About Benton County, MN

Open House Saturday May 7 at 955 4 1/2 Ave North Sauk Rapids MN from 12:00 to 1:30pm

This very well maintained 3 bedroom 2 bathroom home on a large corner lot in Sauk Rapids MN will be held open on Saturday May 7 from 12:00 to 1:30pm.

A GREAT HOME IN A GREAT LOCATION! Walking distance to school and parks this well maintained home offers 3 bedrooms and 2 full baths on the main floor, wood flooring, and a covered patio overlooking a large yard with flower gardens and a 6' fence. This well loved home is ideal for day care or pet owner. Many newer updates and in move-in shape. $134,900.

*Liberty Savings Bank will be waiving the $1,000 Loan Origination fee to Buyers for this home in the month of May- for details call me, Steve Baklaich, at (320) 260-3290.

Directions: Take Benton Dr. in Sauk Rapids to 8th Street N., to 4th Ave.N., L. to 9th St.N., R. to 4 1/2 Ave.

Stop by April 16th and tour your future home - Sauk Rapids MN 3 bed 2 bath ranch style home

Beautiful Home with Greening Gardens only $134,900

On April 16th I will be holding an open house for the first time on a fantastic, very well loved 3 bedroom 2 bathroom rambler in Sauk Rapids MN from 11:00 am to 12:30 pm. If you are tired of looking at foreclosures that seem like a good deal until you add up all the repairs, then you need to stop by and see this home on Saturday at 955 4 1/2 Ave.N. in Sauk Rapids MN.

Attractive updated 3 Bedrooms and 2 full baths on main floor featuring wood floors, newer doors, carpet and paint & more. The fully fenced large backyard, with flower gardens all around the house, is a safe place to play. Complete with a large 2 car garage and a covered back patio, extensive plantings throughout the nicely landscaped yard, the new paint and flooring, the upgrades and the freshly remodeled 2nd bathroom, in a fantastic location with easy access to Hwy 15, close to shopping, the St. Cloud Hospital and walking distance to the local school, this is a great place to call home.

A very happy home for its occupants and the only reason that it is being offered right now is because the owner just got married. Pride of ownership shows in this well maintained home at 955 4 1/2 Ave N, Sauk Rapids MN. Stop by April 16th and tour your future home between 11:00 and 12:30 in Sauk Rapids MN.

Q: Does the propane tank come with the house? It isn't listed with the appliances, and we weren't sure!!

A:Yes, it can stay with the house. As we discussed when we wrote the offer, you will reimburse the Sellers for the propane, and can keep the tank in place, or find a different vendor to buy gas from. The vendor owns the tank and lets you use it in exchange for your buying fuel from them; and there is no charge if you switch vendors.

The old tank would be picked up & new tank dropped off/hooked up. You will want to wait until the spring to have this done as you do not want to be without heat during the winter. Just keep in mind, in the spring with two trucks driving in your back yard you could have some yard care (better wait until it's dryed up a bit). So if you are going to change propane providers please think before you schedule the appointment.

For more information about Propane for home heating check out http://www.propane101.com/residentialpropanetanks.htm

HOW TO PEEL THE BIG ONION WITHOUT CRYING! Part 1

HOW TO PEEL THE BIG ONION WITHOUT CRYING! Part 2

The banking industry already has alot to answer for. They have re-keyed owner occupied properties before the sheriff's sale, they have made their own rules in selling REO assets, and now it seems they have shot themselves in the foot, again. The Banks have cut corners in the foreclosure process, which is different in each state, and in some cases they have taken property illegally (according to Plaintiffs Attorneys). Now these former homeowners are bringing suit to reclaim their homes. If there is even a remote chance this could happen, why buy an REO? You could be ordered by the court to vacate the home, if a judge finds for the original homeowner, and then your recourse is with the bank. Reread all the REO sales addendum again, and tell me they didn't disclaim all responsibility for this (and the Lindbergh kidnapping)! It's like the Pinto gas tank. Instead of fixing the problem, they figured a way to live with it, so to speak.

Okay. Calm down. Buyers, if you want to buy a Bank Owned Property, or REO, you can still do it; but be advised there are risks involved, and the bank is all about putting all the risks on your plate. This newest aspect of the REO risk/benefit bundle may be resolved at the Title Insurance level. If your Title Insurance covers this, you may be made whole financially in the event the court takes your home and gives it back to the previous owners. But, one of the most common events in an REO transaction is, the bank tries hard to get the Buyer to use the banks Title Insurance Company, and all title policies have a list of exceptions, or things they will not cover. My observation is the banks title policy has a longer list than usual.

It also needs to be said, these actions are in their legal infancy, and may be in court for years. Even if more former homeowners win the case, the court may decide giving them back the house is not appropriate. Too injurious to another, innocent party; you the new owner. But this is new ground and it could go either way.

Agents there is no sugar coating this, if this happens to your clients, it is happening to you as well. The difference is the clients could be out in the cold! So, what do you do? Educate your clients about the issues involved, disclose and disclaim, in writing. If they decide an REO is not for them, you will have to find a non bank owned listing for them:) There are a few of those out there and they typically present less risk. Network this on AR and in your office until you are comfortable with your level of knowledge and can explain the issues to a client, so they can make an informed decision. Now is the time to plan for it, and protect your clients and yourselves.

Keep peeling the big onion. There's no reason to cry if you stay sharp and do the right thing for your clients and document it. Not sure what the right course of action is? Go to the next sales meeting and start a discussion, then listen to all of the experience and intelligence in the room! Some of it yours! and do the same here on ActiveRain. It's open 24/7!