Jan Carl
Coldwell Banker Results Realty
Pine City, MN 55063

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How Much Is My Home Worth in Pine City, Minnesota

How Much is your home worth in Pine City, Minnesota?  If you are planning on selling your home, that is a question you need answered.  As your Local Pine City Real Estate Experts, one of our Sales Associates can help you to learn the answer to that question.  They will personally do the research on your behalf and provide you with a detailed Free Market Analysis.  Please feel free to take a few moments to complete the basic information below and they will go straight to work for you.  Or, if you prefer, please feel free to give us a call directly at 320-629-7541.

See: Homes for Sale in Pine City, Minnesota


Have You Ever Considered Purchasing a Home in Pine City, Minnesota

Have you ever considered moving to beautiful Pine City, Minnesota?  Pine City is a desirable community & great location.  Pine City, Minnesota boasts a variety of local landmarks, excellent schools, parks and much much more.  Take a look at some of the most popular searches in Pine City, Minnesota and the surrounding areas.

See: Homes for Sale in Pine City, Minnesota

Not quite the location that you are looking for?  That is okay.  Through our website you can search for the exact home you are looking for in the exact city, county or community you are looking for.  Search for your perfect home, in the perfect location by taking advantage of my Advanced Search tool built directly into this website.

Who we are!

Does your Realtor know your market? Do they know your neighbors? Do they shop where you do? OURS DO!! Our agents are not "just a Realtor". They are local! Pine City, Rock Creek, Rush City, Grasston, Brook Park, Hinckley and North. Our agents are your neighbors! They know your market! 

We shop locally. We go to church here. We buy our groceries here. We fish, farm, and go out to eat here. Our children go to school here. We are members of the Chamber of Commerce. We lead local youth groups. We coach youth sports and sponsor school activities. We donate to scholarship programs for both Pine City High School and Pine Technical College. We support and donate to many local benefits and community events. We sit on the Professional Standards Committee for Realtors. 

Trust is the glue that binds us together as a small town. We value our Community and what it has to offer! We are here to serve you and our Community! Trust us to get the job done!

Find Your Dream Home in Pine City, Minnesota

There are so many different kinds of homes out there for families to choose from.  Do I want to live in Pine City?  Or maybe you want to find a home in Pine City.  How many bedrooms and bathrooms do you need?  Do you need a large back yard?  A small backyard?  Do I even need, or want, a yard at all?  Don’t even get me started on the front yard and curb appeal.  Hardwood floors, tile, carpet.  There are so many things to consider when looking for your dream home.  How, then, do you find the right home for you?

The answer is to put one of our Sales Associates to work for you.  That is what they do for their clients.  Completing our basic Dream Home Finder we can immediately go to work for you.  Of course you can take advantage of our Quick Search and our Advanced Search tools to surf through all the homes for sale in Pine City, Minnesota or the surrounding areas.  By completing the Dream Home Finder, we can use additional resources at our disposal to locate homes for sale that may not be available in the public view.  In addition you are a busy individual and our passion is to work for you to find that dream home and schedule tours for you.  By working together as a team with your dreams and our resources, finding that dream home is only one tour away.  It is our passion to find you that one right tour.

Your Savings and Down Payment

Your First Step Toward Buying a Home

When preparing to buy a home, the first thing many homebuyers do is look at the real estate ads in newspapers, magazines and listings on the Internet. Some potential buyers read how-to articles like this one. The next thing you should do - before you call on an ad, before you talk to a REALTOR®, before you shop for interest rates - is look at your savings.


Because determining how much money you have available for down payment and closing costs affects almost every aspect of buying a home - including how you write your purchase offer, the loan programs you qualify for, and shopping for interest rates.

Mortgage Programs

If you only have enough available for a minimum down payment, your choices of loan program will be limited to only a few types of mortgages. If someone is giving you a gift for all or part of the down payment, your options are also limited. If you have enough for the down payment, but need the lender or seller to cover all or part of your closing costs, this further limits your options. If you borrow all or a portion of the down payment from your 401K or retirement plan, different loan programs have different rules on how you qualify.

Of course, if you have enough for a large down payment, then you have lots of choices.

Your loan choices include such varied programs as conventional fixed rate loans, adjustable rate mortgages, buydowns, VA, FHA, graduated payment mortgages and all the varieties of each.

Shopping for Rates

A very important reason you need to have at least some idea of your down payment is for shopping for interest rates. Some loan programs charge a slightly higher interest rate for minimal down payments. Plus, the interest rates for different loan programs are not the same. For example, conventional, VA, and FHA all offer fixed rate loans. However, the rates vary from one program to another.

If you shop lenders by phone, the loan officer will be able to tell you which programs fit and quote your rates accordingly. However, if you are shopping on the Internet, you have to develop some idea of your loan program on your own.

Writing Your Offer

Another reason you need to have a clue about your down payment is because it affects how you write your offer to purchase a home. Not only are you required to put your down payment information in the offer, but also different loan programs have different rules that also affect how you write your offer. This is especially important when dealing with FHA and VA loans.

If you are asking the seller to pay all or part of your closing costs, you have to be certain your loan program allows what you are asking. For smaller down payments, lenders allow the seller to pay less closing costs than for larger down payments. Some loan programs will allow a seller to pay certain types of costs, but not others.

Finally, your down payment also affects your ability to qualify for a loan. When you make a small down payment, lenders are fairly strict about having you conform to their underwriting guidelines. For larger down payments, they will tend to make allowances or exceptions to the rules.


As you can see, the down payment affects every choice you make when you buy a home. Although you should look at ads, familiarize yourself with neighborhoods, learn about prices, and read as much as you can - when you get ready to take action - the first thing you should do is figure out how much money you have available for the purchase.

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Get directions 885 7th St SW - Pine City, MN 55063
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