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2 Letter from the Editors In this issue, we will touch on a lot o consumer-oriented subjects regarding the sale and purchase o real estate. As the housing market continues to rebound, real estate agents and their clients still ace issues o nancing, pricing and strategies or showing their homes. In this issue, we will cover details about how a buyer or seller should choose a real estate agent to represent them and what questions should they ask their potential agent to ensure they are both on the same page. We will touch on how a rst-time homebuyer can proactively prepare or acquiring a mortgage to nance their starter home, the type o credit reports needed, what actors aect their credit scores, what steps can they take to repair their credit and i it needs to be repaired. Also, the documents expected to gathered and presented to a loan ofcer. For sellers, we’ll examine home improvements and decide which come closest to paying or themselves, or i any o them do. We’ll also oer sellers a list o repairs they should make beore even considering putting their house up or sale. Finally, we’ll share some proessional staging secrets with sellers that will ensure that they’ll be able to show their properties in the best possible light. We hope you nd this issue as inormative and un to read as we did writing it. Feel ree to contact us i you have questions or would like your riends and amily added to our distribution list. Wayne Miller Phone: 612-999-0003 Email: wmiller@cmgfi.com wmiller.cmgfi.com Sr. Mortgage Consultant NMLS # 345403 Purchase or Refinance Branch NMLS # 1122118 Corporate NMLS # 1820 Ike Larsen Phone: 651-246-5622 Email: larsenike@yahoo.com Realtor
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