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9 Ways to Make Moving Day Easier

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After closing, the real fun begins; moving into your new home! And, it’s all wonderful and exciting until you start to think about how much stuff you have.

To make moving a little easier, check out the infographic below with things you can do before the moving truck arrives.

Make Move-In Easier Infographic

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July 2018 Market Update – Twins Cities Region

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July 2018

Housing price bubble chatter has increased this summer, as market observers attempt to predict the next residential real estate shift. It is too early to predict a change from higher prices and lower inventory, but the common markers that caused the last housing cooldown are present.

Wages are up but not at the same pace as home prices, leading to the kind of affordability concerns that can cause fewer sales at lower prices. At the same time, demand is still outpacing what is available for sale in many markets.

  • New Listings in the Twin Cities region increased 4.1 percent to 7,671.
  • Pending Sales were up 0.4 percent to 5,894.
  • Inventory levels fell 13.5 percent to 11,709 units.
  • Prices continued to gain traction.
  • The Median Sales Price increased 6.6 percent to $268,000.
  • Days on Market was down 17.4 percent to 38 days.
  • Sellers were encouraged as Months Supply of Homes for Sale was down 11.1 percent to 2.4 months.

Consumer spending on home goods and renovations are up, and more people are entering the workforce. Employed people spending money is good for the housing market. Meanwhile, GDP growth was 4.1% in the second quarter, the strongest showing since 2014.

Housing starts are down, but that is more reflective of low supply than anything else. With a growing economy, solid lending practices and the potential for improved inventory from new listing and building activity, market balance is more likely than a bubble.




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Fall Homeowners Checklist

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When the last of summer’s heat is a faint memory, and you’re pulling out your hoodies more than your shorts, it’s time to tackle a few simple chores that’ll make winter more pleasant and prevent some nasty surprises next spring.

Download and print the following checklist to make sure you don’t miss any significant items:

DOWNLOAD FILE HERE: Fall Checklist Download Fall checklist_FCM


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Scam Alert: Spoofed IRS Phone Numbers

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scamalertphoneThe Internal Revenue Service recently issued warnings regarding a new variation on an old phone scam: Criminals can spoof telephone numbers belonging to IRS Taxpayer Assistance Centers (TACs) to dupe taxpayers into paying fake tax bills.

In this version of the phone scam, criminals program computers to display TAC telephone numbers, which then appear on consumers’ caller IDs when the criminals call. When consumers question the illegitimate demand, they are directed to to look up the local TAC office telephone number to verify it. Scammers hang up, call back a short time later and demand immediate payment.

According to the IRS, tax scams are common all year long, so it’s crucial to be aware of the following:

The IRS will mail you a bill if you owe any taxes. The IRS does not contact taxpayers by telephone to notify them of overdue taxes.

The IRS will not ask for debit or credit card numbers over the phone or demand specific payment methods to pay taxes that are owed (e.g., prepaid debit cards, gift cards or wire transfers).

The IRS will never threaten to bring in local police, immigration officers or other law enforcement nor can the agency revoke anyone’s driver’s license, business license or immigration status.

If you receive a scam phone call, report it to the Treasury Inspector General for Tax Administration at the IRS Impersonation Scam Reporting site or email with the subject line “IRS Phone Scam.”

Source: IRS

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15 Years of First Class Mortgage

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To our customers, friends, and family in the Fargo-Moorhead areas, please join us as we celebrate 15 years of First Class Mortgage!

Tuesday, Aug. 14 — 4:30-7:30 pm in the First Class Mortgage Parking Lot (Directions)

The evening includes fun for the whole family including food to purchase from several local food trucks, prize drawings, FREE inflatable games and face painting!


For official 15th Anniversary Press Release, CLICK HERE

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