Ruth Gramza homes

01/25/2026

01/22/2026

Pssst! the BRIX report is coming.....🐈🐢🐕
SNEAK PEAK👀🤫

01/19/2026

Are you looking for the medallion?
When I was a kid my grampa used to take me all over St. Paul looking for it. We had a blast.
I wonder how anyone can find it tho, these clues have me clueless.

1. 1/18: Welcome King Boreas, your swag so notorious
It’s part of the mythic lore
No need for sulkin we’re back with Vulcan
In time for seven score

2. 1/19: For this hunt sublime a commemorative rhyme
Cheers the coming anniversary
A third of its history a writer of mystery
Has spun clues using sorcery

12/26/2025

It's a Christmas tradition 😝

12/05/2025

I love being 44

12/01/2025

Twin Cities Market Update — Dec 1, 2025

Here’s what’s happening in our local housing market right now:

Market Meter: 2.75
This means we’re in a soft seller’s market. Homes are still selling, but buyers have a bit more breathing room than earlier this year.

Inventory: +0.4%
There are slightly more homes for sale than this time last year. More choices for buyers, but not enough to change the market in a big way.

Days on Market: 39.6
The average home takes about 40 days to sell. This is normal for our area right now.

Mortgage Rates: About 6.3%
Rates went up a tiny bit this week. Even with small bumps, buyers are still active and writing offers.

Sellers:
Homes are still moving, prices are holding strong, and serious buyers are out there. If you’re thinking about selling in the next 3-6 months, let’s start planning now.

Want the numbers for your neighborhood?
Send me your ZIP code and I’m happy to pull it for you.

12/01/2025

Twin Cities Market Update — Dec 1, 2025

Here’s what’s happening in our local housing market right now:

Market Meter: 2.75
This means we’re in a soft seller’s market. Homes are still selling, but buyers have a bit more breathing room than earlier this year.

Inventory: +0.4%
There are slightly more homes for sale than this time last year. More choices for buyers, but not enough to change the market in a big way.

Days on Market: 39.6
The average home takes about 40 days to sell. This is normal for our area right now.

Mortgage Rates: About 6.3%
Rates went up a tiny bit this week. Even with small bumps, buyers are still active and writing offers.

Sellers:
Homes are still moving, prices are holding strong, and serious buyers are out there. If you’re thinking about selling in the next 3-6 months, let's start planning now.

Want the numbers for your neighborhood?
Send me your ZIP code and I'm happy to pull it for you.

11/18/2025

The Twin Cities market is holding steady this week
Inventory is basically flat (+0.2%), which means less competition.
The BRIX Market Meter sits at 2.65, keeping us in a mild seller’s market.
Homes are taking about 35 days to sell on average.
And with rates hovering around 6.38%, buyers are still active and motivated.
If you’re curious what this means for your home specifically, I’ll pull your neighborhood numbers anytime. Just DM me your ZIP.

11/18/2025

The Twin Cities market is holding steady this week
Inventory is basically flat (+0.2%), which means less competition.
The BRIX Market Meter sits at 2.65, keeping us in a mild seller’s market.
Homes are taking about 35 days to sell on average.
And with rates hovering around 6.38%, buyers are still active and motivated.
If you’re curious what this means for your home specifically, I’ll pull your neighborhood numbers anytime. Just DM me your ZIP.

11/18/2025

The Twin Cities market is holding steady this week and that’s good news for sellers.
Inventory is basically flat (+0.2%), which means less competition.
The BRIX Market Meter sits at 2.65, keeping us in a mild seller’s market.
Homes are taking about 35 days to sell on average.
And with rates hovering around 6.38%, buyers are still active and motivated.
If you’re curious what this means for your home specifically, I’ll pull your neighborhood numbers anytime. Just DM me your ZIP.

11/16/2025

November 1-14, 2025: Insights Come From 73 Fully Accepted, Residential Offers in the 7 County Twin Cities Metro Area

Inspections waived: 21% ↗
Pre-MLS sales: 3% ↗
14% Cash ↘ • 75% Conventional ↘ • 7% FHA ↗ • 4% VA ↗
Avg. purchase-to-list price: 99.7%
Median purchase-to-list: 100%
Seller help with closing costs: 30% ↘
Home warranties: 8% ↘
Contingent on sale of buyer’s home: 12% ↗
Escalation clauses: 1% ↘
Appraisal gap coverage: 3% of financed deals ↘
Cancellations: 5% ↗
** no ↗ or ↘ indicates the same week over week.
SOURCE: Home Free TC
Real estate market update
The market is stable and predictable for sellers: homes are still selling at or near full price, fewer buyers need help with closing costs, and most offers follow similar financing patterns. Competition isn’t extreme, but demand is steady enough that well-priced homes can expect solid offers.