Columbia Heights: Named 2016 All-America City

Big congratulations to our new favorite homeowners in Columbia Heights, MN! It gives us a chance to talk about Columbia Heights.

Columbia Heights is a first-ring northern suburb of Minneapolis. It is bordered by the city of Fridley to the north and west; New Brighton and Saint Anthony to the east; and Minneapolis to the south.

Big news this year, the National Civic League selected Columbia Heights as one of ten cities to win the 2016 All-America City Award for outstanding community accomplishments! You can learn more from the video:

 

Demographics Facts

  • As of the census of 2010, there were 19,496 people, 7,926 households, and 4,558 families residing in the city.
  • There were 7,926 households of which 27.7% had children under the age of 18 living with them and 38.5% were married couples living together
  • The median age in the city was 36.9 years.
  • The median value of home is $153,100
  • 64% of the homes are owner-occupied
  • Average travel to work is 24 minutes
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New Mortgage Tip #4 – be realistic about a budget and the life you enjoy

Happy to share great advice from House Logic on getting a mortgage.

Tip #4 – be realistic about a budget and the life you enjoy

Track your spending monthly, so you really know how much you spend. Factor fun into your future when deciding which mortgage offer is the best fit. “Two years into your home purchase, you want to be happy you did it,” says Jacobin. “You don’t want to be mortgage poor.”

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New Mortgage Tip #5 – read the paperwork

Happy to share great advice from House Logic on getting a mortgage.

Tip #5 – read the paperwork

Watch for these docs.

  1. The loan estimate will come first. Here are some key things to look for:
  • The APR (see No. 2 above)
  • The interest rate
  • The monthly payment
  • The loan terms, such as a 30-year or 15-year mortgage, adjustable rate or fixed
  • The total cost of the loan
  • Cash amount you’ll need at closing
  1. The closing document will come at least three days before you close. It should look just like the first document, but instead of estimates it will have final numbers. If you see any increases or additional fees you weren’t expecting, question the lender immediately. Because if it shows even a tenth of a percent interest-rate jump you weren’t expecting (say 4.1% instead of 4%) — and you don’t question it — that could mean a difference of almost $3,700 on a $176,000 mortgage.

Review and compare them. And, most importantly, don’t be afraid to speak up if you spot a surprise.

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New Mortgage Tip #3 – don’t fall for marketing gimmicks

Happy to share great advice from House Logic on getting a mortgage.

Tip #3 – don’t fall for marketing gimmicks

Block out the noise. Shop for your mortgage according to trusted recommendations and reliable reviews, not slick deals that sound too good to be true.

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New Mortgage Tip #2 – compare loans correctly

Happy to share great advice from House Logic on getting a mortgage.

Tip #2 – compare loans correctly

Compare loans by the annual percentage rate, or APR, not just by interest rate. Each lender should give you a document aptly named “loan estimate.” The APR will be listed there (if it’s not, you don’t want that lender). The APR combines a home loan’s interest rate with closing costs and other fees like points (which is why it’s usually higher than the interest rate), then converts the overall costs to an annual percentage. This gives you an apples-to-apples comparison so you can understand what you’re paying over the life of the loan.

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New Mortgage Tip #1 – find your mortgage before you find your home

Happy to share great advice from House Logic on getting a mortgage.

Tip #1 – find your mortgage before you find your home

Start talking to lenders at least three months — maybe even a year — before you start house hunting. Time-consuming tweaks like paying down debt or improving your credit score can have a dramatic effect on overall mortgage costs.

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The August Skinny from the Mpls Area Association of Realtors

What’s going on with the Twin Cities housing market? We trust our friends at Mpls Area Association of Realtors to give us The Skinny…

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The Skinny from the Mpls Area Association of Realtors

Here’s the latest on the housing market from July 2017

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Get the dirty job clean: How to clean your mattress

HouseLogic is always full of great tips for home owners, seller and buyers. This month we’re going to take a look at their advice for getting the worst jobs done. Maybe you can get a neighbor kid to help before school starts or maybe you can roll up your sleeves and enjoy a job well done. Tip 9…

#9 Sprinkle Your Mattress With Baking Soda
Your mattress needs a springtime refresh, too, but you sure can’t toss it in the washing machine. Cleaning gurus recommend dragging your mattress outside, beating it, and letting the sunshine help freshen it, then dragging it back in. But who has the muscle for that? This is much easier: Use a kitchen strainer to sprinkle baking soda over its surface and let sit for an hour or longer. Longer is better. Then use your vacuum’s upholstery attachment to suck up the odor-absorbing soda.

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Get the dirty job clean: How to clean the range filter

HouseLogic is always full of great tips for home owners, seller and buyers. This month we’re going to take a look at their advice for getting the worst jobs done. Maybe you can get a neighbor kid to help before school starts or maybe you can roll up your sleeves and enjoy a job well done. Tip 8…

#8 Boil Your Range Filter
There’s no need to scrub the grease and grime off your range filters. Use a bit of baking soda and your largest pot instead. Set the water to boil, slowly add 1/2 cup of baking soda, and submerge your filters for about five minutes. (Make sure to dump the water somewhere safe. Grease in the drain is even worse than grimy filters.)

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