Initial Sign Up for Internet Banking Take a Tour of Internet Banking Initial Sign Up for Internet Banking Take a Tour of Internet Banking

The Residential Real Estate Market is Hot!

Just last month, the median home listing lasted 38 days on the market before being sold. We saw multiple home sellers sign pur­chase contracts on the day their home was listed for sale and a number of buyers have been will­ing to offer the full list price for a home and/or offer to buy with no contingency to sell their existing home. They’re doing these things to prevent another prospective buyer from swooping in before the closing. If you are serious about buying, these four steps will help you get a jump on the competition: 

1. Meet with me to get prequalified

Whether you’re buying your first house or your fifth, I will re­view the steps in the process and help determine what you can afford. Unlike the mortgage brokers out there looking to make a quick buck on a one-time transaction, Citizens State Bank is looking for life-long relationships. Our rates and fees are al­ways competitive and we offer all the programs from FHA, VA, USDA, as well as conventional financing through Fannie Mae and Freddie Mac.

2. Know what you are looking for

Focus your search by making a list of the must-have items ver­sus the negotiable items. Decide what area you prefer to live in. Make a list of the cities, neighborhoods, or rural areas that fit your needs. 

3. Meet with a real estate agent

While you will likely start your search online, the majori­ty of home buyers work with a real estate agent to complete the transaction. An experienced agent can save time, provide advice, help negotiate the purchase price, and prepare the purchase agreement.

4. Keep saving
Do what you can to save for buying your new home. Wait to purchase that new car or piece of furniture until after you move in to your new home. Having additional cash on hand improves your financial picture and can go a long way to help with a down payment.

Call Janette Wroge at 952-467-7510

Contact Us Id Theft Order Checks ATM Finder Calculators Hours