Nov. 17, 2022

Should I Sell My House Now or Wait for 2023?

Here are the top 6 reasons people are selling homes now instead of waiting for spring 2023. If any of these reasons resonate with you, contact us to navigate this market and sell your home in an efficient manner.

1. You’re Ready to Upgrade to a Bigger, Better Home

While interest rates have risen rapidly in the last few months, they aren't wildly out of hand compared to historical data. Now could be the perfect time to start your next adventure before the chaos of the spring market ensues. The buying experience has almost returned to the thoughtful process it once was, compared to the chaotic buying experiences you've heard horror stories about since 2020. Buyers are able to contemplate every option, obtain an inspection, and make the best decision for their situation.

2. Twin Cities Housing Inventory Remains Low

Inventory of homes for sale is still extraordinarily low, which means demand for housing is high. The latest report by the Saint Paul Area Association of Realtors shows approximately 9,000 homes for sale throughout the 12 Twin Cities metro area counties, outlined in the graph below. Housing inventory would need to double to create a balanced market. This particular market creates the perfect opportunity to sell your house, and buy a new one without getting stuck in the bidding wars anticipated in the spring 2023 market.

3. Opportunities to Increase Buyer Interest

Until the initial shock of the interest rate increase wears off, sellers have a few options to increase visibility while on the market. One of the most popular ways is to offer a 2/1 Buydown.

How does a 2/1 Buydown work? It’s simple. The seller pays for 2%-3% of the buyer’s closing costs, and the lender uses it to buy down the interest rate. This option is designed to cushion the buyer’s first two years of mortgage payments.

4. Home Appreciation

Sellers can use the rapid appreciation from the past few years to cash in on their equity and make a move to their dream home. Homes have appreciated at record highs over the past two years, an average of $17,000 in equity according to data from CoreLogic. The Twin Cities is a unique place that likely won't see drastic housing price changes due to the influx of out-of-state buyers.

5. Your Housing Needs Have Changed

Whether it's working from home, getting engaged, or having a baby—our lives are always changing, and sometimes a new house is the best way to welcome new adventures. Many people are spending more time at home than they ever have before and are starting to see their needs have changed. Perhaps you’ve found yourself daydreaming about more bedrooms or a kitchen built for entertaining. Now is the perfect time to find the home of your dreams, and find it before the high demand spring market hits.

6. Should I Sell My House Now or Wait Until Spring Market 2023?

There's no denying the rapid increase of interest rates had buyers stunned for a moment there. The reality is that an increasing number of buyers are coming to the Twin Cities metro area from other states, looking for a greener, cleaner environment, and having just cashed in on a monumental sale from a city like San Francisco or Seattle. With the steady stream of out-of-state buyers looking to Minnesota for its healthy living standards, it might just be the perfect time to strike on your dream home.

Let us know  if you have any questions about selling a home in the Twin Cities. One of our experienced realtors will be in touch as soon as possible. 

We can start the process today!

Visit our blogs about Selling Your Home or Selling Your Multi-family Investment Property.

Nov. 9, 2022

The HIVE Gives Back to Twin Cities Nonprofits

The HIVE is a team of expert negotiators focusing on social responsibility and building community.

Our specialty is helping people buy and sell houses. Connecting people with a place to belong is our passion.

We are thrilled to support Riveter & Warrior Hockey through donations made to the booster club in honor of our clients.

 

How does it work?

Each client chooses a nonprofit that is near and dear to their heart

The HIVE Fund takes care of the rest.

Contact us today to turn your wish lists into reality, we are licensed in Minnesota & Wisconsin.

 

 Residential Investment Luxury Second Homes

 

The HIVE Fund


Oct. 24, 2022

Toast for Toys 2022 - Sociable Cider Werks

You're invited to Toast for Toys 2022! Invite your friends & family, too!

Each year we collaborate with local school counselors and PTA's to identify families in need of a little extra cheer!

Purchase a gift from our list of needs and bring it to Sociable Cider Werks on December 3rd from 1pm-4pm.

We'll buy your drinks and celebrate the holiday season together!

 

Can't make it? Contact us if you would like to participate in another way such as Venmo donations, cash donations, gift drop off on a different day, etc.

Last year was so fun, we couldn't resist another party!

Posted in Community News
Sept. 21, 2022

FAQs for Buying a House (And Why You Need a Trusted Realtor)

Read our latest blog about buying a house and get all your questions answered!

The realtors at The HIVE have experience helping people buy homes throughout the Twin Cities and surrounding communities. 

If you have additional questions, or are ready to start the journey of finding your perfect home, contact us today.

1. What is the process of buying a home?

2. Why is getting pre-approved for a loan important before touring houses?

3. How do we start searching for a house to buy?

4. When can we tour houses?

5. Why is it important to hire a trusted realtor?

6. How do we write an offer to buy a house?

7. What happens once our offer is accepted?

8. What costs are associated with buying a house?

1. What is the process of buying a home?

  1. Contact a lender to start the mortgage pre-approval process.
  2. Your realtor will create a custom search on the Multiple Listing Service (MLS) platform which provides accurate information about the houses for sale that fit your criteria.
  3. Start touring houses for sale with your realtor.
  4. Once you've found the perfect house, you'll work with your realtor to write an offer.
  5. Upon offer acceptance, you'll schedule a home inspection and continue the mortgage approval process with your lender.
  6. You will take a final walk through the house prior to closing to ensure the house is in the same condition.
  7. On closing day, you'll sign documents at a title company and receive the keys to your new house!

2. Why is getting pre-approved for a loan important before touring houses?

Getting a pre-approval from a lender is the foundation of the entire process to buy a house.

  • It helps you know what you can afford before starting to tour houses.
  • It saves you time and energy.
  • It gives you the opportunity to find the best program for your needs.

3. How do we start searching for a house to buy?

Your realtor will set up a search on the MLS that fits your criteria for a house. The biggest factors are location, price range, and bed, bath & garage counts.

  • Location Considerations
    • Long term plans
    • Proximity to lifestyle and family favorite activities
    • Schools
    • Distance to jobs, family and friends
  • Price Range
    • Determine the range that works best for your situation.
    • The maximum price a lender approves you for, may not necessarily be how much you can afford to spend.
    • Set a monthly mortgage budget and decide a range you will be comfortable with each month.
  • Bed, Bath & Garage Counts
    • The MLS has data fields to fit your needs. Is an attached garage a "must-have"?
    • The search is interactive and helps your realtor know the homes that you want to tour.

4. When can we tour houses?

Whenever you're ready and have been pre-approved with a trusted lender!

  • Communicate with your realtor - make sure they know the homes you want to see and your preferred schedule.
  • Consider setting aside time to tour houses for sale ahead of time. House hunting can be time consuming.
  • Buyers with flexible schedules tend to see faster success.
  • Be prepared to take notes and observe the things you like or dislike.
  • Be honest with your feedback.

5. Why is it important to hire a trusted realtor?

Hiring a trusted realtor is important because buying a house is likely one of the largest purchases you will make in your entire life. It is important to find a realtor you enjoy spending time with and can have open and honest communication. Here are some characteristics you will find valuable in a realtor: 

  • Knowledgable about the current real estate market
  • Trustworthy
  • Dependable
  • Flexible
  • Strong Work Ethic
  • Attention to Detail
  • Excellent Negotiation Skills

Hiring a realtor within a large brokerage, such as Coldwell Banker Realty, can also be a quality asset. Coldwell Banker Realty is one of the top-performing brokerages in the Twin Cities, currently ranked #1 in Ramsey and Hennepin County for leading brokerage by total sales volume for 2022.

6. How do we write an offer to buy a house?

Almost everything is done electronically! You will work with your realtor to create a competitive offer using the following:

  1. Get a pre-approval letter from your lender. Your realtor will submit this with your offer to show you are qualified for the loan.
  2. Decide on your purchase price.
  3. Set a closing date - Typically within about 30-45 days.
  4. Earnest Money - An amount of money, similar to a deposit, offered to show your dedication to purchasing the house. This is typically 1%-2% of the purchase price and will show as a credit to you on closing day.
  5. Home Inspection - Is the purchase contingent on inspection? How many days would you like for the inspection period? A typical inspection period is 5-10 calendar days. Read our Top 6 Reasons to Get a Home Inspection.

7. What happens once our offer is accepted? 

This is called the escrow period. Here is what you can expect between offer acceptance and closing day:

  1. Your loan goes through underwriting and is finalized.
  2. The lender orders an appraisal to determine the value of the house.
  3. The title company will examine the house's title to ensure it is clear for your ownership.
  4. You will take a final walk through the house prior to closing.

8. What costs are associated with buying a house?

  • Earnest Money - An amount of money, similar to a deposit, offered to show your dedication to purchasing the house. This is typically 1%-2% of the purchase price and will show as a credit to you on closing day.
  • Closing Costs - Fees due for services such as title commitments and mortgage origination, typically 2-3% of the purchase price.
  • Down Payment - Down payments can be as low as 3% for a conventional loan or 3.5% for a FHA loan.

Let us know if you have any questions about buying a home.

One of our experienced realtors will be in touch as soon as possible. 

We can start the process today!

 

Posted in Buying a Home
Aug. 9, 2022

The HIVE at the 9th Annual Ice Cream Peanut Butter & Jam

 

9th Annual Ice Cream, Peanut Butter & Jam!

 

Merriam Park

2000 Saint Anthony Ave, Saint Paul, MN 55104

Saturday, September 17th, 2022

12:00am to 4:00pm

We will be tabling this year at the 9th Annual Ice Cream, Peanut Butter, and Jam hosted by the Union Park District Council!

This event is FREE to the public and offers tons of fun activities such as free ice cream, bouncy houses, face painting and great local musicians. The Union Park District Council will be collecting peanut butter donations for the local food shelves.

 

Not able to attend this year?
Consider donating to the cause by clicking the button below.
Donate Now
 

 

Posted in Community News
Aug. 9, 2022

Selling a Duplex in 2022

Thinking about selling your duplex in 2022?

Contact us today to speak with an experienced realtor! We sell multi-family properties in Saint Paul, Minneapolis, and all of the surrounding communities.

See what Julia said when we helped her sell two multi-family homes:

My family worked with Mya to sell two multi-family buildings in St. Paul. She guided us with expertise, tact, compassion, and professionalism throughout the process. We could count on her to lay out all the options, provide opinions when asked, and change gears when necessary. Thank you Mya! Selling family buildings during COVID was made easier because of your leadership and your fabulous team!

- Julia J.

1. Gather Information About the Property

It is important to gather the following information to help provide buyers with a complete picture of the property when it hits the market.

  • Monthly rent for each unit
    • If any units are vacant, we will measure the space and determine the market rent rate.
  • Annual Income
  • Annual Expenses
  • How utilities are paid
  • Rental history (if possible)
  • List of updates and improvements

 

2. Determine List Price

Establishing the value and list price for your property involves researching and comparing similar properties and weighing factors including:

  • Location
  • Condition
  • Amenities
  • Market Conditions

Together with your realtor, you will arrive at a competitive price aimed at generating strong buyer activity for selling your multi-family property.

 

3. Market Your Home

We provide the following services while being as courteous to your tenants as possible:

  • Professional photography
  • Yard signage
  • Local newspaper ads
  • Customized property marketing - Fully curated brochures for each listing--meaning your property will stand out amongst the rest!

We are also able to market your property within our vast network of Coldwell Banker agents prior to it hitting the open market.

 

4. Showing the Property

One of the most difficult aspects of selling a multi-family property is creating availability for buyers to tour the property. If the property is difficult to access, it may remain on the market and grow stagnant. As your realtor, we guarantee to provide the following:

  • Maintain an open line of communication with you and your tenants
  • Work with you and your tenant's work and sleep schedules
  • Arrange 2 hour showing periods, hosted by one of our real estate agents to allow buyers access to the entire property

 

5. Process the Sale

  • We provide constant communication throughout the sale process, guiding you through each step with care and precision.
  • We will review all offers and terms of each offer with you and negotiate on your behalf so that you obtain the highest possible price for your home while limiting your exposure and protecting your best interests. 
  • Our team has vast experience in multi-family homes and understands the intricacies involved in processing a sale such as this.

 

6. Support Your Favorite Nonprofit Organization - A HIVE Real Estate Exclusive!

 

 

Email us any questions you have about selling a multi-family investment property. One of our Twin Cities realtors will be in touch as soon as possible.

 

Subscribe to our blog:

* indicates required

July 20, 2022

Selling Your Home in the Twin Cities 2022

Selling your home doesn't need to be complicated. Finding the right realtor is the first step. 

Contact us today to get the conversation started! We sell homes in all of the surrounding Twin Cities communities, and offer low-pressure, no obligation consultations.

1. Meet with The HIVE

2. Prepare Your Home for Sale

3. Determine List Price

4. Market Your Home

5. Process the Sale

6. Support Your Favorite Nonprofit Organization - A HIVE Real Estate Exclusive!

 

1. Meet with The HIVE

Come visit our Saint Paul office! We'll drink cappuccinos and discuss your goals.

  • Where will you go next?
  • What does your timeline look like?
  • Busy schedule or out of state? We can set up a virtual appointment. 

Our extensive experience in real estate education will ensure you are protected and informed at each step of the home-selling process.

We will take the time and give our professional opinion on easy improvements you can make to get the highest return on investment.

2. Prepare Your Home for Sale

Knowing how to showcase and accentuate the best features of your home, without incurring unnecessary expenses, is at the core of what we do. As we tour your home, we take the time to learn about it, address your questions and needs, provide more information about our marketing strategies, share market insights, and decide next steps for selling your home.

3. Determine List Price

Establishing the value and list price for your property involves researching and comparing similar properties and weighing factors including:

  • Location
  • Condition
  • Amenities
  • Market Conditions

Together with your realtor, you will arrive at a competitive price aimed at generating strong buyer activity for selling your home.

4. Market Your Home

As part of our full-service brokerage, the following services are included in our listing package:

  • Professional Photography
  • Public Open Houses & Broker Tours
  • Yard signage
  • Local newspaper ads
  • Coldwell Banker Sales Agent Networking (Pre-market included)
  • Curated Property Brochures

5. Process the Sale

We are by your side from start to finish and provide constant communication, guiding you through each step of selling your home with care and precision.

We will review all offers, the terms of each offer, and negotiate on your behalf so that you obtain the highest possible price for your home while limiting your exposure and protecting your best interests. 

The final step is to close on the sale, and pop the champagne!

6. Support Your Favorite Nonprofit Organization - A HIVE Real Estate Exclusive!

  • Our goal is to take care of our neighbors. At the close of each home sale or purchase, we write a grant from The HIVE Fund, a donor-advised fund with the Saint Paul & Minnesota Foundation.
  • Each client gets to choose a non-profit to support.
  • Since 2019, The HIVE Realtors have raised and donated over $80,000 and volunteered over 500 hours with many of the local non-profits supported through their event planning and community efforts.
  • Visit The HIVE Fund to learn about some of the local nonprofits clients have chosen to receive grants.

Email us any questions you have about selling a home. One of our Twin Cities realtors will be in touch as soon as possible.

 

Free Checklist:

Posted in Selling Your Home
July 12, 2022

Bags for a Cause - The Sanneh Foundation's Bags Tournament

 

Bags for a Cause - The Sanneh Foundation Bags Tournament

Conway Recreation Center

2090 Conway Street, Saint Paul, MN 55119

Saturday, July 30th, 2022

11:00am to 4:00pm

Join the Sanneh Foundation's Associate Board for their first annual bags (aka cornhole) tournament! This fun-filled event features a beer tent, food trucks, music, and activities for kids. No experience or skills necessary.

Tickets are available for $50 per team. Grab a few friends and join us in raising money for one of Saint Paul's most influential nonprofit organizations!

Sign Up Today!

Registration begins at 10:30am - We look forward to a beautiful day with you!

Visit their website to learn more about The Sanneh Foundation.

Not able to attend this year?
Consider donating to the cause or becoming a Sponsor!
Donate Now
Become a Sponsor
Sponsorships start at $250.

Please reach out to Megan at megan@socialresponsiblerealtors.com with any questions!

Posted in Community News
May 24, 2022

A Realtor's Guide to Primary Residences vs Second Homes

Have you been thinking about buying a second home or investment property?

The realtors at The HIVE have experience helping people buy primary residences, second homes, and investment properties. We put together this quick read to help you learn about your next potential real estate purchase. Read our blog for more information about second homes and investment properties.

If you have additional questions, or are reading to find your perfect second home, contact us today.

1. Primary Residence vs. Second Home

What is the difference between a primary residence and a second home? Buying a second home is very similar to buying a primary residence, although there a few key aspects to consider:

  • A second home is defined as a residential property that the owner did not purchase for use as an investment property. The owner resides in the home for at least part of the year but does not use as the primary residence. 
  • Many lenders require buyers to put down a minimum downpayment of 10% (compared to a potential 3% downpayment for a conventional loan on a primary residence).
  • Buyers will likely pay a slightly higher interest rate for second homes than primary residences.

Buying a second home is slightly more complicated than buying your primary residence . If you are looking to get a mortgage for your second home, you will likely need a larger down payment and have to pay a higher interest rate. It’s important to discuss with a lender before touring homes to verify what types of homes will be a good financial fit for you, your family, and your goals.

2. Second Home vs. Investment Property

Sometimes the terms "second home" and "investment property" are used interchangeably, however there are a few distinct differences.

  • An investment property is purchased for the primary purpose of generating income, while a second home is not. 
  • Second home loans are typically easier to qualify for than investment properties.
  • Second home loans typically receive lower interest rates than investment properties.
  • Investment Properties are able to depreciate even while they're appreciating in value:
    • Appreciation is when the value of the property increases over time.
    • Depreciation allows investors to recoup some of the costs of managing an investment property by claiming a tax deduction. Tax depreciation is a theoretical loss in value over time as a result of typical wear and tear. 
    • Taxes are difficult, so always consult a tax professional.

3. Renting Out Your Second Home

While owning a rental property can take a large initial investment, each time your property is rented out, you earn income that you may use to improve your property or help pay the mortgage. If you’re only planning to occupy your second home for a couple of weekends each month, it may be a great idea to set it up to rent out a week or two. Visit our investment property blog to learn more about the benefits. 

For tax purposes, a property is a second home if the owner lives in it for at least 14 days each year or 10% of the number of days it is rented out.

Typically, if the second home is rented out for less than two weeks per year, the owner can keep the rental income without paying taxes on it.

4. Why are People Buying Second Homes?

According to the National Alliance of Home Builders, the U.S. has a stock of 7.5 millions second homes as of 2018, reports predict that this number increased dramatically in the last two years due to the increase in availability (and sometimes necessity!) to work from home. Reason people are buying second homes include but are not limited to:

  • Looking for a getaway from the city
  • Looking for a place for the future
  • Vacation Retreat
  • Family Retreat
  • Investment Property
  • Retirement
  • Being closer to friends and family

5. Things to Consider When Owning Two Homes

While it may seem pretty straight forward, it's important to consider the costs associated with owning two homes. Once you've purchased a second home, you'll be responsible for the following on both homes:

  • Property taxes
  • Insurance
  • Furniture
  • Utilities
  • Possible HOA fees
  • Security
  • Maintenance

6. Kiddie Condo Loans

The name is slightly misleading, because "Kiddie Condo Loans" can actually apply to several types of residential real estate. So what do we mean when we say "Kiddie Condo Loan"??

A kiddie condo loan is an easier way for parents to purchase investment property, rent to their children or family members at market rate, and build equity. 

  • These types of investment loans are administered by the Federal Housing Administration - Both the parents and the child or family member who will live in the home are on the loan.
  • It's a great way for parents to help their children get into their first home.
  • It's an alternative to renting an apartment or dorm in college
  • It's an alternative to renting for seniors who need to be closer to family for help as they age. 
  • Easier qualifying standards than a typical investment property. 

 

Let us know if you have any questions about buying a second home.

One of our experienced realtors will be in touch as soon as possible. 

We can start the process today!

 

May 16, 2022

Twin Cities Residential Real Estate Investing

Curious to learn more about investing in residential real estate? Read our blog about Twin Cities residential real estate investment to learn about some pros and cons, commercial versus residential real estate investing, and residential real estate investment strategies.

Let us know if you have any more questions, one of our Twin Cities realtors will be in touch as soon as possible!

 

1. Single-Family Investment Property

When purchasing a single-family home as an investment property, most investors will simply break even the first few months to a year of ownership. After the first year or so, tax breaks and rental increases may result in earning a profit within a few years.

A huge benefit to investing in a single-family home is that you can use the profit from that investment to finance your next purchase. A con of investing in a single-family property is there is no economy of scale. For example, if you fix a roof on a four-plex, you have reroofed four units, which is 25% per unit. If you fix a roof on a single-family, your cost is 100% per unit.

If you're a handy person, sweat equity can pay off. By buying a fixer-upper, you can make well-planned and thoughtful updates that can increase the value of the property. Depending on local regulations, you may be able to rent the units at a higher price.

2. Multi-Family Investment Property

There are many benefits to investing in a multi-family property in the Twin Cities. Read our blog about the Top 4 Benefits of Buying an Investment Property. If the property is earning rental income when you purchase it, the debt-to-income ratio will be reduced, allowing you to purchase a bigger investment that if the property is vacant at the time.

With multi-family properties, the expenses remain flat while rental income has the potential to increase year after year. For example, you purchase your first duplex as an owner-occupant. At first, the property needs a little bit of elbow grease. You move in, and start updating the units bit by bit. Your first year of rental income is about $1,500 per month. As the years progress, you continue updating the units with things like new tile, new countertops, new stainless appliances, and many other beautiful touches. In a few years, that same duplex can be generating $1,635 per month, while your mortgage and maintenance costs remain the same as when you first bought it. That extra income each month can be used to finance your next home purchase or larger investment property. 

3. Commercial Residential Investment Property

Commercial residential properties are described as any residential property with five or more units. Commercial residential properties typically have more stringent financing requirements-- investors may be required to put as much as 50% down or more, depending on the current rental income of the property. One thing to consider before investing in a commercial residential investment property is that these types of properties may not be owner-occupied, therefore, they have different tax benefits than a regular multi-family property.

Currently in the Twin Cities, available housing inventory continues to remain low and prices continue to rise. When there is a high demand amongst would-be buyers, they turn to the rental market, making it easier to profit from owning a multi-family property, and less likely to deal with lengthy vacancies in your building.

4. Condominiums as Investment Property 

While ownership held in a condo is similar to other residential properties, ownership rights and how the property is managed is different.

  • The space inside the condo unit belongs to the owner, as well as a share of the common spaces such as elevators, hallways, etc.
  • Depending on the associations rules, you may have the opportunity to sublet the condominium.
  • Some lenders view condos as a slightly higher risk, so they might require a higher down payment.
  • There may be occupancy restrictions involved with a condominium. Many associations set a percentage limit of how many units can be part of the short-term rental pool. 

In some cases, a single-family detached home may be part of a condominium format.

  • Some neighborhoods condominiumize their area and share amenities such as community centers, hiking trails, and other fun activities for all of the condo owners to enjoy.

No matter which type of condominium you intend to purchase, we always recommend reading the bylaws before entering into a contract. Many real estate contracts allow buyers a ten day right of rescission period to review all the necessary documents before moving forward with the purchase. It's also extremely important to read through the board meeting minutes to get an idea of how the association is run and the financials to determine if there is sufficient money in the reserves to pay for the imminent expenses of the common areas.

5. Tax Benefits of Investment Property

Historic home renovations can lead to more tax credits. Changing a well-built historic mansion into several apartments with architectural charm, you may be able to take a tax credit up to 20% of the cost of renovations.

  • The home needs to be listed on the National Register of Historic Places, or located in a historic district.
      • With this type of investment, there are more guidelines to follow and rules about what can or cannot be changed due to local historical regulations.

    Low-income housing opportunities may also lead to tax credits, making it a desirable investment. When you invest in a historic home or a low-income housing opportunity you may be able to get a tax credit, which is typically more beneficial than a tax deduction. 

        • A $100 tax deduction in a 33% tax bracket might save $33 in taxes.
        • A $100 tax credit in a 33% tax bracket saves $100 in taxes.
          • Example: An investor has a $20,000 tax credit for building a low-income apartment building. The investor owes $45,000 in taxes for that year, but after applying the credit, their taxes are reduced to $25,000.

    Depending on the type of property you choose to invest in, you may also be able to write off the following expenses as tax deductions:

          • Mortgage Interest
          • Property Tax
          • Operating Expenses
          • Depreciation
          • Repairs
          • Insurance
          • Maintenance

    For more information, reach out to a licensed tax professional to learn about the different tax benefits for rental real estate property owners. 

    6. Fair Housing is for Everyone

    Remember, fair housing is for everyone. When investing in any type of rental property you must adhere to federal and state fair housing laws. The federal laws prohibit discrimination against the following classes:

        • Race
        • Color
        • National Origin
        • Religion
        • Sex
        • Familial Status
        • Disability

    In Minnesota, the following classes are protected in addition to the federal housing laws:

        • Marital Status
        • Creed
        • Public Assistance
        • Gender Identity

    Email us any questions you have about investing in residential real estate in Minneapolis, Saint Paul, or any of the surrounding communities.

    One of our Twin Cities realtors will be in touch as soon as possible.