For nearly 15 years, I have enjoyed this wonderful community. It's great neighborhoods, sense of safeness, friendly people and an overall feeling of peace living here.
And who can forget about the new Culvers moving in! Yummmmm!!
Last evening, I took our puppy, Mic, for a walk (okay, puppy in mind and soul...maybe not so much puppy in size). We stopped along the way to visit with people outside and just enjoyed the beautiful summer evening.
Now, everyone who lives here can tell you how nice our parks are and Mic (puppy) is no exception. He has one particular favorite that we frequent all the time. Well, last night, as in all of our walks, Mic walked patiently...waiting to get to his favorite destination. He knows that when we get there, I will take his leash off and he can run free!
Well, last night was different. There were lots and lots of people at the park. There was a soccer game of small kids. Mic quickly got over the fact that he couldn't run free...better yet! There were kids all over the place! Lots of playmates!
All eyes were on the kids playing soccer...Every parent was cheering their children on...And I thought, "Oh dear, should I turn around and go in a different direction?" I decided to move forward...no one would even notice...I could handle the situation. As we moved through, Mic did not bark, but he so badly wanted to greet his friends. I kept a hold of the leash and as we walked by, I realized all eyes started moving in our direction. The kids stopped playing and the coaches were staring.
"LOOK AT THAT DOG! WHAT KIND IS IT? HE LOOKS LIKE A HORSE! wOW, THAT IS A BEAUTIFUL DOG!"
My fears suddenly turned into large smiles. Mic pranced as if he were a galliant stallion. We both handled the situation like pros. Ane he was very proud. I smiled one last time as we moved on by and thought, "Huh! We just stole the show in Cottage Grove!"
Recently I posted 2 articles regarding Declining Markets.
Is Your City in a "Declining Market"?
Is Your City in a "Declining Market"? Part 2
One of the most common questions I get asked by Real Estate Agents and clients is:
"How Can I Tell Find Out What Areas Are Considered A Declining Market"?
Minnesota markets have been hit hard, just as many others have across the country. As of February 1st, the Office of Federal Housing Enterprise Oversight came out with a fresh new list and let me tell you...it has grown significantly!
Here is a very user friendly tool to help you with your own neighborhoods and markets in determining if you are also in this labeled group.
After you click on the above link, hit CTRL "F" on your computer. Type the zip code into the dialogue box that pops up and click on "next". If your zipcode does not appear in the list, that is GOOD NEWS! You are not in a declining market and do not face all of the new mortgage restrictions.
For a refresher on mortgage restrictions in a declining market, please refer to my first post: "Is Your City in a Declining Market".
Minnesota Mortgage Mom
Sherri Sherpy
St Paul, MN
Providing Award-Winning Service, Honesty and Integrity For Nearly a Decade!
Honesty, Integrity and The Power of Knowledge is what I provide...giving my client a great mortgage product just happens to be the by-product...
Good service isn't good enough. You deserve world-class service and I am committed to providing that to all of my clients. I bring an in-depth knowledge of underwriting and credit requirements to your loan application. I pay attention to details and am flexible, accessible, and creative in structuring a home loan to meet your individual needs. You can count on me to stay on top of your file as it makes its way through the approval process.
Total Commitment To My Clients
With this as my foundation, it is my mission to develop life-long client relationships, focused on my own principle of Performance through Excellence, promising to provide my personal best in service, convenience and confidentiality-ALWAYS.
Outstanding customer service is my singular pursuit. I have two clients: the home buyer /owner and the Referral Partner-and I realize I must be committed to every individual in a transaction in order to be successful.
As my client, I focus on your needs. I firmly believe in educating borrowers and working with each individual to develop a mortgage program that meets their short-term objectives and long-term financial goals. I work beyond the "rate-and-term product" and offer solutions that keep the overall savings and financial interests in mind.
Over the last nine years I have been consistently ranked in the top 5% of loan originators. I am also very proud of the 100% performance rating I have received from my past customers!
I am passionate about charity and giving. Ask me how I can help your favorite!
Product Specialties
Personal Passion:
Assisting people who have experienced credit issues and bad credit. I am passionate about helping people to re-build credit and position themselves for a stronger financial future.
Sherri,
A sincere thanks for all you did to get the buyers of my clients' home their mortgage. After their original mortgage company failed us on the day of closing, in a 3-day window, with constant pressure from all parties, you not only made it happen but did so with the utmost professionalism. My displaced clients, with everything they owned in a moving van across town, needed to close by Friday. I can't thank you enough for making that happen! Barb Duthler, Minneapolis Lakes Office, Coldwell Banker Burnet Realty
"Dear Sherri, I just wanted to thank you so very much for all of your help, patience and understanding. As a first time homebuyer, I was scared and full of questions. You made me feel at ease and confident that you would guide me and point me in the "right direction"...My experience was wonderful. We even had fun!...Thanks again for all of your help and caring. You were and are great!!" Jane J.
"We want to thank you for your sincere interest and time put into helping us with our home! Your efficiency, knowledge and patience made the whole process much easier for us. The business world needs more people like you! Your company should be proud to have you as part of their team." Lynn and Rhonda F.
"Sherri is the most enthusiastic loan officer I have ever met! I am very grateful that my Realtor referred me to her. Her knowledge, patience and fun-loving demeanor was exactly what I needed. It made my home buying experience very pleasurable. Betty V.
"Sherri's service is second to none. She always answered our questions and helped us to really understand our mortgage. She made it easy to work with her. Sherri also has a great sense of humor. Our experience was enlightening AND fun! We will be back!" Ed and Mary M.
"Sherri is a breath of fresh air. Finally, a Loan Officer who is responsive! She kept me abreast of all the details during the entire process of my refinance. I will continue to recommend her service to everyone I know." Dennis B.
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