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High Quality of Life

This reputation holds up to scrutiny by almost any measurement you choose. Minnesota was ranked by Morgan Quitno’s 2007 report as the second most livable state in the union. Who ranked last? Mississippi, of course! Are we going to tell you who ranked first? No way! Why? Because we want you to buy a home in Minnesota. Besides, we are healthier, safer, economically stronger, and more socially involved than folks from just about any other part of the country. Here’s why we think so:

• Minnesota has one of the lowest poverty rates in the country. Minnesota’s median is higher than the United States median in 2003. Median income household income was reported at $62,530 in 2005. The regional economic powerhouse called the Twin Cities plays its part in all of this. According to last year’s report from the Minneapolis Area Association of REALTORS states that “robust population growth, regional economic health, and quality housing stock paints a picture of the Twin Cities remaining to be a great place to buy and sell residential real estate.”
• In 2004, Minnesota’s violent crime rate was only 27 per 10,000, compared to the nationwide average of 47, per 10,000. Perhaps that is because our neighborhoods have a close sense of community. A report by Volunteering in America: 2007 Trends and Rankings placed the Twin Cities at the highest level of volunteering activity. Purchase almost any home in Minnesota, and you will be buying into a neighborhood where people will know who you are. They will also be there if you need them – even in a big city like Minneapolis! The phenomenal community response to the 35W bridge tragedy proves this point well.
• The average ACT score for Minnesota leads the nation at 22.3 out of 36 possible. Minnesota has the highest number of citizens who have a high school diploma. The state supports 32 colleges in the MNSCU system. The quality of education here is one of the most popular reasons for making your home in Minnesota.

Did we forget to mention all of those lakes? Even if you don’t buy a Minnesota lake home, you will probably be just a stone’s throw from a body of water. We have over 11,000 of them that are at least 10 acres or more. Owning Minnesota lakeshore real estate means that you won’t even have to leave the state for your vacation times. You won’t want to, either.

Examining the Minnesota Real Estate Market

According to a 2007 2nd quarter report, the Minnesota Association of REALTORS says that “Strong economic conditions, historically low interest rates and affordable prices help keep housing values strong in Minnesota.”

But what about all of those homes on the market? Right now, the Northstar Regional Minnesota MLS alone shows over 42,000 single family homes for sale, including single family homes, townhomes, condos, lakeshore, and executive homes. That seems like a lot. And what are we to make of the negative, sensationalized reports that hear about from the national media? Is the sky really falling? Let’s break the report’s facts down so we can really see the big picture:

• Affordability remains a prominent factor in the Minnesota real estate market. According to the latest HUD estimates based on family income, the average family makes an income that is 36.4% larger than what is required to afford mortgage payments on a typical Minnesota house. That’s cold comfort to those who are having mortgage trouble right now, but it certainly is a positive note for the housing market overall.
• The economy is showing a healthy rate of 3.2% growth. (based on annualized growth in GDP annualized from 3.2% from the second quarter of 2007 through the rest of the year.)
• The sale price to listing price ratio stands at 98.4%. This is not much less than it was during the hot markets of 2002-2005.
• Average sale prices actually dropped only 0.8% from Q2 2006 to Q2 2007. (Keep in mind that home prices grew five times faster than inflation in the period between the start of 1998 through the end of 2003. The slight drop of 0.8% in home prices is not a hard fall-back.) Sales volume only decreased 3.25% during this time.
• The state’s unemployment rate of 3.8% is relatively steady, indicating a stable economy.

The market has certainly moved toward a buyer’s market, but if you take a look at the hard numbers, you have a more realistic picture of the Minnesota real estate market. No one has a crystal ball, but the future does not look so bad either. REO homes are starting to move, and there are a lot of potential buyers out there who are sitting on the fence, waiting for something to happen. They will jump off as inventory starts to deplete.

Since 1950, home prices in the Twin Cities gained an average of 5% per year. In our state, you are still better off holding title to a house than a stock certificate. Real estate will always be the best investment you can make. Real estate still remains one of the most promising and exciting career choices ever.

Independent Brokers Realty is a Real Estate Agency for Minnesotans.

Our company is the largest, oldest, family owned real estate company in the state. For good reasons. Minnesotans have always been wary of large national and multi-national franchises that make corporate decisions that favor the company, but are not necessarily in the best interests of either individual company team members or its clients. That is just simply not “Minnesota nice!” Independent Brokers Realty makes decisions that are based on integrity, generosity, and what is best for both its clients and its agency. Independent Brokers Realty thinks more in terms of family spirit than corporate structure or policy.

If you are a home buyer or home seller, you will find that our agents have the flexibility to place your needs above corporate structure. Our agents are encouraged to make their own decisions, while ensuring the highest level of integrity and professional service.

If you are a real estate agent that has an independent spirit and the famous Minnesota work ethic, who wants to succeed, and wants to keep more of your commissions, join us! Just like true Minnesotans, we will be there to help you! Our training and support systems are second to none.

Give Kevin Sharkey a call at 952-949-0263 to chat about services and financial incentives. There will be no pressure whatsoever, and all discussions will be strictly confidential.

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His mother served the Saint Cloud Minnesota area for over 30 years. In fact, his first involvement with Minnesota real estate came when he was hardly “dry behind the ears!” At the tender age of twelve, John was already helping his mom out by cleaning, painting, and mowing the yards of her real estate listings. John was an astute boy and a quick-study; he realized that homes sold faster if they were clean and freshly painted! Too bad all of Mom’s sellers couldn’t figure that out! Today, we sometimes hear sellers cop-out by saying things like “The buyers might not like the colors we pick. They are just going to want to do their own painting, anyway.” When John hears things like that, he has all he can do to keep from rolling his eyes around in his head.

So, just why did John Kelly become a Saint Paul real estate agent? This question is debated hotly in our office. Was it “nature or nurture?” The “nurture” adherents think that his exposure to listening to his mom talking real estate on the phone during his formative years was a big factor. Also, environmental influences, (i.e. fixing up listings) were important. The “nature” proponents don’t buy into this argument; they note that John discovered a relationship between property condition and market time before he was an adult. This sort of ability could only be attributed to a congenital predisposition.

One thing is clear; John shows a natural talent for working with people and making real estate transactions happen! However, a self-starter like John could not go to work for just any real estate broker. John Kelly came on board with Independent Brokers Realty because it afforded him the freedom to make his own decisions and formulate his own plans. IBR Realty encourages agents to do what is best for the client instead of the company. This squared well with the service philosophy that his mom passed on to him. When John Kelly joined IBR, he felt like he was just “putting on an old shoe.” The company gives him the flexibility to do whatever he has to do to get the job done.

John graduated from Saint Cloud Apollo High School in 1979, and from Saint Olaf College in 1983. After spending a few years living in the Cherokee Park neighborhood of Saint Paul, he moved to Rosemount he resides with his wife and three children. Before marrying Linda, the couple underwent genetic counseling to determine if their children would be good real estate agents.

John has served as a Saint Paul real estate agent for the last twenty years, and knows this market well. If you are thinking of buying or selling property in this area, give him a call at (651) 238-5649. Take advantage of his good heredity and many years of experience.

• Browse all Saint Paul real estate listings.

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Much of this blog-commenting behavior is aimed at creating backlinks that will supposedly boost search engine rankings. Although this is conventional wisdom and practice, most blog comment links are “nofollow,” meaning that Google does not even detect them.

This is where Sherri Anderson enters the picture. Sherri doesn’t give a hoot about backlinks, or the blogging community. She doesn’t know much about computers beyond using them to serve clients. After all, she is a professional REALTOR, not a programmer! This Inver Grove Heights real estate agent probably wouldn’t know a ping or a trackback if it knocked on her door! Sherri is not interested in becoming a geek or an internet social butterfly. Sherri Anderson is interested in using her blog to promote her listings!

Surprisingly, it does not take much technical expertise to do this, so Sherri can better spend her time focusing on clients and the dynamics of the real estate market. Does she want to spend a lot of time figuring out computer stuff? No. Does she sell real estate? You bet! Reliable, red-carpet customer service trumps computer tinkering any day. It is this service ethic that has brought this no-nonsense IBR agent her success.

Most of the blog snobs don’t approve of this practice; they think that posting real estate listings on blogs is tacky, blatant self-promotion, and is not something that other bloggers would want to read. So what? Real estate listings are relevant, geographically focused, on-topic subjects. Search engines love blogs, and Google especially loves Wordpress blogs. A post can index very quickly, and frequently a listing will rank on the first page of search engine results within hours of posting! Sherri believes ALL of her marketing tools should be used to promote her seller’s properties, and if they don’t do that, what good are they? Besides, most buyers find their properties and real estate agents on the internet? Why would you not want to put your listings out there on the net?

Of course, Sherri will be including other things on her blog, but they will be directly related to real estate. The posts will be used to provide updated information on Inver Grove Heights real estate, and real estate in general. If the blog stimulates questions and conversation from people who are actually interested in real estate, that would be even better. In fact, she won’t even get upset if you visit her blog and just want to chat a little bit or drift a little bit off-topic!

Sherri’s site is only a few hours old at the time of this post. However, she has already posted three of her listings, and there are a few more listings on the way. Check out her new Inver Grove Heights real estate page, and check back from time to time to see how her website is evolving. Maybe she is not a blogaholic, but that doesn’t mean that she is antisocial!

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Real estate trends are no exception. But Nate Berg has a market perspective that has been honed by a wide range of professional experiences, including residential sales and mortgage origination. You might want to take Nate’s prognostications seriously. The smart money is on Nate Berg.

While the media continues to broadcast funeral dirges for the housing market and the real estate industry in general, Nate hears a different tune. Nate sees an end to the rough patch of foreclosures and short sales. The newspapers offer a dark picture for the future; Nate sees a light at the end of the tunnel. Am I over-using metaphors while discussing this Brooklyn Park MN real estate agent? Perhaps. Unfortunately, I cannot resist the temptation to use just one more: Nate has formulated his opinions while working “in the trenches’ with buyers, sellers, and borrowers. He has worked with plenty of short-sales and clients facing foreclosure. He knows what he is talking about.

Nate believes the market dip has hit rock-bottom. Why? Nate has been doing dozens of Broker Price Opinions (BPO’s) and assisting sellers in pre-foreclosure and short-sale situations. Recently, he noted that the number of Broker Price Opinion orders he receives every week has been dropping. The build-up of short-sale and foreclosure inventory is slowing down. More importantly, he has noted that the price values rendered by the BPO’s have not continued to fall. Prices have stabilized. Also, Fannie Mae and Freddie Mac have dropped the “declining markets” clause. As a mortgage professional, Nate believes that this will have a significant an positive impact on real estate market activity and prices.

Nate has foreseen other industry trends in the past. Several years ago, well before we were talking about things like “carbon footprint” or astronomical energy costs, Nate was busy selling plenty of ICF homes in the Minneapolis area. ICF, or Insulated Concrete Forms homes offer an extremely energy-efficient option for new home construction while adding only 5% to building costs. They also are more fire resistant, and are not conducive to mold growth. Today, ICF is the buzzword for the “green” home building industry, and ICF homes arfe even becoming quite popular with Minnesota luxury home buyers. Nate invested in an ICF home for himself.

In addition to experience with new home construction and home financing, Nate has years of experience with land development and residential sales in Brooklyn Park, Maple Grove, Champlin, and surrounding metro communities. He has been an agent with Independent Brokers Realty for the past five years. Nate joined Independent Brokers because the company lacks top-heavy corporate structure, and allows agents the freedom to pursue their own career goals and business innovations.

For expert advice from a Brooklyn Park MN real estate agent, give Nate Berg a call at (763) 682 6610 or visit him online at http://nateberg.com

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Pat Schleeter and Tim Arntzen are two Anoka County real estate agents who have proven that the conventional wisdom about mixing family and business “ain’t necessarily so,” as Cab Calloway used to sing. This dynamic partnership is actually involves an “in-law” partnership. Tim is married to Pat’s daughter.

If you are selling Anoka County real estate, you benefit from two seasoned agents with two different skill-sets and a cross-generational team that can relate to potential buyers of all ages. Also, there are two separate referral bases and spheres of influence, so the chance that they will have a ready-made prospect has doubled. If you are selling an Anoka county home, there is a strong possibility that Pat or Tim already know someone who would make a great buyer for your home. If you are looking for a home, there is a good likelihood that they know a prospective seller who has an ideal property for you. It’s a “two-for-one” value, meaning you get double exposure, guaranteed backup coverage, and a wider perspective of Anoka County real estate market dynamics. If “two heads are better than one,” why not get two veteran real estate agents for the price of one?

Another value-added benefit of this arrangement is the advantage of thirty years of combined real estate experience in Anoka County. Both have been working with Independent Brokers Realty since the early 1990’s. If you have been in the business for this long, you have probably encountered every type of buyer, every type of real estate transaction, and every type of challenge. Between the two of them, they certainly have seen everything. Benefit from the knowledge and experience of two separate agents.

How do they manage to keep family affairs from interfering with business? How do they keep business concerns from disturbing family relations? What’s the secret?

There is no secret. According to Tim, they do talk about Anoka County real estate quite a bit during family functions, but the just seem to naturally know where to draw the line.

Come to think of it, there are plenty of successful family businesses. Kevin and Linda Sharkey are able to successfully manage Independent Brokers Realty,even though they are married. The Rockefeller/Standard Oil company was a family run business, and they dominated that market for generations. Then, of course, there is the Forbes business dynasty, the Kennedy and Bush political dynasties, and Hugh Hefner’s successful Playboy empire, which owes much to the business talents of his daughter.

Perhaps some of these family-operated entities have had some difficulties or challenging dynamics. These are more prevalent where the individual members are unprincipled or dishonest. In any business, if you lose core values like honesty, life becomes complicated very quickly, and ALL relationships become compromised. After that, you will not be selling many Minnesota homes. Because Tim and Pat base their business philosophy on honesty, integrity, and generosity, the family relationships and business relationships can remain simple, transparent, and positive.

If you would like to learn more about Pat and Tim, be sure to visit their Anoka County real estate website.

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After practicing real estate for about a century, his real estate cohorts (all much younger of course) quip that he “forgot more than most of us will ever know!” It doesn’t matter. Roger is constantly re-charging his memory banks with new information. For example, he just launched a new-fangled real estate website just like the younger whipper-snappers have, only his will be better. He even has learned a little bit of code so he can make some essential tweaks to it. Over the next century, this quick-study Eden Prairie MN real estate agent intends to use it to dominate the local real estate scene for generations to come. First Eden Prairie…then the world!

Seriously though, Roger is not really interesting in dominating anything. He is just interested in having one more tool to keep in touch with clients and to increase market exposure for his home selling clients. The site is one more way to find potential buyers. Good service has been the key to Roger’s many many decades of success, which is demonstrated by the fact that is business is mostly referral-driven. Even without the website, good word-of-mouth travels around Eden Prairie, and will keep him plenty busy. If he can elude the dreaded silver stake, he should be selling real estate for at least another one hundred years.

We know that Roger Briest has the mental toughness to survive the rough-and-tumble world of real estate; he taught school for nine years! After nine years of combat experience while teaching kids, real estate is a “cakewalk.” However, the teaching background has paid off by giving him a remarkable ability to assess client needs, and to thoroughly explain or simplify all aspects of any kind of real estate transaction. Undoubtedly, his teaching skills have earned him the loyalty of repeat clients.

Roger is not interested in market domination or world conquest. Neither is he interested in being the number one sales producer in Eden Prairie. He is only interested in being the best agent that his clients could possibly have. In the minds of his clients and colleagues, he has already earned that distinction.

For the best real estate service ever, call Roger at 612-716-9902.

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As an established Lincoln Lakes MN real estate agent, she can also tell you all about what is happening in the community. So when she built her real estate website, she included a blog function so everyone could keep up with what is going on the community. Tina is the kind of person who knows when ice-out comes, and when the next big fishing tournament will come to the area.

As an interesting twist, Mrs. Kalis is using her website to elicit news from everyone in her community who is willing to contribute to the blog. If your civic organization, church group, Kiwanis or Lions Club has an upcoming event, you can visit her blog at http://mybrainerdlakehomes.net and submit your information. Charities, lake associations, sports clubs, and everyone can contribute. Tina can post your news on her blog and give your group some added publicity.

It’s a great way to create some buzz about local developments and to help everyone keep in touch. It’s also a great way to network with potential buyers and sellers.

Tina’s blog is brand new, and was released on 4/16/08. Good luck, Tina!

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The eastern metro area presented a special challenge for IBR. Frequently, Minnesota home buyers who are shopping in this area are also browsing for properties in Wisconsin. The result was a loss of continuity in service when buyers sought help from two different REALTORS; buyers would be working with a Wisconsin-licensed REALTOR and a Realtor licensed to practice in Minnesota. This fragmented service meant that both REALTORS would essentially be competing for the same client by promoting his/her state’s housing market as the better one.

The buyers needed a single agent who could help them gain perspective by showing them properties in both Minnesota and Wisconsin market. Also, differences between Wisconsin and Minnesota real estate laws, forms, and practices could become confusing without someone who could help them keep it all straight. Moreover, a REALTOR licensed to practice in both states could help them examine both real estate markets in a way that would allow them to compare “apples to apples.” The perspective of such a REALTOR would insure that their best interests were served. The REALTOR would have no incentive to favor one area over another. Clients would then get the help they needed to find the most suitable home in the area that would be best for them.

In addition, there were buyers who would be buying a home in one state and selling in the other.Those clients would end up working with two agents instead of one. Why not have an experienced agent who could help them in both states? The obvious benefits would be more consistent service and fewer communication problems.

Enter Paul C. Carlson, of Woodbury MN. After earning his Minnesota license, he decided to pick up a Wisconsin license as well. Although license requirements are more rigorous in Wisconsin, Paul just figured it would just make him a better agent, and it would give his interstate clients a huge advantage. He could give clients an objective view of market conditions on either side of the border. His new territory would now stretch from Woodbury MN and the Twin Cities all the way to Wisconsin communities like Balsam and New Richmond.

Paul’s first experiences came as a salaried loan officer. The position did offer some perks. He did not have to prospect for leads, cold-call, or create competitive marketing strategies. Clients were simply assigned directly to him by the company. However, this was actually a problem for Paul. You see, Paul is the kind of guy who likes to push and pull and make things go. He did not want his office environment to limit horizons. Paul always believed that he was responsible for his own success. He needed a career to match that belief.

As a loan officer, Paul observed differences in low production REALTORS and high-production ones. He saw that real estate was a place where more effort and hard work meant more income and business growth. This was just the career change he was looking for. After working as a buyer’s representative for a national franchise for two year, he made the switch to IBR Realty. Why did he switch? For Paul, this was a “no-brainer.” Paul was simply tired of working for a broker that took a large chunk of his commissions for little return.

If you are looking for a hard-working Woodbury MN REALTOR who know both sides of the river, give Paul C. Carlson a call (651) 260-6284.

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Kim came on board with IBR Realty about three and a half years ago. Why did she make the switch? As Kim puts it, “I wanted a company that believed the broker works for the agent, and not the other way around.” As the largest family-owned real estate company, IBR is known for putting the client’s needs above corporate policy or interest. It also recognizes that individual agent success is the key to company success. IBR’s policy of “make more, get more, and keep more,” is based on a management philosophy that makes agent success its paramount concern. The company knows that REALTORS are essentially small business owners who are looking for value in a real estate brokerage. They are looking for advanced training, company name recognition, and technical support. Realtors are not looking for a company that wants to micro-manage them.

Kim’s real estate business provides an outlet for her two passions: interior design and architecture. Kim studied art in college and became keenly interested in the aesthetics of residential real estate. She discovered that she has an eye for what makes a home look good and what makes it sell. The logical career choice for her was real estate, with home staging as an adjunct to her business. Kim knows how elements of interior design can be used to complement the architectural design of a home. She also knows how to use these elements to make the home sell faster, and at top dollar.

Many stagers and interior designers know how create a home in environment that makes the house livable. However, staging for livability and staging for selling a home are two different skill sets. As a seasoned real estate agent, she has plenty of experience observing buyers and their response to interior design and staging. She knows what is needed to help sellers fall in love with your property. Her sales production in a very competitive buyers market attests to her skills. As a long term resident of Carver County MN, Kim knows all of the local architectural styles and design trends. She knows which ones work together, and which ones don’t.

As a guy who used to hang shower curtains over his windows, and who always looks like he got dressed in the dark, I can certainly use help from a professional like Kim. I asked her for a couple of quick tips on preparing a home for sale:

“De-clutter, de-clutter, de-clutter,” says Kim. “Also family photos and personal memorabilia should be removed to de-personalize the home. The buyers should be able to envision the home as being their own. Kim also advocates using the proper color of paint to make the home warm and inviting. Neutral earth tones in a “warm” color palette help to achieve this effect.

Of course, every home and every room is different, so there is no one-size-fits-all approach. Kim can use her training and talents to analyze your home and help you explore nuanced uses of neutral tones, accent colors, and props.

Kim offers her staging services under her own business called Design Alchemy. Home sellers and REALTORS alike can benefit from a consultation with her. If you are looking for a Carver County MN real estate agent who knows what it takes to get your home sold, give her a call at (612) 382-0121.

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Bob began his real estate career in 1989 after selling a refrigeration and air conditioning business. He climbed on board with Independent Brokers Realty in 1991 after he earned his broker’s license. IBR afforded Bob the flexibility to negotiate fees with clients and place their needs above the dictates of corporate policy.

When you talk about real estate with Bob, terms like “fun business” and “enjoy people” pop up. His buoyant spirit and affable demeanor infect his clients, and cements a loyal, lasting bond. Almost all of Bob’s clients are referrals or repeat customers. Recently, he put together a transaction for a family that had already completed a dozen real estate sales with him in the past. If you combine a large number of satisfied customers with good word-of-mouth, good post-sale follow-up service, and thoughtful habits like remembering client birthdays, you have the kind of successful business model that Bob has created. After many years in the business, he reaps the benefits of a dynamic, growing, referral database. Bob doesn’t have to promote his services; his past clients do it all for him. He still gets calls and referrals from folks he helped out as far back as fifteen years ago. Having lived in Richfield since 1966, he has a strong sphere of influence within his neighborhood as well.

What kind of advice does Bob offer to young real estate agents who are just starting out? “Get your CRS!” he says. The CRS designation has been an invaluable source of referrals from other agents across the country. He gets buyers from California, Wisconsin, Massachusetts, and all over the country. The CRS designation is widely recognized as a symbol of professional competency. According to Bob, the CRS training is “top-notch.” The fact that you can take classes in Hawaii and get a tax write-off for the trip is not all bad either!

If you want seasoned, professional expertise and red carpet service, give Bob a call at (612) 869 7379. Even if you aren’t ready to make a move yet, Bob would enjoy talking to you!

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