Dave Sells MN Homes

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Dave Sells MN Homes

Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Dave Sells MN Homes, Estate agent, 1893 Station Pkwy NW, Andover, MN.

01/17/2025

Shouting from the mountain tops 🏔️ 🏔️ 🏔️

Add a little bit 🤏 of $ towards your mortgage payment every month, or once a year.

Why? It can save you \*hundreds of thousands\* in interest over the lifetime of your loan. 🤯

Got a little work bonus?

Put a portion of it towards your loan.

Got money back on your taxes?

You already know what I'm going to say...

These are the numbers I used in the example:

- $550k 30-year loan
- 5% down payment
- 6.2% interest rate

Google: "Freddie Mac extra payment calculator" to play with the numbers for yourself - it's addicting! (or DM me for the link)

P.S. Before you choose a loan, ask your lender if there are any pre-payment penalties. 🙃

01/15/2025

The sellers who are closing quickly....

are the ones willing to work WITH buyers on things like:

→ Credits for repairs

→ Concessions so buyers can buy down their rates

→ Providing a home warranty (especially for new builds)

→ Contributing to or covering the buyer’s agent fee

In an expensive, higher interest rate market, buyers are appreciating the extra support. 💸

P.S. If you’re a hopeful buyer reading this: do your research! A good agent will negotiate these items for you. 💯

01/09/2025

I wish more sellers knew this... 👇

The "perfect season" to sell doesn't exist. 🙃

It's when 👉you👈 are ready to make it wor

Job relocations and family changes don't wait for the perfect moment.

HERE'S WHAT ACTUALLY MATTERS:

- Your personal motivations
- Your home's preparation
- Your pricing strategy
- The marketing ex*****on
- Getting moving plans in order

When you're ready to put together a next-steps plan, with an aligned team who will support you through the process: Reach out. 💪

01/07/2025

2 questions to ask yourself to get the ball rolling again. ➡️

What's next? 🤔

Option 1: Grab my home budget tracker in my bio.

Option 2: Set up a 1:1 consult in my bio (you don't have to be ready to buy to have a chat!)

– David, a Twin Cities local and real estate advisor 🏡

01/01/2025

I was fortunate to work with great clients in 2024. 🤗

We worked hard and experienced some amazing wins. 🏆

If I can be a resource to you in 2025, send me a DM or schedule a 1:1 chat at the link in my bio. 😎💯

(P.S. you don't have to be ready to buy/sell right now to ask me questions - I won't make it weird, promise.)

12/24/2024

When you're in the thick of house hunting, there are a few things you gotta do to keep every house from blurring together. 🏠 😵‍💫

Ready?

1️⃣ SET YOURSELF UP FOR SUCCESS

- Start each tour with a photo of the house numbers/address
- Create a folder in your photos app for each address
- Pack water, snacks, easy shoes, hand sanitizer & phone charger

2️⃣ AT EACH HOUSE

- Note the home's natural light
- Open closets, cabinets, and drawers to check storage
- Listen for road noise in bedrooms
- Check outlet placement in each room
- Take photos of any concerning areas
- Take 5 minutes in your car to jot down impressions while fresh

3️⃣ ASK THE LISTING AGENT

- "What's the seller's timeline?" (Negotiation intel)
- "Any previous offers?" (Competition insight)
- "How old is the roof/ HVAC/ electrical?" (Future expenses)
- "Any special assessment coming up?" (HOA insight)
- "How long has the seller lived here?" (Neighborhood stability)

4️⃣ NEIGHBORHOOD INTEL

- Drive the route to work during rush hour
- Check school drop-off traffic
- Visit at different times (weekend/evening)
- Map the distance to your frequent destinations
- Check the street parking situation

5️⃣ 🚩🚩🚩 FLAGS

- Fresh paint in random spots
- Musty smells or air freshener overload
- Doors that don't close properly
- Cracked foundation or walls
- Standing water in the yard
- New caulk around windows/tubs

👉 Ready to tour like a pro? Comment "tour" for instant access to my buyer guide for a comprehensive house tour checklist.

12/19/2024

My clients use this monthly prep plan to get ready for the spring market. 👇

JANUARY: Declutter & Sort 📦
- Focus on one room at a time
- Make "Keep/Donate/Trash" piles
- Start packing non-essentials
- Go through closets & cabinets

FEBRUARY: Assess your interiors 🎨
- Add fresh paint where needed
- Fix minor repairs
- Update fixtures & hardware
- Deep clean or replace carpets

MARCH: Curb appeal 🌿
- Clear yard debris & plan landscaping
- Pressure wash exterior areas
- Touch up exterior paint
- Clean windows & sweep porch

APRIL: Final polish (your agent will help here!) ✨
- Hire a deep-cleaning company
- Stage each room
- Prep for professional photos
- Run through a pre-listing inspection

MAY: Showtime! 🪩

Share this checklist with someone planning to make a move in 2025. 😎

12/17/2024

One thing about me: I love helping my buyers find a deal... 🤑

And the answer is yes, there are still deals out there.

This is what I keep my eyes peeled for ↓

1) CONTRACT CANCELLATIONS 🏷️
- Not every sale crosses the finish line, and when they don't, it's usually a great opportunity
- "Back on Market" listings are often priced better than the original listing and the sellers are motivated

2) HIGHER "DAYS ON MARKET" 😴
- Homes that have been on the market a while (~45+ days), sellers more willing to negotiate
- Could be sitting because of pricing, lackluster listing photos or required lots of TLC
- A trained eye can spot value (or necessary updates)

3) BUILDER CLOSEOUTS 🏗️
- Builders are in the business of selling homes, not owning them
- If a new construction home is move-in ready, chances are the builder is eager to sell... (👋 discounts & builder credits)

4) MOTIVATED SELLERS 📅
- A seller might be motivated to offer a great price or terms due to sudden life changes - job relocation, divorce, death, or the need to liquidate
- This is where an agent's intel on the seller can work to your advantage

5) HIDDEN GEMS 💎
- Sometimes a really great property gets overlooked because it has an unusual floor plan, an outdated kitchen, or is outside of the most popular neighborhoods
- As long as a property has "fixable" issues within the buyer's budget, the pros could outweigh the cons

DM me for a list of great deals in Anoka County under $500,000! 💰

I'm – an Anoka County local and real estate advisor 🏡

$Hopeful buyers: Your estimated monthly payment might be WAY off. 🤐 (🔖Save this post - it could \*actually\* save you th...$

12/12/2024

Hopeful buyers: Your estimated monthly payment might be WAY off. 🤐

(🔖Save this post - it could \*actually\* save you thousands!)

Here's something many first-time buyers don't realize: The property tax amount you see on current listings? It's probably NOT what you'll actually pay.👇

When you buy a home, the property gets reassessed at your purchase price. But that new tax bill won't hit until next year!

🔢 Let's look at the numbers:

- If the current owner bought at $200k years ago
- And the current annual tax: $2,000
- But you buy at $550k
- The new estimated tax: $5,500
- That's about $290 more per month!\*

(\*Disclaimer: this amount will vary by location, and it can increase by hundreds each month)

🚨 Why This Matters:

- Your initial mortgage estimate might show the CURRENT tax amount
- Your payment could jump significantly when taxes adjust
- This catches so many buyers off guard in their housing budget

➗ Calculate the number for yourself:

Find a more accurate property tax estimate by searching for the listing's address on your county's property appraiser website. Then, head to bankrate.com to customize the property tax section to arrive at a more accurate monthly mortgage payment. 💸

Send this post to someone purchasing soon or DM me to help you crunch the numbers. 🤑

12/10/2024

💰The small tweak that saved my buyers $50,000

There's one thing I encourage every single one of my buyers to consider...

👉 Making bi-weekly payments on their mortgage

Let's compare a traditional monthly payment vs. a bi-weekly payment.

Purchase price: $500,000

- 20% down ($100,000)
- $400,000 loan
- 30-year fixed at 6.5%
- Regular monthly payment = $2,528

MONTHLY PAYMENT METHOD

- 12 payments per year
- Total interest paid: $510,080 (yep, it's more than the loan!)
- Total paid over 30 years: $910,080 ← almost $1 MILLION by the time you've paid your loan!

BI-WEEKLY PAYMENT METHOD

- 26 half-payments = 13 full payments per year
- $1,264 every two weeks (half of the monthly payment)
- Pay off mortgage 4 years earlier
- Total interest paid: $461,325
- TOTAL SAVINGS: $48,755 🎉

🤯 YOU READ THAT CORRECTLY:

That extra payment each year (which happens naturally with bi-weekly payments) can save you nearly $50K in interest!

I'm super passionate about this topic because it's such a simple strategy to save. 💰

💡 OTHER WAYS TO SAVE:
- Adding $200/month extra could save you $100K or more
- Round up your payment to the nearest $100
- Put tax returns toward your principal
- Use work bonuses for extra payments

Take it a step further: Comment "90" to grab my 90 Days to homeowner challenge - it's everything you need to approach homeownership confidently. 💯

12/04/2024

There's a long list of tactical things we'll do to get your home ready for market BUT before we start there's something I'm going to ask you...

I need you to tell me everything you've loved about your home. 🏡

Trust me, there's a strategic reason for this request! 👏

Knowing all the little ways you loved this home will help me tell its story and foster an emotional connection with potential buyers. ☺️

Plus it makes it feel like a welcoming and comfortable place to continue their own story.

If selling is on your 2025 to-do list, I'd love to walk you through the rest of my strategy. 💯💰

11/29/2024

If your 2025 to-do list includes "sell this house" KEEP READING ⬇️

→ This is your reminder it's time to start mulling over a plan to get your space prepped for the market.

→ You might be asking "What kind of improvements should I be making??" Your real estate agent can help identify and prioritize what's most important BUT while I have you here, these are the MOST COMMON ones we see:

46% of sellers paint the interior
42% improve the bathrooms
38% improve the kitchen
35% landscape the yard
28% replace carpet or flooring
28% paint the exterior

Get ahead of the spring market by starting home improvements as soon as possible.

AND grab my free Seller Guide where I walk you through the home prep and sales process. 🏠

Comment "prep" to access and DM me if you'd like to schedule a home walkthrough ahead of the spring market. 💯

Address

1893 Station Pkwy NW
Andover, MN
55304

Website

http://www.davesellsmnhomes.com/

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