYER “Home Stretch” Seminars and a registration form.  After you have reviewed this, you may return the Seminar Registration and $25 fee/household payable to the Carver Co. CDA at 705 Walnut Street, Chaska, MN  55318, for our Educational 8-hour seminar (approved seminars are required to utilize certain special mortgage products or down-payment assistance programs).***

 

JANUARY 6, 2011 – THURS.eve        6pm-9pm

and JANUARY 8, 2011 – SATURDAY        9 am-2:30 pm

 

3) Depending on your move-in date goal, we do have some very nice properties available here for the Carver Co. Land Trust.  If you have any questions regarding our local Land Trust properties for sale please call and ask for Brenda.  We look forward to helping you towards your financial & homeownership goals.  (952) 448-7715.

Lastly, we can review and help you understand almost any lender’s and most real estate agent’s paperwork you have already received.  (Our counseling services are free except as listed in this letter.)

Please share the attached “schedule” with others if you can.  If our “Home Stretch” schedule or location is not convenient for you, other Home Stretch providers in the Metro area and their schedule can be picked up at our office, accessed on the following web page: www.hocmn.org or call 651-659-9336 to have a brochure sent to you.

Our sincere best wishes!

LOU & BRENDA

Louise A. Setterquist, Brenda Lano, Housing/Mortgage Counselors

Carver Co. Community Development Agency  (HUD, NSP, MHFA Approved)

Encs.                                                                                      

DIRECTIONS to CHASKA, Mn.(southwest of Minneapolis, southwest of Eden Prairie)

From the West:  Highway 212 or Hwy 5 east to Mn.41(also Chestnut Street), go south to Seminar; see below

From the South:  go N. on 169 to Mn.41, turn north, go over the river to Seminar; see below

From the North/East: 169 south to 212 west OR 35W South to Highway 62 or I494, West to US 212, west several miles to Mn.41, exit 41(also Chestnut Street), turn left/south, go south to the Seminar; see below.

DIRECTIONS to the SEMINAR in CHASKA: to be determined

POSSIBLE SEMINAR LOCATIONS:

Carver Co. CDA, 705 Walnut St., Chaska– the Seminar entrance is in the back of our building.  Please part on Walnut or in the lot on the northwest corner of our building, behind the Snap Fitness building, not in front of it.

AMERICAN LEGION – 102 4th St., downtown Chaska, 3 blocks from the Minnesota River bridge.

CHASKA HIGH SCHOOL – Pioneer Trail, Chaska

VALLEY FREE CHURCH – Engler Blvd., Chaska

705 Walnut Street, Chaska, MN  55318   www.carvercdaorg         Ph 952-448-7715   Facs. 952-448-6506

 

DIRECTIONS to CHASKA, Mn.(southwest of Minneapolis, southwest of Eden Prairie)

From the West:  Highway 212 or Hwy 5 east to Mn.41(also Chestnut Street), south to Chaska Blvd., left 1 block to Walnut, left to our office/seminar building; see below

From the South:  go N. on 169 to Mn.41, turn north, go over the river and you’re in Chaska Blvd., right 1 block to Walnut, left to our office/seminar location; see below

From the North/East: 169 south to 212 west OR 35W South to Highway 62 or I494, West to US 212, west several miles to Mn.41, exit 41(also Chestnut Street), turn left/south, go to Chaska Blvd., left 1 block to Walnut, left to our office/seminar location; see below.

DIRECTIONS to our OFFICE: We are located in downtown Chaska, 1 block NE of Chaska Blvd. (old Hwy 212) and Hwy 41 intersection, behind the Walgreen’s and in the same building as the Subway, 705 Walnut St.