Monday, May 13, 2013

How to buy a home with no money down

Buying a home with no money down has become more difficult since the crash but the USDA loan still offers a great way to buy a home with no money down outside the loop, that is the requirement you have to be outside a certain area
Contact Ben Strom for more information by clicking here


For more information regarding buying or selling a home go to: http://www.mnrealty.info/

Saturday, May 11, 2013

What flooring is the most popular and will help your home sell?

The best, most popular flooring to put in these days is laminate wood flooring - most homeowners below the $300,000 (which constitutes 85% of the market) mark are looking for wood flooring. You will spend anywhere from $1 to $5 per square foot but not matter what you spend you will always get your money back when you sell your home!

For more information on how to sell you home click here



For more information regarding buying or selling a home go to: http://www.mnrealty.info/

Rogers Housing Real Estate Market Information

Rogers Housing Real Estate Market Information : for other housing information click here



Otsego real estate housing market information

Otsego real estate housing market information - for more information click here





For more information regarding buying or selling a home go to: http://www.mnrealty.info/

St. Michael Housing Real Estate Market Information

St. Michael Housing Real Estate Market Information : for other housing information click here


Month Active Listings, $ Volume Active Listings, Number of
Jun-12 $18,773,980 68
Jul-12 $17,028,900 62
Aug-12 $16,191,988 58
Sep-12 $15,760,488 53
Oct-12 $12,293,778 52
Nov-12 $13,427,995 58
Dec-12 $11,014,305 46
Jan-13 $11,897,900 50
Feb-13 $12,334,590 49
Mar-13 $13,275,440 53
Apr-13 $16,572,900 61
May-13 $15,900,100 57








For more information regarding buying or selling a home go to: http://www.mnrealty.info/

Big Lake Housing Information


Big Lake Housing Information - for more information click here



Month Active Listings, $ Volume Active Listings, Number of
Jun-12 $28,020,078 135
Jul-12 $29,950,151 140
Aug-12 $29,903,481 144
Sep-12 $26,756,606 130
Oct-12 $26,797,917 131
Nov-12 $24,079,907 113
Dec-12 $21,378,617 109
Jan-13 $20,132,087 106
Feb-13 $23,677,388 118
Mar-13 $22,611,628 108
Apr-13 $25,836,317 114
May-13 $24,954,406 111

How to build a deck

How to build a deck  www.counselorrealty.com/bstrom 

Once you have determined the basic design of your deck, the next step is to choose your materials. The most common choices are pressure-treated (P/T) lumber (usually Southern pine), redwood, or cedar. As a rule, pressure-treated lumber is the best choice for the substructure; the species you use for the visible parts of the deck will depend on your budget and the look you want.
The charts in this article will help you determine how much material you need, based on the species you choose. Although there is no such thing as an "average" deck, these instructions assume that your deck is attached to the house, is no more than 6" off the ground, and that there are no special load requirements. All design recommendations below are suggestions only, for estimating purposes. Always check local building codes before determining the final design.
Inside this document you will find information about:
  • Choosing Materials
  • Preparation and Layout
  • Building the Substructure
  • Decking and Railings

CHOOSING MATERIALS
Decking–If you choose pressure-treated lumber, you'll have a choice between 5/4 x 6 decking (1x5-1/2 actual size) or 2" material (typically 2x4 through 2x8, all 1-1/2" thick). The size and species of the decking you choose will determine the spacing between your joists. Recommended spacing for common decking boards is as follows:
Decking
Joist Spacing
5/4x6 P/T Southern pine 16" maximum
2 inch thick redwood, western red cedar, S-P-F, Hem-fir, Northern white cedar 24" maximum, 16" preferred
2-inch Southern pine 24" maximum

Determining Joist Size–2x6s through 2x10s are the most common sizes used for joists. The beams that carry them are typically 4x6 through 4x10, often "built up" from doubled 2-inch lumber. Pressure-treated lumber is generally less expensive than redwood or cedar, and can be used for the substructure even when the decking and railing will be other species.
In most cases, you'll want to determine the spacing between beams first, then use a joist size appropriate to that spacing. If the deck will be no more than 6' off the ground, a common recommendation is to space the support beams no more than 12' apart. As a rule, you'll only need one beam along the outer edge of the deck (a ledger bolted to the house supports the other end of the deck).
Beam Spacing
Joist Size (joists 16" o.c.)
Up to 8 feet 2x6 (Southern pine, Douglas fir, Western red cedar, S-P-F, or Hem-Fir)
2x8 (redwood, Northern white cedar)
8 to 10 feet 2x8 (all species listed above)
10 to 12 feet 2x8 (Southern pine, Douglas fir, Western red cedar, S-P-F, or Hem-fir)
2 x 10 (redwood, Northern white cedar)
Beam Spacing
Joist Size (joists 24" o.c.)
Up to 8 feet 2x6 (Southern pine, or Douglas fir)
2x8 (Western red cedar, S-P-F, Hem-Fir, redwood, or Northern white cedar)
8 to 10 feet 2x8 (all species listed above)
10 to 12 feet 2x8 (Southern pine, or Douglas fir)
2x10 (Western red cedar, S-P-F, or Hem-Fir, redwood, or Northern white cedar)

Determining Beam Size–Since support posts are often run through the decking to serve as railing posts, the specifications below are given for posts that will be spaced no more than 6' apart, with beams that are no more than 12' apart. With these spacing specifications, 4x4 posts are adequate for any deck less than 6' off the ground.
Beam Spacing (round down to nearest foot)
Miniumum Beam Size (doubled 2" material may be used in place of 4" thickness)
Up to 6 feet 4x6 (Southern pine or Douglas fir)
4x8 (Western red cedar, S-P-F, Hem-Fir, redwood, or Northern white cedar)
Up to 7 feet 4x8 (all species listed above)
Up to 9 feet 4x8 (Southern pine, Douglas fir, Western red cedar, S-P-F, or Hem-Fir)
4x10 (redwood, Northern white cedar)
Up to 11 feet 4x8 (Southern pine or Douglas fir)
4x10 (Western red cedar, S-P-F, Hem-Fir, redwood or Northern white cedar)
Up to 12 feet 4x10 (all species listed above)

PREPARATION AND LAYOUT
Preparation–First, prepare the ground under the deck by removing the sod. Slope the ground away from the house a minimum of 1" every 15' to provide drainage. Once the deck is finished, the ground should be covered with 6 mil. black polyethylene to keep weeds from growing.
Measure and mark the position of the ledger along the wall. The height of the ledger should be 1" below the bottom of the door plus the thickness of the decking, plus the depth of the joists if you plan to set the joists on the ledger and beams rather than using joist hangers. It makes no difference which way you set the joists, as long as your layout is consistent.
Ledger and joist connections.Mount a 2x6 ledger to the wall with 1/2" lag screws. The ledger must be level, and the lag screws should be long enough to penetrate the studs at least 3". Use two lag screws at each end, and one at each wall stud (typically 16" on center) in between. Install a "Z"-shaped flashing above the ledger to shed water, or space the ledger away from the wall with washers.









Use the equal diagonals method to square your layout.Layout–To establish the outside perimeter of the deck, measure out from each end of the ledger about 18" beyond the outside edge of the deck. Set up batter-boards as shown, then run taut strings from each end of the ledger to the batter-boards to establish the sides of the deck.
Run a third string between the batter-boards to establish the outside edge of the deck. Square the layout by measuring the opposite diagonals, then adjusting the ledger-to-batter-board strings until both measurements are equal. Take care to maintain the correct distance between the strings.


BUILDING THE SUBSTRUCTURE
Post, pier, and footing detail. The footing must extend below maximum frost depth.Footing and Piers–Use a plumb bob from the string to establish the location of the footings. The holes for the footings must be deeper than the maximum frost penetration in your area, and deep enough to rest on undisturbed soil. It's a good idea to dig 6" deeper and fill the bottom of the hole with gravel, to allow drainage.
Mix concrete and pour the footings. To find the number of 90# bags of ready-mixed concrete you'll need for each 12x12 footing, measure the depth of the footing in inches and divide by 8. As you finish each pour, set a pre-cast pier on the footing so it extends about 6" above the ground level. Use a thin cement mix to bond the piers to the footings.
Posts–After the concrete has set, stand the posts on the piers. Use temporary braces and a level to plumb the posts. Once the posts are set, run a mason's line from the top of the ledger to each post and use a line level to mark it for cutting. The height of the post should be equal to the height of the ledger minus the depth of the beam that will be set on it.



Secure the beams to the posts with structural connectors, and cross brace the assembly if necessary.Beams–Fasten post-to-beam connectors on top of the posts with nails and 1/2"x5-1/2" hex bolts, then set the beams into the connector. Plumb and square the assembly, then secure the beams as you did the posts. If local building codes require it, install 2x6 diagonal cross braces and secure them with 1/2"x4-1/2" lag screws.








A sample joist assembly.Joists–Mark the joist locations on both the beams and ledger, either 16" or 24" o.c., as per your design. Set the joists in place with the crowns up.







To splice joists, lap them at least 12 inches and nail them together with galvanized nails.If the deck is wide enough that you need two sets of joists (and if you set the joists over the beams rather than hanging them from joist hangers), splice the connections by overlapping each pair of joists at least 1' and nailing them together with 8d galvanized nails.





Use blocking between joists over beams and wherever required by local building code.Install blocking between the joists wherever required. Blocking requirements are determined by your local building codes. Finally, nail the rim joist across the ends of the joists.
Stairs–Build any stairs you will need. Instructions for building outdoor stairs are covered in an accompanying brochure.

DECKING AND RAILINGS
Decking–Deck boards should be laid with the bark side up, and with both ends centered over a joist. Stagger the joints of side-by-side deck boards so they don't line up. Notch the boards around posts or other obstructions, leaving 1/8" space for drainage.
2"-thick deck boards should be spaced approximately 1/8"; most builders set a 16d nail between the boards as they fasten them. 5/4"'x6" pressure-treated decking may be placed with each board flush against the next; natural shrinkage will provide the proper spacing.
When you lay the decking, keep the bark side of the deck boards up, make sure all joints are supported, and stagger the joints for a cleaner appearance. If you use nails, angle them toward the center to keep the board from twisting.Fasten the deck boards at each joist. Use two fasteners per support point for decking up to 6" wide, or three fasteners for wider boards.





You can use nails, screws, or clips to fasten deck boards. All fasteners must be either galvanized, stainless steel, or aluminum to prevent rust and staining.Deck screws or clips are generally better than nails, but all fasteners must be hot-dipped galvanized, aluminum, or stainless steel. If you use nails, blunt the points by tapping them with your hammer, to avoid splitting the decking.
Let the decking run over the edge of the structure, then saw the ends off after all boards are laid.
Railings–Secure the railing posts at each corner of the deck, and on each side of the stairs. Then secure the field posts, spaced equally between the corners but no farther apart than allowed by local building codes (typically 6'). Nail the sub-railings and cap rail in place, then add the balusters.

TOOL AND MATERIAL CHECKLIST
  • Level and Line Level
  • Mason's Line
  • Ready-mixed Concrete, Gravel
  • Shovel
  • Structural Connectors
  • Adjustable Wrench
  • Chalk Line
  • 8d and 16d Galvanized Common/Box Nails
  • Lumber for Posts, Ledger, Beams and Joists
  • Railing Material
  • Stain
  • 6 mil. Black Polyethylene
  • Plumb Bob
  • 2x2s and 1x4s for Batter Boards
  • Wheelbarrow
  • Concrete Piers
  • Lag Screws, Hex Bolts w/ Nuts and Washers
  • Hammer
  • Measuring Tape
  • Screws
  • Deck Boards
  • Framing Square
  • Brushes and Thinner





For more information regarding buying or selling a home go to: http://www.mnrealty.info/

Monday, May 6, 2013

Does a newly sealed driveway help sell your house?


Short answer: Yes

A driveway that is newly sealed and without large holes and cracks is the first thing a homeowner sees when they drive into your home. There have been numerous studies done but most indicate that a large majority of people decide on a home in the first 10 seconds. In 10 seconds they haven't seen much more than your driveway and maybe your front door so those are very important aspects of selling your home.

For more tips on selling your home visit my website and ask for a free brochure at bstrom.counselorrealty.com

Saturday, May 4, 2013

Spring Housing Maintenance

Winters are hard on houses, especially when they last as long as ours did. Every house needs certain maintenance including:


Gutters
Debris-choked gutters are a leading cause of water damage. Even a single clog of leaves can redirect water out of gutters and into your home’s walls. Be sure to follow proper safety precautions when inspecting your gutters, and when you’re in doubt, hire a professional.

Plumbing
Cold winters can be brutal on pipes. Get into the basement and check your plumbing hill washing the dishes, watering the lawn, or taking a shower–any time you’re pushing a large amount of water for an extended time. Look for leaks, drips, or even surface moisture. A small leak is an easy fix that will save on your water bill, but if a leak grows and floods, pipe repair will be the least of your problems. Recheck the pipes an hour later for signs of dampness and slow leaks.
Foundation
Runoff and freezing temperatures can cause cracks in your foundation. Be sure to seal these cracks as you find them, and consult a pro if you have any questions about hidden damage or any impact on your home’s structural integrity. Pay special attention to any areas where water might pool against the foundation, often caused by lost soil.
Air Conditioning / Ventilation
Your AC unit will get a workout over the summer, so be sure your vents are free of debris and your filters are new. If you use window-mounted units, ensure that window seals are tight and wall-mounted supports are securely fastened.
Seals
Heat and cold are both hard on rubber seals and caulking. Replacing seals around your doors and windows can pay for itself in just a month and requires very little effort, so there’s no reason to avoid it.
For more information that will help you sell your home go to www.counselorrealty.com/bstrom

Wednesday, May 1, 2013

How to sell your own home


Selling a home in any market can be cumbersome but today's market presents new challenges

There are three factors that will determine whether your home will sell

1. Location

2. Price

3. Condition

Sometimes there isn't a lot you can do about the first two unless your you have a favorable loan to value which isn't all that common these days; and moving your house isn't very practical. Condition is the one thing that most people can affect.

First thing to do that won't cost any money is to give the appearance of better condition and how you do that is to clean up. It has been estimated that homeowners could loose as much as 7.5% off the sale of their home just from not cleaning and decluttering - on a $200,000 house that is $15,000!

Second thing to look at doing is sprucing up some appearances - sometimes when we see a problem day after day we forget it is there have a friend or a professional Realtor look for small things like missing molding, unfinished projects, water stains, etc. It is not always easy to critique someone else's home so make sure you find someone that will tell you the truth.

Third is to do a little remodeling new floors give a wow factor that won't destroy your budget, new appliances will always pay for themselves, but the most important part of your home in the entrance. A recent study indicated that 95% of home buyers make their decision on whether to buy a home in the first 10 seconds. You should buy a new front door, make sure the front is clean (no spider webs, dirt, dying plants, etc.), and don't store anything in the front of the house. You can do many things to make your home look nice but if they see dying plants or spider webs by the front door the rest won't impress them anymore since they have already made up their mind.

For more helpful hints and professional advice go to Ben Strom's website  - there is so much to do in order to get a house sold and simply listing it with any old Realtor won't get it done. Contact me for a free consultation and more information by email