Amy Westerlund Real Estate Team - Keller Williams Premier

Amy Westerlund Real Estate Team - Keller Williams Premier Licensed Real Estate Agent in MN & WI. Ask Me Anything about Real Estate, Any time! [email protected] 651-983-4397 [email protected]

09/19/2026

Are you outgrowing your starter home but feel trapped because you cannot afford two mortgage payments at the same time?
Many homeowners find themselves ready to move up to a bigger house but face a massive hurdle: their debt-to-income ratio will not allow them to qualify for a new mortgage until their current home sells. Selling first feels like a huge gamble, and buying with a home sale contingency makes your offer incredibly weak in a competitive market.
There is a solution designed specifically to solve this problem and remove the stress of trying to perfectly line up closing dates.
Through the Guaranteed Backup Offer program, a guaranteed cash offer with no contingencies is placed on your current home. Because this backup sale is fully guaranteed, lenders can completely remove your current housing payment from your debt-to-income calculation. This allows you to qualify and buy your next home immediately, before your current house even sells.
How the program works for you as a seller:

• You secure a guaranteed backup cash offer on your current home that is valid for 6 months.
• The upfront fee starts at $2,500, depending on your home's value.
• You still list your home on the open market with your real estate agent just like normal to try and get top dollar.
• If your home sells on the open market within those 6 months, you keep all of your proceeds and the backup offer simply goes away.
• If your home does not sell within 6 months, the backup offer kicks in. You receive the guaranteed price upfront, and you still receive 100% of the net proceeds after hard costs once the home is ultimately resold by the third party.

Please note that this is not a bridge loan. A bridge loan advances your equity to you before you sell. This program is a debt-to-income solution. It eliminates your current mortgage payment from the lender's paperwork so you can successfully qualify for your next property.
Take Sam and Lori, for example. They just had a baby boy and desperately needed to move from their Saint Paul starter home to a larger house in Minnetonka. They had a 5% down payment saved and great income, but they could not qualify for both mortgages simultaneously. By using this program, they safely closed on their dream home last month. Their Saint Paul home is now listed on the market completely stress-free. For a $2,500 upfront fee, they bought absolute certainty.
If you are ready to buy your next home without the anxiety of selling your current one first, reach out today to see if your home qualifies for a Guaranteed Backup Offer.
If you want to adjust this post, let me know:

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Tyler Peters
Mortgage Loan Officer | NMLS 1243885
Guild Mortgage

A celebration of the SOMMARGALACelebrating Svenska Sällskapet Centennial Jubilee. The American Swedish Institute Museum ...
09/18/2026

A celebration of the SOMMARGALA
Celebrating Svenska Sällskapet Centennial Jubilee. The American Swedish Institute Museum Store

09/17/2026

STATEWIDE KEY METRICS

August 2026
% represents year-over-year change

New Listings —9,570 (up 7.1%)

Pending Sales—6,530 (down 1.2%)

Closed Sales—6,926 (down 2.1%)

Median Sales Price—$370,000 (up 2.8%)

Days on Market—51 (up 6.3%)

Pct. of List Price Received—97.5% (down 0.4%)

Inventory—20,304 (up 10.3%)

Months Supply—3.5 (up 9.4%)

Supply side improvements creating a more balanced environment! The combination of more homes on market but fewer closing...
09/16/2026

Supply side improvements creating a more balanced environment!
The combination of more homes on market but fewer closing has pushed inventory to levels not seen in years. In fact, statewide inventory remained at a seven-year high and was up over 10.0% in August with over 20,000 homes for sale. Statewide, new listings rose 7.1% to 9,570, while the Twin Cities saw a stronger 8.2% jump to 6,481. August marked the 7th straight month of gains both in the metro and statewide. Expanded housing supply creates more choice for would-be buyers but also relieves pressure on the market overall. Statewide, the housing market was the most balanced it’s been for any August since 2017. But the 3.5 months of supply is still low historically. A healthy, well-supplied market usually has around 5 or 6 months of supply.

“More homes are hitting the market, so buyers have been more active overall, and prices continue to rise but at a more sustainable pace. Minnesota’s housing market is showing encouraging signs of balance and stability,” said Wendy Uzelac, President of Minnesota Realtors®.

You've probably heard the saying, "Cash is king," but does cash win out over traditional financing when it comes to buyi...
09/15/2026

You've probably heard the saying, "Cash is king," but does cash win out over traditional financing when it comes to buying a home? While financing the purchase through a mortgage lender is the more common route for buyers, a cash offer simplifies the transaction. So, if you're fortunate enough to have a lump sum of money burning a hole in your bank account, should you complete your next property purchase outright? Let's compare both payment methods to help you decide.

Speed: If the seller's goal is to close fast, cash might be the more appealing option. It typically takes just seven to 14 days to close when there's a cash offer. In comparison, it can take 21 to 45 days to close a financed deal.

Contingencies: Traditionally financed loans tend to come with more contingencies. After all, the lender needs to feel confident in their investment.

Risk: Poor credit, changes in employment, and a high debt-to-income ratio are all reasons a mortgage lender might pull a loan last minute. When the buyer is paying in cash, the seller doesn't need to worry about the deal falling apart due to lack of funding.

Asking Price: The caveat is that cash buyers often expect a significant discount. They're making the process more convenient for everyone, after all. But if the seller wants to maximize their return on investment, they might hold out for a financed offer that's closer to their original asking price.

A good rule of thumb is to opt for cash if you need to close quickly or suspect that the home might not qualify for a traditional mortgage. If the asking price is significantly higher than the cash reserves you've built up and you're not in a rush, then working with a lender may be the better option.

🇺🇸 **25 YEARS. NEVER FORGOTTEN. 🇺🇸**Twenty-five years have passed since September 11, 2001, but the heartache of that da...
09/10/2026

🇺🇸 **25 YEARS. NEVER FORGOTTEN. 🇺🇸**

Twenty-five years have passed since September 11, 2001, but the heartache of that day still lives with us. We remember the innocent lives lost, the families forever changed, and the heroes who ran toward danger when others were running away.

We remember the courage, the sacrifice, and the incredible way our country came together in the days that followed.

May we never forget.

May we continue to stand strong, look out for one another, and protect the freedoms and values that make our country worth fighting for. 🇺🇸

Today, we remember.
Today, we honor.
Today, we stand united.

**Forever in our hearts.
Never forget. ❤️🤍💙**



If you'd like, I can also make this **more personal and emotional from Amy Westerlund Real Estate Team**, tying it gently to *community, home, and the people we protect and care for*.

🎉🏡 Congratulations to my amazing clients on closing on their very first single-family home! 🥳🔑This exciting new chapter ...
09/01/2026

🎉🏡 Congratulations to my amazing clients on closing on their very first single-family home! 🥳🔑

This exciting new chapter means more space to grow, a shorter commute to work, and a wonderful school district for the future. It was important to find the right home, not just any home,and I’m so happy we made it happen! ❤️

The journey doesn’t end here… next up is getting their townhome sold! 🏘️ I’m excited to help them through the next step and make the transition as smooth as possible.

Helping clients buy their dream home while creating a plan to maximize the sale of their current home is one of my favorite parts of what I do. Congratulations again, you’ve earned this! 🎉

Thinking about making a move? Whether you’re buying, selling, or doing both, I’d love to help you create a plan that works for you.

📲 Amy Westerlund
Keller Williams Premier Realty
Licensed in Minnesota & Wisconsin

🎉 Congratulations to Emily & Tyler on the purchase of your new home! 🏡❤️Finding the right home in the perfect location f...
09/01/2026

🎉 Congratulations to Emily & Tyler on the purchase of your new home! 🏡❤️

Finding the right home in the perfect location for your careers at the fire department makes this milestone even more special. Wishing you many years of happiness, memories, and success in your new home.

Thank you both for your dedication and service to our community. 🚒 We appreciate everything you do, and it was an honor to help you on this exciting journey. Congratulations! 🎊

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635 Bielenberg Drive # 100
Woodbury, MN
55125

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