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Military Tribute Video-Pretty Awesome
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Learn About The Flags For Fallen Military
This non profit organization is helping honor fallen military with a flag & flagpole for the family of fallen military. This volunteer organization needs your support. Spread the word about the work they do and help if you can. http://www.flagsforfallenmilitary.org/default.html Powered By WP Footer Read More →
Twin Cities Real Estate-Investment Property In Minneapolis St Paul
This is a recent power point I’ve just put together. It gives you some ideas and information before you begin investing in real estate. Unlocking The Door To A World Of Real Estate Wealth View more presentations from John Mazzara Powered By WP Footer Read More →
Learn More About 203K Loans For Home Fix Up Upon A Purchase As Well As Home Improvement
These guys do a pretty good job of explaining the process. Check it out. WE do have outlets for the 203K loans at this time-both streamline and FULL 203K loans. Call us today-952-285-4319 NMLS #373115 Venture Development http://www.VentureLoanApp.com 203k Home Improvement Loans Part 2 of 2 Powered By WP Footer Read More →
New JOB site for Veterans
I just found out about this site and thought I’d share it. It uses the newest “special” domain name extention–.jobs http://www.Veteran.Jobs Powered By WP Footer Read More →
Funny Video That Explains The Banking System & Our Economy Of Today
You will find it funny, you will find it sad, but you will find it very similar to where we are today. It is called the American Dream. It explains a lot. Watch it once, then watch it again. History repeats itself because we are such poor students of history. Powered By WP Footer Read More →
Insured Conventional Loan Vs FHA-Which Is Better
There are many factors that go into a loan decision-credit scores, down payment, debt ratios, etc. One big question is whether you should consider buying a home with an insured conventional loan using 5% down or applying for an FHA loan with 3.5% down. The information below might make that decision easier. In fact, if FHA continues to raise the cost of their monthly mortgage insurance-known... [Read more]
How Does RE/MAX Compare? Let’s look at 2011
The numbers are now out! RE/MAX is a top producing company. In many markets, RE/MAX is the leader-often head and shoulders above the competition. I have been with RE/MAX for 16 years. Prior to that, I was with another large company for 10 years. Before you select an agent, interview a RE/MAX agent. I think you will agree that there is a difference. If you’re in the Twin... [Read more]
Military Tribute Videos-Cool Stuff
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Twin Cities Market Report 2010
Have you ever wished you had all the metrics of the marketplace in once nice concise report? Well now you do. Our board of Realtors compiles an annual report showing comparative data. While each home is different, pricing trends are trends. The data since the end of 2010 going into 2011 has gotten worse. If you’d like me help you interpret the information as it might pertain... [Read more]
Can you get a Veteran Loan in excess of 417K?
The answer is YES. If you are willing to put down 25% of the amount in excess of 417K, you MAY be able to get the lender to finance 75% of the excess. It will depend on your lender, but at this time, we have investors who will do this. So, if you need a Veteran Loan in excess of 417K, give us a call. Powered By WP Footer Read More →
Underwater Homeowner Refinance Programs Extended For 1 More Year
FHFA Extends Refinance Program By One Year Washington, DC — Federal Housing Finance Agency Acting Director Edward J. DeMarco has announced an extension of the Home Affordable Refinance Program (HARP), a refinancing program administered by Fannie Mae and Freddie Mac, to June 30, 2012. The program was set to expire on June 30 of this year. In addition, Fannie Mae and Freddie Mac... [Read more]
WHY Pick RE/MAX?
There are lots of reasons why you might choose to select one agent or company vs another. Unless you have a best friend or relative who you “have” to use, I would like to show you how I am different. I believe I have an excellent value proposition as to why you would select me as your agent and RE/MAX as your company. I would welcome the opportunity to meet with you... [Read more]
Down Payment Assistance Synopsis
Where there is a will, there is a way. There are many many programs today that are city specific. So, the attached synopsis is a multi county foreclosure down payment assistance pool. Basically, there is money available for purchasers of distressed homes. If you want to buy a home and are flexible in which area you make your purchase, we can try to find you some programs. ... [Read more]
Gifts and Grants can be considered towards borrowers funds on certain 3% down conventional loans
Yes, you read that right. I just got an email today from a leading mortgage insurance company that is willing to underwrite this loan. You will need at 740 or better score. But, what an opportunity. In many ways, this is like FHA, but with a little higher credit threshold. The KEY difference, besides credit score, is the lack of an upfront MI (mortgage insurance) premium and as... [Read more]
Purchase 80/10/10 and 80/5/15 STILL exists
As of this post, the 80/10/10 and 80/5/15 can still be done. While underwriting has allowed it, it has been very difficult to find a second mortgage product that would write a 5 or 10% second mortgage. Well, after many phone calls, we have sourced two lenders who at this time are willing to offer the second mortgage. One is a bank and the other is a credit union. As with EVERY... [Read more]
What Is Your Home Worth Today?
I found a cool resource at http://www.FHFA.gov. If you go there, in the middle of the page you will find something called the Home Price Calculator. You input your home purchase information in terms of State, quarter in which you purchased and the quarter in which you’d like to get the valuation. Next, you hit calculate, and it will show you a chart. While it isn’t... [Read more]
Did you know-Current & Future Housing Data
Watch this video-then call me to help you buy or sell a new home or investment property. Powered By WP Footer Read More →
8 Tips For Finding Your New Home
A solid game plan can help you narrow your homebuying search to find the best home for you. House hunting is just like any other shopping expedition. If you identify exactly what you want and do some research, you’ll zoom in on the home you want at the best price. These eight tips will guide you through a smart homebuying process. 1. Know thyself Understand the type of home that... [Read more]
4 Tips to Determine How Much Mortgage You Can Afford
By knowing how much mortgage you can handle, you can ensure that home ownership will fit in your budget. Here are six surefire ways you can get your finances in order before you buy a home. Homeownership should make you feel safe and secure, and that includes financially. Be sure you can afford your home by calculating how much of a mortgage you can safely fit into your budget. Instead... [Read more]
Two Special Twin Cities Home Buying Programs
One program is called FPP-Foreclosure Partnership Program, and the other is NSP2 Homebuyer Assistance Program. Both programs offer incentive money for a purchase. I can use these financing programs with one of our mortgage investors. Consider checking them out to see if they’d work for you. HennipenCounty-Non-forclosedHomes-overview HennipenCounty-Nsp2-overview ... [Read more]
Holes For Hero’s-Medicine Lake-Plymouth MN
Thanks Veterans- guys and gals-because of your work protecting our freedom, we get to go fishing. This compilation video is from our day fishing at the first annual Holes For Hero’s ice fishing contest. It was my third time ice fishing in my entire life and a lot of fun. The weather wasn’t too bad-about 20 degrees and over cast with a breeze. You had to fish outside... [Read more]
Armed Forces Ice Fishing Festival
It is called Holes For Heroes. It will be at Medicine Lake in Plymouth MN on Saturday February 5th 2011 from 12-3pm. It is being presented by FishingFor Life.org Call Tom Goodrich 612-987-5466 for info. It will be simulcast to active members of the Military Oversease. FREE fishing for Military Family members and veterans. Otherwise, you need to purchase an entry ticket-$5 in advance... [Read more]
Rebuilding Credit To Get A Mortgage
Often, especially in this market due to the recession, we find potential home buyers who have had a life event or “bump in the road” that affects their ability to obtain a new loan. If you want to buy a home, you will have to have a certain number of reporting trade lines and for certain length of time. MOST mortgage programs require 3-5 trade lines and a minimum of two... [Read more]
Certain Military And Federal Employees MAY Still Qualify For A Credit
It’s true, depending on when you sold your home and if it was due to a certain distance/relocation, you MAY qualify for the housing tax credit that has otherwise expired for everyone else. There is a narrow set of conditions that make it possible. See the flyer for the rules. MilitaryCredits.doc Powered By WP Footer Read More →
FHA & VA Program Criteria For Bad Credit
Sometimes “life happens” and you have a bump in the road. Different lenders have different overlay criteria. So, the FHA and VA guidelines in this flyer are simply guidelines, which means there is always underwriter discretion and specific investor guidelines that might be more stringent. FHAVADerogatoryCredit.doc Powered By WP Footer Read More →
VA Adapted Housing Grants
If you are a veteran that has had a service related disability, you may be eligible for a housing grant that can help you build or remodel your home. Here is a flyer that covers that program. You will find that some of the disability criteria are quite severe. There are actually two different programs that might work for you. Read this flyer:VAAdaptedHousing.doc Powered By... [Read more]
Buying Rental Property In The Twin Cities
Have you ever wanted to own rental property, but were unsure where to start? I teach a class on the topic. I’ve decided to make the outline into a PPT. I cover the information in my class in much more depth and breadth, but this will give you a lot of useful information. If you are interested in discussing purchasing a rental property as an investment, just give me a call... [Read more]
Essential Financial Planning for Returning or Deploying Military Personnel and their Families
As the United States goes into its ninth year of military action in Afghanistan and Iraq, financial planning for military personnel and their families has taken on unprecedented importance. Multiple deployments during the longest wartime period of U.S. history has added considerable strain to military family budgets already shaken by the worst economic downturn in 70 years. One of... [Read more]
Mortgage Insurance May Still Be Deductible For Some Buyers
Yipee-It looks like mortgage insurance will remain deductible for some home buyers. When we look buying a home, you need to consider all aspects. One main one is mortgage financing. There are ways around mortgage insurance by doing split loans-like and 80/10/10 for example or LPMI-which stands for lender paid mortgage insurance-which means the interest rate is higher. Rather than... [Read more]
Is There An Opportunity Right In Front Of YOU
I just watched an amazing video which I’ve posted below called the Money Tree. There are so many different interpretations. One that struck me was that people are oblivious to opportunity that is right in front of them. How many of us are looking for something that we already have or is within our reach? How many people are NOT buying real estate today when they could be... [Read more]
Merry X-Mas Veterans!
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Support Veterans
This email was just sent to me. I went to the site and it is really a cool idea. NATIONAL ASSOCIATION OF REO BROKERS, INC. December 23, 2010 Dear John, XEROX IS DOING SOMETHING COOL If you go to this web site, www.LetsSayThanks.com you can pick out a thank you card and Xerox will print it and it will be sent to a soldier that is currently serving overseas. You can’t... [Read more]
National Anthem From Drive In Movie Days
You don’t see this in theaters anymore Powered By WP Footer Read More →
December Is The Time To Reflect
Are each of us doing all we can to make the world a better place? Many of us have our favorite charity and organizations we support. RE/MAX is a very large sponsor of Children’s Miracle Network. Many people don’t realize how much has been given. Each time I sell a home, I automatically donate a portion of my commission to this organization. Other RE/MAX agents like... [Read more]
Getting Ready to Sell Your House
While most experts see little good news in 2011’s housing market, economic downturn is no reason to neglect maintenance on a home or lose sight of future plans to relocate. The critical issue is planning intelligently for what spending you do now to make sure it’s worth your money later. And even if your plan to sell your property is more than a year away, it’s not a bad idea... [Read more]
HUD Has A YouTube Channel-Here Is There Vid On Buying A Home
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Google lets you create cool templated websites
Just an idea for anyone who wants to set up something quick and easy: https://www.google.com/accounts/ServiceLogin?continue=http%3A%2F%2Fsites.google.com%2F&followup=http%3A%2F%2Fsites.google.com%2F&service=jotspot&passive=true&ul=1 Powered By WP Footer Read More →
Refinance Conventional To VA loans at 100%
See the attached news release from the VA. While this is allowed by the VA, I can’t find an investor/lender who will do the loan. If someone has completed a refinance-moving from a conventional loan to a Veteran loan at 100% ltv, please let me know. All of my investor outlets will only go to 90% on this type of refinance. Powered By WP Footer Read More →
Returning Veteran Career Opportunities
I own a Hyundai Genesis and love it. I just took a survey for the recent work I had done. I noticed they had a link for job opportunities for returning veterans and thought I’d share it with all of you. http://www.hyundaicareers.com/info_on_careers_army.asp Powered By WP Footer Read More →
Can Home Ownership Contribute To Your Wealth?
Based on the implosion of equity in the past few years, one begins to wonder. At the same time, if you look back from a historical perspective, home ownership and home equity have contributed to the net worth of many. Recently, there was a study/survey done by the Federal Reserve. NAR presents and interprets the resultshttp://www.realtor.org/research/economists_outlook/didyouknow/dyk111610dh ... [Read more]
Minnesota Foreclosure And Distressed Home Fact Sheets PLUS Twin Cities First Time Buyer Special Programs
I have mentioned it before, but I really am impressed with the Minnesota Home Ownership Center. I frequently get calls from people who need to find information about how best to deal with a distressed real estate situation. You must visit their website and bookmark it for future reference. Here are just some of the links you need to look at: Foreclosure & distressed property fact... [Read more]
Twin Cities Foreclosure Update
Here is our latest newsletter that has updates on foreclosures in the Twin Cities. Also, watch the video below Powered By WP Footer Read More →
Minnesota First Time Home Buyer Tips
A buyer in Minnesota, and specifically the Twin Cities area-Minneapolis/St Paul, should consider visiting the board of Realtors site at http://www.MplsRealtor.com On the tab regarding market activity, they will be able to click through and find out aggregated information that is compiled into city specific reports. For example, Minneapolis real estate will be broken down into the... [Read more]
Top Seven Tips For Home Buyers
Recently I was asked to create a list of top tips. Here is my list. I have been selling homes for over 25 years. I hope these help you make better choices and improve your real estate making decisions. 1) Before you begin to search for a home, always get prequalified FIRST. Seek out an experienced mortgage broker to arrange your financing. Even if you think you want to use a large... [Read more]
For Vets-Fannie Mae Will Offer 6 month Forbearance
If you are a family who has a service member who has been injured or killed in the line of duty, you may be eligible for this program. I was just told about this today, so I don’t have a lot of information. You will want to call and discuss this with your existing loan servicer if you have a Fannie Mae Loan. In case you need the explanation of how a forbearance generally... [Read more]
Data.gov - A Cool Site With Lots Of Great Info
http://www.Data.gov I just found this site and wanted to share it. It has a ton of info and reports. If you have a project or just an “inquiring mind”, this is sure to be a hit. Check it out and get the data you need. Powered By WP Footer Read More →
Aging Veterans Unaware of VA Pension Benefits - Millions of Veterans and Widows Loose Out
By Carol Howland For aging veterans, one of their most important benefit programs is the Veterans Non-Service Connected Improved Pension Benefit Program. Established to assist qualified veterans, and/or their surviving spouses and family, the Veterans NSC Improved Pension Benefit Program provides financial support that enables veterans to live independently while receiving the quality... [Read more]
Financial Assistance For Elderly Veterans and Their Widows is a Well Kept Secret
Financial Assistance For Elderly Veterans and Their Widows is a Well Kept By Sonja Kobrin Ask an elderly Veteran if they are aware they may be eligible for a pension from the Veteran’s Administration and they will tell you “I’m not eligible because I was not injured in the War.” This is a common misconception which keeps many Veterans from tapping into a benefit... [Read more]
Check Out Energy Rebates
EnergyStar.gov — Check Out Energy Rebates This is a government site that offers lots of energy saving tips as well as explains what energy saving grants or credits might be available. Powered By WP Footer Read More →
Twin Cities Foreclosure Trends-From our MLS & Realty Trac
Besides the board of realtor sites: http://theThing.mplsrealtor.com and market data posted elsewhere at http://www.MplsRealtor.com I have a subscription to Realty Trac. My subscription gives me additional data about foreclosures and trends within certain zip codes. This is in addition to my daily subscription to Finance & Commerce (a business newspaper that prints all the... [Read more]
Real Estate Information
These are a couple of my newsletters that have a ton of valuable information. Go check them out. Foreclosure Market Trends Newsletter http://www.realtytrac.com/MarketTrends/NewsLetter.aspx?guid=131bd355-1b69-4bd1-99cd-2f0c9a936810 Real Estate Cyber Space Tips http://www.REcyber.com/cybertips/r11627 Powered By WP Footer Read More →
Moving Video & Tribute
Why is it that we forget? Powered By WP Footer Read More →
Financial Assistance For Elderly Veterans and Their Widows is a Well Kept Secret
Financial Assistance For Elderly Veterans and Their Widows is a Well Kept SecreBy Sonja Kobrin Ask an elderly Veteran if they are aware they may be eligible for a pension from the Veteran’s Administration and they will tell you “I’m not eligible because I was not injured in the War.” This is a common misconception which keeps many Veterans from tapping into... [Read more]
Outstanding Video-An Inspiration To All-Be The Best You Can Be!
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Twin Cities Home buyer book
Thinking about buying a home but don’t know where to start? Why not start by reading the home buyer hand book that we have provided below. It is a great place to start to get the information you need. When you’re ready, we would love to help you find and finance a new home. MN Home buyers handbook View more documents from John Mazzara. Powered By WP Footer Read More →
Special Financial Info For Military Families
I just ran across a new link that I wanted to share– http://www.kiplinger.com/reports/military-families/ There is a report that you can download that has a lot of useful information. Also, I have a link to the IRS as well. http://www.irs.gov/publications/p3/index.html Don’t forget, if you are serving outside the US for 90 days between December 31st 2008 and May 1st 2010... [Read more]
Honor Those Who Served On Memorial Day
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Thank You Veterans!
Thank you to those of you who served in the military. REALLY MAKES ME PROUD TO BE AN AMERICAN!!!!!!!!!!!!!!!!!! Preparation for Memorial Day Keep it moving, please, even if you’ve seen it before. It is the VETERAN, not the preacher, who has given us freedom of religion. It is the VETERAN, not the reporter, who has given us freedom of the press. It is the VETERAN, not the poet, who... [Read more]
Are you a majority owned veteran business owner or a disabled (service related) veteran?
If you are and want to start your own business or partner with someone else and retain a majority 51% ownership, you have a huge advantage in obtaining government contracts. Here is a link http://www.vip.vetbiz.gov/ to register your business. On November of 2009 the Council On Veterans Employment was started to help improve opportunity for Vets!! This could be HUGE. If you... [Read more]
National Guard and Reserve Benefits
I was doing some research and came across this link http://www1.va.gov/vhapublications/ViewPublication.asp?pub_ID=1138 it gives a great summary of who is available for which benefits. They have phone numbers and links for more information. Powered By WP Footer Read More →
Military & Social Security Benefits
I was on the SS administration site today and found this PDF. I thought it was valuable information for vets, so I have it available to you here. MilitaryAndSocial Security.pdf Powered By WP Footer Read More →
Minnesota Vets May Qualify for Home Buying Tax Credit Extention
Under the new law-Worker, Homeownership and Business Assistance Act which is now a new law as of November 2009, individuals and there spouses who serve on qualified extended-duty service outside the country for at least 90 days between January 1st, 2009 and April 30th 2010 with have an extra twelve month to buy and close on a home in order to take advantage of the tax credit. So,... [Read more]
Open Source Documents-Unbelievable Resources-Find YOUR topic of Interest
If you’ve never visited http://www.Archive.org, you are missing a wonderful site. From this site, you will find many resources that are out of copyright and you can download and use them as you wish. You will find all the classics and some fun things as well. Just for fun, I have the download of a book called “Little Gardens” which is a book about setting up... [Read more]
Giving Back in a Powerful Way
http://primaryelec.com/HelpingMinnesotaVeteranFamilies.aspx I am a member of LinkedIn. Today I saw what this company did for a Veteran family and how they gave back. I wanted to share this, to show vets everywhere that they are appreciated. This company took it a step further. I have no affiliation with them, but I think they should be recognized. Powered By WP Footer Read More →
The Clash-Rock The Casbah-An Oldy But A Goody
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In God We Trust-How long will these words remain a part of our country?
On July 30, 1956, the 84th Congress passed a law declaring “In God We Trust” to be the national motto of the United States. The motto was added to paper money over a period from 1957 to 1966. Since 1938, all United States coins bear the inscription. - Provided by The World Almanac 2010 Powered By WP Footer Read More →
Sell Your Home Faster-Learn The Home Selling Secrets Of Successful Sellers
Here is a special report that outlines over 450 ideas on how to sell your home faster. This report is just one of the many home buyer, home seller, and investor reports that I can make available to you. Read this report and call me to arrange a time to see how I can help. Download Now Powered By WP Footer Read More →
Homeowners Assistance Program-Department Of Defense
http://hap.usace.army.mil/ Look at this-From the website: The Department of Defense (DOD) is proud to offer the Homeowners Assistance Program (HAP) to eligible service members and federal civilian, including non-appropriated fund, employees. The program is authorized by law, and administered by the US Army Corps of Engineers (USACE) to assist eligible homeowners who face financial... [Read more]
Cool Movie Trailers With Patriotic Theme
I just found this website http://objflicks.com/ You will love the movie and sound trailers. All sort of Military and Patriotic stuff for you to view! Powered By WP Footer Read More →
Generations of Valor
This Picture is Worth 1000 Million Words (minimum!) . . . We truly take a lot for granted. Forget the football ‘heroes‘ and movie ’stars’. AND MICHAEL JACKSON! Pass this on so that all may know the price of freedom. Only two defining forces have ever offered to die for you, Jesus Christ and a Soldier.. One died for your soul; the other for your freedom. How... [Read more]
Minnesotans’ Military Appreciation Fund
Watch this excellent video. http://www.youtube.com/watch?v=C26Yd_25BWQ This fund gives a cash grant to soldiers and families of soldiers who have served in a recent military war zone. Learn more at http://www.thankmntroops.org Powered By WP Footer Read More →
Support Operation Minnesota Nice
Helping Vets-one package at a time http://www.operationminnesotanice.com Powered By WP Footer Read More →
Visit the VFW Site
Check out the VFW site for fun and resources. http://www.vfw.org/ Powered By WP Footer Read More →
Pat Metheny Letters From Home
While this isn’t the same as the movie with a similar name (which was excellent) and referenced in my recent post, this video and music still will mean something to you. I think for everyone it will mean something different. Enjoy Powered By WP Footer Read More →
Dear America-Letters From Vietnam-Must Watch
About 8 years ago my wife and I were in Chicago. We went to China Town for Dim Sum, and on the way back decided to stop at a new museum-the National Vietnam Veterans Museum. We were touched. Unlike the other Chicago art museums, this one was really unique. I have included the link to the museum below. Since our first visit, we went back to Chicago and visited again. On... [Read more]
Extension And Expansion Of Home Buyer Credit-4/30/2010
A Big WOW!! The credit has been expanded to include homeowners who have owned their home for the past 5 years. No longer do you need to be a first time buyer. The dollar limit is $8000 for first time buyers and $6500 for move up buyers. This GREAT news. Combine this with 50 year lows in interest rates, and you’d be crazy not to consider making a move. If you feel secure... [Read more]
ThanksGiving-Perspective
This link will take you to a cool video presentation on Thanksgiving. Next week we will have the opportunity to reflect on all the things we have to be thankful for. http://www.cpmsglife2.org/MSG/Pres/td/td1.html Powered By WP Footer Read More →
Solutions For Returning Vets
I just found this online today. I’m not sure if there is a Minnesota resource that is similar, but the resources page will be of great help. If you know of someone or a family who needs a little help, please share this link. http://www.thesoldiersproject.org/ Powered By WP Footer Read More →
Home Buyer Tax Credit Information Update
It’s now official!! The tax credit has been extended and expanded. YOU NEED TO HURRY! You now have until the end of April 2010. The following summary of the credit is provided by the National Association Of Realtors. The following two documents cover the changes in the new law. Now get out there and buy a home!! NAR FAQ: Homebuyer Tax Credit Changes NAR Issue Brief: Homebuyer... [Read more]
2008 First Time Homebuyer Credit Questions and Answers
2008 First Time Homebuyer Credit Questions and Answers. Click Here Powered By WP Footer Read More →
First Time Homebuyer Credit form 5405
Download this First Time Homebuyer Credit form 5405 to claim your credit. Click Here Powered By WP Footer Read More →
Veteran’s Day-November 11th- Thank You!
For those who want to learn more about Veteran’s Day, here is the link at Wikipedia: http://en.wikipedia.org/wiki/Veterans_Day Have you said “thank you” to a Vet? I have. Have you ever welcomed them and wished them luck at the airport? I have. You know what, they appreciated it. They appreciated that someone they’ll never see again recognized them... [Read more]
Homebuyer Protection Alert!
Recent Federal legislation can impact your closing date. When completing your Purchase Agreement, even if you are prepared to move forward and close quickly, a more conservative timeframe of at least 30-45 days from the time of the contract acceptance would be a more realistic expectation at this time. Listed below is information on two pieces of legislation that stand to impact your... [Read more]
MN First Time Home Buyer and Minneapolis Home Buyer Alert!
Tax Credit Expires 11/30/09 - Don’t Get Left Behind MN Mortgage Broker, Patti Mazzara, warns MN First time home buyers not to miss out on the first time home tax credit that is about to expire. The first time home buyer tax credit which can be used on a Minneapolis home loans when Minneapolis home buyers close before November 30, 2009. Unless you have either been under a rock... [Read more]
