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Real Estate Resources:

• Special Offers - Special offers for Lakeville, Apple Valley and Burnsville homeowners from Tom and Cheryl Sommers.

• Affiliates - Tom and Cheryl Sommers' real estate web site affiliates.

• eNewsletter - Tom and Cheryl Sommers'Lakeville, Apple Valley and Burnsville newsletter email will send you the latest real estate information.

• Today's Real Estate News - Daily real estate news for this neighborhood, Minnesota, and United States.

• Market Conditions Report - Market conditions report for this area, Minnesota, and United States.

• Monthly Payments & Schedule - Monthly loan payments java mortgage calculator.

• How Much Can You Afford? - Calculate how much home you can afford with this financial calculator.

• Determine Tax Savings - Calculate how much your monthly Lakeville, Apple Valley and Burnsville, Minnesota mortgage payments save you on your taxes because of loan interest.

• Should You Rent or Buy? - Is it better to rent a home in Minnesota or buy your own Lakeville, Apple Valley and Burnsville house, ranch, luxury property, condominium, acreage, or other real estate?

• Adjustable Rate Mortgages - Adjustable rate Lakeville, Apple Valley and Burnsville mortgages information and interest rate java calculator.

• What Is Your APR? - Determine the Annual Percentage Rate (APR) for your mortgage.

• Fixed or Adjustable Rate Mortgage? - Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM.

• Are Balloon Mortgages For You? - Balloon mortgage calculator. A balloon mortgage can be an excellent option for many home buyers.

• 15 vs. 30 Yr Mortgages - With a 15 year mortgage you will pay significantly less interest, but only if you can afford the higher monthly payment. Use this calculator to compare these two mortgage terms.

• How Much Should Your Income Be? - What income is required to qualify for a mortgage? Use this calculator to find out.

• What's Your Maximum Mortgage? - This calculator will help you determine your maximum monthly housing payment and the resulting mortgage amount.

• Will Buying Points Save You Money? - This calculator helps you determine if you should pay for points, or use the money to increase your down payment.

• TripleCalc - FREE Software Download: TripleCalc lets you compare three loans at one time for your property or other Minnesota real estate.

• Top National Real Estate Web Sites - Real Estate Web Sites that include some unique sources of realty information, listings, and more.

• Ask Anything - Ask Tom and Cheryl Sommers anything real estate.

• NUMBER1EXPERTS™ - List of all the NUMBER1EXPERT™ real estate agents and realty professionals and brokers in the USA and Canada with links to their personal web sites with homes for sale.

• Real Estate Tips - Tom and Cheryl Sommers' realty library of real estate tips and advice on everything from preparing your home for sale to negotiating with home buyers to escrow, closing costs, property inspections, and mortgage brokers.

• Real Estate Trivia - Tom and Cheryl Sommers' collection of real estate trivia questions and answers that include real estate topics such as the most expensive home, largest swimming pool, and more.

• Real Estate Dictionary - Complete real estate dictionary and glossary of realty words you'll use when you list and sell your Lakeville, Apple Valley and Burnsville property in Minnesota, including legal terms definitions, and more.

• Go to Main Sitemap - Main sitemap sections include Find Lakeville, Apple Valley and Burnsville Homes, For Home Buyers, For Home Sellers, Lakeville, Apple Valley and Burnsville Information, Real Estate Resources, and About Tom and Cheryl Sommers.

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"A model of how the Internet can facilitate the process of deciding where to send your children to school" - America's Best School Profiles by The Heritage Foundation Minnesota Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.   Schools in Lakeville, Apple Valley and Burnsville

Real Estate Contracts >Personal Property When you purchase a property, it usually includes the land and everything attached to it, such as buildings, trees, shrubs, etc. Most buyers are only interested in purchasing the real estate, not the owner's personal property. What happens when personal property has become a part of the real estate? Is it actually a "fixture" which will now convey to the buyer with the real estate? There are three tests which usually need to be satisfied. Has the personal property been permanently annexed to the real estate? Is it intended to become part of the real estate? What is the local custom? Fixtures may include shades, heaters, ranges, screens, storm windows, lighting fixtures, etc. To save misunderstanding at the closing--and perhaps the sale--it is important that the seller spell out specifically in the sales agreement what will go to the buyer as part of the property. See All Tips In The "Real Estate Contracts" Category > See Complete Library Of Hundreds Of Tips In 30+ Categories >

Q  Which U.S. hotel has more fountains than any other hotel in the world? A  The Bellagio Hotel in Las Vegas, Nevada has more than 1,000 fountains embellishing an 11+ acre artificial lake. See More Real Estate Trivia >

Tom and Cheryl Sommers Edina Realty 7580 160th Street W. Lakeville, MN. 55044 (952) 994-7204 (952) 997-1854 Fax: (952) 891-7696 Email: tcsommers@NUMBER1EXPERT.com BUSINESS PHILOSOPHY: To treat each client as you would a friend or family member. Maintain a standard of excellence through honesty and integrity. It is our desire to serve you the client with the highest level of customer service possible. FOR SELLERS: We have an average list to sale market time of 23 days. On average we get 99% of the listing price for our clients. This is due to an extremely effective marketing campaign and a high level of skillful negotiation. We sell on average 99% of our listings. Please remember the market determines the value of your home not the agent. Choose your listing agent based on the one who can sell your home in the shortest amount of time for the best possible price with the least amount of inconvenience to you and your family. Your bottom line is the most important number of all. FOR BUYERS: With our complete buyer profile system we will be able to save you time and money. You will not spend your valuable time looking at homes that do not suit your needs. Your time will be spent looking at the best the market has to offer in the areas that you want to live, in your price range with as many amenities that match your criteria. When choosing a buyers agent, base your decision on who will best represent you throughout the transaction. Tom’s Real Estate License# RA-20375139 www.TOMSOMMERS.COM is brought to you by Tom and Cheryl Sommers NUMBER1EXPERT™ in real estate for Lakeville, Apple Valley and Burnsville, Minnesota Read Tom and Cheryl Sommers' Privacy Guarantee, Terms of Service, and Free & Without Obligation Pledge

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