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http://www.mnhomescontractfordeed.com

Are you having a hard time selling your property call us today. We can find a buyer for your home if you are willing to finance it.

Why finance a home on a cd-land contract-contract for deed?

1. Simple you can sell your home and move on.

2. You get a fair price for your home.

3. You may make more interest on your home if you have a low rate.

4. You get usually 10-20% as a rule of thumb. Most people ask for 10% down.

5. We have a lot of buyers looking to purchase homes with seller financing.

6. In this market it could take half the time to sell your home.

We are on top page of Google-yahoo-ask-msn-bing-craigslist.org-activerain- ect if you want people to see your home call us we can get it out there so everyone will find it.

We have a great approval process for buyers to go thru.

Owner financing available all areas in Minnesota and Western Wisconsin.

Sellers are willing to finance properties on a contract for deed/cd- owner financing has never been easier. Condos-town homes-single family real estate cd-lake homes for sale in Mn-WI- cabins- twin cities metro areas-St.Paul-Minneapolis we serve the entire state of Minnesota- farms-hobby farms-acreage-lake front homes for sale in Minnesota.

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You can buy a house with as low as 10% down.

To view owner financed homes click on blue link 100s to choose from all areas. http://www.mnhomescontractfordeed.com

We have buyers all over Minnesota for contract for deed homes. White bear lake -Mahtomedi-All over Minnesota and western Wisconsin. View our sites designed just for contract for deed-seller financed properties. DON’T LET YOUR CREDIT GO BAD AND LET THE BANK HAVE YOUR HOME SELL IT ON CD. CALL US TODAY.. 651-334-8312 WE CAN HELP.

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Minnesota largest selection of lake homes in Minnesota-cabin-resorts-travel-Minnesota lakes- mnlakeplace.com is a full service real estate company. Our internet site is free of charge and has buying and selling information in todays real estate market. We have information on all Minnesota lakes-fishing-lake locator-water quality-species of fish-camping thru-out minnesota. http://www.mnlakeplace.com Free of charge browse all lakes in Minnesota by county and township at http://www.mnlakeplace.com/directory/

651-334-8312 steve

“CONTRACT FOR DEEDS IN MINNESOTA & WESTERN WISCONSIN. FORECLOSURES… CALL STEVE 651-334-8312.

http://www.mnlakehomescontractfordeed.com

RUSH LAKE-RUSH CITY-PINE COUNTY MN

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CALL US TODAY…

STEVE VENNEMAN 651-334-8312

http://www.Mnhomescontractfordeed.com

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Seller Financing-also know as a contract for deed. Rent to own properties.

“””Owner financing available all counties in Minnesota and Western WI. “

WE CAN HELP YOU SELL YOUR HOME. “”DON’T LET YOUR HOME GO BANK TO THE BANK CALL US WE CAN HELP. We have buyers through out Minnesota.

Seller financing is a great way to offer temporary financing to a buyer in need and sell your property.

Contract for deeds- 5-20% down.

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“CREDIT USUALLY NOT A PROBLEM IF YOU HAVE MONEY TO PUT DOWN AND A JOB”

IT IS A HARD TIME RIGHT NOW EVEN WITH PERFECT CREDIT TO GET A LOAN IF YOU ARE SELF EMPLOYED OR HAVE LATE PAYMENTS ON YOUR CREDIT..

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These are some of Minnesota’s best fishing lakes. Great for walleye---big pike-

651-334-8312 Steve Vennemann

http://www.mnhomescontractfordeed.com

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Owner financing available all areas in Minnesota and Western Wisconsin.

Sellers are willing to finance properties on a contract for deed/cd- owner financing has never been easier. Condos-town homes-single family real estate cd-lake homes for sale in Mn-WI- cabins- twin cities metro areas-St.Paul-Minneapolis we serve the entire state of Minnesota-

You can buy a house with as low as 10% down.

To view owner financed homes click on blue link 100s to choose from all areas. http://www.mnhomescontractfordeed.com

We have buyers all over Minnesota for contract for deed homes. White bear lake -Mahtomedi-All over Minnesota and western Wisconsin. View our sites designed just for contract for deed-seller financed properties. DON’T LET YOUR CREDIT GO BAD AND LET THE BANK HAVE YOUR HOME SELL IT ON CD. CALL US TODAY.. 651-334-8312 WE CAN HELP.

Minnesota & Wisconsin lake homes for sale –contract for deeds.

Hud homes- foreclosures

Twin cities metro area lakes

Up north lakes- lake front homes-sandy lake shore-central mn-southern mn,western mn,eastern mn, western Wisconsin homes.

We have 1000ds of homes in Minnesota contract for deed-

Cd cabins MN & WI.

Big sandy lake- lake of the woods- mille lacs- pine county-

White Bear Lake- all areas….

Buy lake property with http://www.mnlakeplace.com

Big Marine Lake, Forest lake, Rush lake, mille lacs, White Bear lake, chisago lake,

green lake, pokegama, st.croix river, clear lake, big sandy lake, mcgregor, Aitkin county, crook county, ramsey, county, chisago county, pine county, Washington county, Dakota county, all lakes in Minnesota.,Grand Marais,Gull lake,Gull river

leach lake,-leach river, Mississippi,st.croix river,Minnesota river, rainy lake, rainy river, red lake,red river, st.croix county,crook county,sturgeon lake sturgeon river,

vermillion lake,vermillion river. Seller financed properties.. Owner financing-cd terms.

Minnesota largest selection of lake homes in Minnesota-cabin-resorts-travel-Minnesota lakes- mnlakeplace.com is a full service real estate company. Our internet site is free of charge and has buying and selling information in todays real estate market. We have information on all Minnesota lakes-fishing-lake locator-water quality-species of fish-camping thru-out minnesota. http://www.mnlakeplace.com Free of charge browse all lakes in Minnesota by county and township at http://www.mnlakeplace.com/directory/

651-334-8312 steve

“CONTRACT FOR DEEDS IN MINNESOTA & WESTERN WISCONSIN. FORECLOSURES… CALL STEVE 651-334-8312.

http://www.mnlakehomescontractfordeed.com

We will find a lake home for you..

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River front homes. RUSH LAKE-RUSH CITY-PINE COUNTY MN

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ALL OVER MINNESOTA LAKE HOMES-LAKE LOTS-

HTTP://WWW.MNLAKEPLACE.COM

CALL US TODAY WE SPECIALIZE IN LAKE HOMES IN MINNESOTA AND WESTERN WISCONSIN..

BLAINE MN-ISANTI MN-NORTH BRANCH MN-CHISAGO MN-FOREST LAKE MN-WHITE BEAR LAKE MN-MAPLEWOOD MN-NORTH ST.PAUL MN-WOODBURY MN-STILLWATER MN- OAKDALE MN-ST.PAUL MN-VADNAIS HEIGHTS MN-SHOREVIEW MN-ROSEVILLE MN-SOUTH ST.PAUL-MINNEAPOLIS-SUMMERSET WI-HUDSON WI- HUGO MN- PINE CITY MN- LAKE ELMO MN-GRANT MN-DELL WOOD MN- CENTERVILLE MN-LINO LAKES MN-

CALL US TODAY…

STEVE VENNEMAN 651-334-8312

http://www.Mnhomescontractfordeed.com

http://www.mnlakehomescontractfordeed.com

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Recently I was on the phone with REALTOR® from the Brainerd Lakes area (cabin country for those in the Twin Cities north metro). We were discussing how affordable lake shore properties had recently become in Minnesota compared to just a few years ago. One of the tidbits he shared with me was that all predictions were pointing toward an abundance of lakehomes and lakeshore cabins that would be hitting the foreclosure market this year. This year seasonal and year round properties are available in every price point at rock bottom prices.

So this got me thinking and once again I decided to check on what was happening in the north and east Minneapolis/St. Paul market. What I found was phenomenal...home prices on local lake homes had dropped yet again and there are lakeshore deals all across the north metro in Anoka County. I was surprised that so many lake homes were hitting the market so late in the summer. Could it be that people think that since there is good activity in the lower starter homes, it will carry over to lakeshore? It is no surprise that in this economy, higher priced homes will have extremely long market times. In some communities that I serve homes in the half million plus price point have been on the market for YEARS. The housing tax credit did boost lower end sales but didn't do much for these higher end homes. So how does the recent upswing in low end sales affect lakeshore? Or does it have any affect at all?
Once again I think it is time to ask the question, Is NOW a Good Time to Make a DEAL on a MN Lakeshore Home? It's GREAT!

To see what kind of an impact the buyer's market has had Minnesota lakes; I did some research on lake homes sold in first half of 2010. As a REALTOR® working in the north east metro for several years, I knew it was difficult to find reasonably priced Minnesota lakeshore in just a few years ago...especially properties located in areas with a quick commute to downtown. Just last year, the Twin Cities market has been experienced some of the highest affordability rates it has seen in years. I wanted to see if the change in the market and affordability had made lakeshore more affordable too. What I found is that an in-town lake home is not only affordable, there are several lakeshore properties available at ALL price ranges.

Focusing on the north east metro counties of Anoka, Chisago, Ramsey and Washington, I discovered some interesting facts. I set up a quick search for lakeshore homes SOLD and closed after January 1, 2010. I found 93 single family lakeshore homes that met these criteria. I then took a closer look homes that sold for the lowest and highest price in each county. Since most homes sat on the market for several months. If a sold home was not a foreclosure, there were some unbelievable price concessions by sellers. The 94 listings were on the market an average of 209 days. But when I looked closer at the listings, I realized the cumulative days on the market was significantly higher. Many of the homes were cancelled and re-listed so the DOM would start again at zero. In my estimation, the average time on the market for north metro lakeshore is closer to 2 YEARS.

So where were the deals on Minnesota Lakeshore during the first half of 2010? All over the north metro!
Here are some of the highlights:

Anoka County

Lowest Sold Price $148,000 (Original list price $169,000)
Highest Sold Price $561,000 (Original list price $1,145,000)
Average $336,470
Total Homes Sold 27

The lowest priced Anoka County lakeshore home in the first half of 2010 was on Minard Lake in the northern community of East Bethel. It was a 1972 split level being sold due to a corporate relocation. It was 3BR/2BA and a 2 car garage. It sold for $149,000 after 148 days on the market for $20,000 less than asking and a $5,100 seller paid concession.

On the other end of the spectrum, straight south in the community of Centerville, a 2002 built executive rambler sold with picturesque views of the popular Centerville Lake. After a price drop to $850,000 and six months on the market the home was sold for $780,000. This 4BR/4BA home was chock full of the upgrades including a 3 car heated garage, master suite and in floor heat.

Chisago County

Lowest Sold Price $ 68,000 (Original list price $ 98,900)
Highest Sold Price $ 722,225 (Original list price $750,000)
Average $251,634
Total Homes Sold 32

The lowest priced home was a foreclosure bargain in Fish Lake Township on Lower Goose Lake with 100 ft of shoreline. It was a bank-owned, 1950's rambler with 2BR/1BA and a 2 car garage that sold in 91 days for $68,000.
On the high end, there was a 1996 built lake home on Chisago Lake with 100 ft. of shore located in Chisago City. This 5BR/4BA brick rambler with a 6 car garage was a beauty! The home was sold occupied and sold by a traditional seller without lender mediation. It originally was listed at $ 750,000 and sold in 61 days for $722,225.

Ramsey County

Lowest Sold Price $210,000 (Original list price $ 389,000)
Highest Sold Price $1,650,000 (Original list price $ 2,250,000)
Average $554,687
Total Homes Sold 23

Ramsey County is the heart of the east metro and is home to the capital city, St. Paul. On the low end of the spectrum, there was a 3BR/2BA/1 Car One and a half story in Roseville built in 1950 on McCarrons Lake. It originally listed in early 2008 for $389,000 but after going to the bank it was sold as an REO property for $210,000.

The spendy side of Ramsey County featured an Arden Hills executive home on Lake Johanna. The one story brick and cedar home was build in 2002 and sits on a 1.3 acres with 4BR/5BA/7Car and 6400+ finished square feet. After being on the market for just 189 days and a quarter of a million dollar price drop, it sold for just over $1.6 Million.

Washington County

Lowest Sold Price $ 95,000 (Original list price $ 99,900)
Highest Sold Price $1,501,069 (Original list price $ 1,799,900)
Average $465,493
Total Homes Sold 24


There were bargains at all price points in Washington County in the first half of 2010. At the low end a corporate-owned lakeshore home on Tanners Lake in the City of Oakdale. It sold for $95,000 cash after being originally listed for $195,000 in 2007. This 1BR/1BA/1 Car 1940's home was a short sale/lender-mediated property.

The Washington County high ticket home sold so far in 2010 is located in Stillwater with shoreline on Big Carnelian Lake. The 2003 two-story home was built on a 6 acre estate and full of all the upgrades. It sold after a whopping 796 days for $750,000 less than asking price...Yes a three quarters of a million price drop! The home has 5BR/5BA/6Car and 1200 feet of lakeshore!

Bargains are STILL out there!

Currently there are hundreds of single family lakeshore homes on the market throughout the Twin Cities north metro. As of today, there are 80 listed in Anoka County, 122 in Chisago County, 75 in Ramsey County and 134 in Washington County. Prices range from $ 84,900 to $2.65 million and everywhere in between! The deals on Minnesota's sandy shorelines are out there! Your Minnesota lakeshore dream home could be closer than you ever imagined!

Featured Lake Home:

278 Janice Avenue, Shoreview MN 55126

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Going to open houses is a great way to get an idea of how the market is doing in the areas where you'd like to buy or sell. It's also a great way to meet local agents & see what they're doing to market their listings. Are you thinking about buying or selling a home in the twin cities? Harmony Homes Realty is a small, local real estate company serving: St. Paul Roseville Maplewood Oakdale Woodbury White Bear Lake Falcon Heights Shoreview Lino Lakes Hugo Lake Elmo Minneapolis

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