Bryan Sowieja http://www.my-own-loan.com Bryan Sowieja, When it's time to buy or refi, Call Bry. Thu, 14 Jun 2007 06:57:51 +0000 http://wordpress.org/?v=2.0.4 en General Prognosis http://www.my-own-loan.com/2007/03/22/general-prognosis/ http://www.my-own-loan.com/2007/03/22/general-prognosis/#comments Thu, 22 Mar 2007 16:19:17 +0000 bsowieja Web http://www.my-own-loan.com/2007/03/22/general-prognosis/ markting-shot.jpg

Wow! Check his out!

“2006 was the third strongest year on record for existing-home sales and it looks lie we’re moving beyond the low for the housing cycle last fall, and buyers are responding to historically low interest rates and competitive pricing by home sellers. In addition, a tightening inventory of homes on the market is supporting prices.” [David Lereah, chief economist, National Association of Realtors (R)]

]]> http://www.my-own-loan.com/2007/03/22/general-prognosis/feed/ R-E-S-P-E-C-T Respect http://www.my-own-loan.com/2007/02/06/r-e-s-p-e-c-t-respect/ http://www.my-own-loan.com/2007/02/06/r-e-s-p-e-c-t-respect/#comments Tue, 06 Feb 2007 23:44:29 +0000 bsowieja Web http://www.my-own-loan.com/2007/02/06/r-e-s-p-e-c-t-respect/ Yes, it’s cold outside, but it’s warm in all the homes for sale. An interesting concept for Twin Cities home owners…respect your home, respect your yard, respect your neighbors. The article below is from the city of Saint Paul’s website. What Property Owner’s should know Enjoy!

What are the general requirements and regulations a property owner needs to know?
These items are summarized from City law:

  • All exterior property areas must be maintained free of any accumulation of garbage, rubbish, junk and refuse.
  • All exterior property areas must be maintained free of any accumulation of animal droppings and of any foul, offensive or obnoxious odors generated from the keeping of animals.
  • It is unlawful to accumulate or store: junk, metal, wood, fabricated goods, building materials, containers or other items in a manner that creates a nuisance or rodent harborage. Generally, the zoning laws prohibit exterior storage of business related materials in residential areas.
  • Every occupied building shall be supplied with approved rubbish containers which are of sufficient quantity and capacity to properly store all garbage and rubbish. Garbage and rubbish must be collected weekly by a licensed refuse hauler. In rental buildings it is the responsibility of the owner to provide the containers and the responsibility of the tenants to use them properly. Storage of refuse in plastic bags is not allowed. Outside storage of recyclable materials is not allowed.
  • Firewood cannot be stored closer than ten (10) feet to a residence, cannot exceed five (5) feet in height and shall not be allowed to become a nuisance or rodent harborage. Firewood should not be stored in contact with the soil.
  • Grass and weeds must be kept cut shorter than eight (8) inches.
  • Bushes, trees and shrubs cannot obstruct the public sidewalk or alleys.
  • Overgrown, uncontrolled vegetation, shrubs, trees, vines that are conducive to the accumulation of refuse, debris or vermin is not allowed.
  • House numbers which are at least three (3) inches in height and which are reflectorized or illuminated are required to be clearly visible front and rear, from the street or alley.
  • All garages, sheds and other buildings are required to be kept secure from unauthorized entry.
]]> http://www.my-own-loan.com/2007/02/06/r-e-s-p-e-c-t-respect/feed/ A Home Buyer’s Market http://www.my-own-loan.com/2007/01/30/a-home-buyers-market/ http://www.my-own-loan.com/2007/01/30/a-home-buyers-market/#comments Tue, 30 Jan 2007 16:18:38 +0000 bsowieja Web http://www.my-own-loan.com/2007/01/30/a-home-buyers-market/ markting-shot.jpg The below article was published in the St. Paul Pioneer Press on Sunday January 28th, 2007.

It’s a pretty good time to be shopping for a house in the Twin Cities.

Median selling prices in 2007 are expected to increase by only about 1 percent or so in the 13-county area.

In 2006, median prices were at a virtual standstill as buyers regained control of the market. That was thanks to a 16 percent decline in sales at a time when the supply of houses on the market spiked.

Median prices in 2006 were up about 0.5 percent over the previous year in the Twin Cities. That compares with increases ranging from 6 percent to nearly 12 percent in the first half of the decade.

]]> http://www.my-own-loan.com/2007/01/30/a-home-buyers-market/feed/ Mortgage Pre-Approval http://www.my-own-loan.com/2007/01/23/26/ http://www.my-own-loan.com/2007/01/23/26/#comments Tue, 23 Jan 2007 20:31:51 +0000 bsowieja Web http://www.my-own-loan.com/2007/01/23/26/ markting-shot.jpg

Mortgage Pre-Approval is a BIG deal, APPROVAL, is a bigger deal. Many loan officers will hand out preapproval letters, that essentially mean nothing. Their goal is the old “bait and switch”. Which is definately not in your best interest.

The Approval Letters I give to my clients are written with Integrity. They are worth their weight in solid gold. I actually negotiate with some lenders on your behalf before we meet. This will allows you to jump on the home of your dreams as soon as you find it.

From the lender I will get a commitment stating that they will loan you the money you need. AND I make sure to obtain the needed terms to get you a loan. I leave Nothing about your chance at home ownership to chance. With needed completion of the appraisal, titlework, and verification of what you tell me, the lenders are committed to getting you the money, and they give me their terms for lending the money to you.

I will actually bring you a lender Approval, not a preapproval. There is a difference. If you had a loan officer that could get you an approval, why would you waste your time with a preapproval?

]]> http://www.my-own-loan.com/2007/01/23/26/feed/ The Wheels on the bus go round and round… http://www.my-own-loan.com/2007/01/18/the-wheels-on-the-bus-go-round-and-round/ http://www.my-own-loan.com/2007/01/18/the-wheels-on-the-bus-go-round-and-round/#comments Thu, 18 Jan 2007 21:42:44 +0000 bsowieja Web http://www.my-own-loan.com/2007/01/18/the-wheels-on-the-bus-go-round-and-round/ markting-shot.jpg

Wow! My phone has been ringing off the hook this week. It seems that our unusually warm winter is keeping home buyers in the hunt instead of watching football on TV.

It’s great to see the pulse of the Real Estate Market is still pumping strong in the Twin Cities. Contrary to what is published in the the newspaper or broadcasted on TV, the sky is not falling. We will live to see another day.

This is a great time of year to find a seller who wants to wheel: If Mr. Seller has had their home on the market all winter long, they are likely sick of draining their savings account as they make double payments.

Wouldn’t it feel good to relieve that financial pressure? You bet it would! That’s where you come in. Go out there, find the home of your dreams, and wheel! You are the answer the seller has been looking for. You are the answer to their financial woes. Good Luck!

]]> http://www.my-own-loan.com/2007/01/18/the-wheels-on-the-bus-go-round-and-round/feed/ It’s the Economy Stupid http://www.my-own-loan.com/2007/01/09/its-the-economy-stupid/ http://www.my-own-loan.com/2007/01/09/its-the-economy-stupid/#comments Tue, 09 Jan 2007 19:21:02 +0000 bsowieja Web http://www.my-own-loan.com/2007/01/09/its-the-economy-stupid/ As a general rule, weaker than expected economic data is good for rates, while positive data causes rates to rise. But what does it all mean Basil?

Two examples of economic indicators which affect home interest rates would be The Job Report, which contains data on the number of jobs created or lost. It also contains data displaying the change in average hourly earnings of our economy’s workers. The second report would by The Retail Sales analysis.

This indicator tells us if we, as Americans, are spending our hard earned dollar. A strong job report means that Jobs had been created and the American Worker is making more money at his or her job.

At the same time, if the Retail Sales Analysis discovered that American are spending the dollars they earn, then it would be considered “Good” economic news. If that were the case and all other factors remained constant, Home Loan rates would increase. The increase would be needed to prevent inflation and slow the flurry of activity in the market.

Conversely, a weak Job Report and Retail Sales Analysis would show that No jobs had been created, or even worse some jobs were eliminated. At the same time if Americans were not spending the money they did earn, again all other factors remaining constant, the economy would need to stimulation.

Stimulation would come in the form of lower home interest rates. Low rates would mean you have more money in your pocket to spend and lower our overall cost of living and doing business would be lower.

If Companies have more money to spend, then they can hire more people which results in Jobs Being Created. If jobs are being created, people are happy, and happy people spend money in our economy. It’s a Vicious Cycle really.

]]> http://www.my-own-loan.com/2007/01/09/its-the-economy-stupid/feed/ Good Morning 2007 http://www.my-own-loan.com/2007/01/02/good-morning-2007/ http://www.my-own-loan.com/2007/01/02/good-morning-2007/#comments Tue, 02 Jan 2007 16:56:34 +0000 bsowieja Web http://www.my-own-loan.com/2007/01/02/good-morning-2007/ Here we are. If you had your ear to the Twin Cities Real Estate Market in 2006 you most likely learned about dooms day scenerio’s: Houses aren’t selling with the gusto of 2003-2005, Home Values were Rolling Back, Increased Foreclosure rates, etc.

But let’s look at what the market really was: 2006 was the 3rd best year in the history of Real Estate recorded since 1941. 2006, nationwide, also produced the 3rd most number of annual home transactions.

So, what do we have in 2007? We have among the lowest interest rates our country has ever seen. Rates are phenomenal! Did you know that in November 2006 we saw the lowest rates since October 2005? In fact, we are on the cusp, of seeing the lowest rates in 30 years…but that doesn’t sell news papers. RATES ARE STILL LOW.

Where is the Twin Cities Real Estate Market right now, the first quarter of 2007? Well, for every 11 homes on the market, there is one buyer. What am I saying? If you are looking to buy a home right now in the Twin Cities, you can look at 11 homes, make an aggressive offer, and have it accepted on your terms, not the sellers! Best of all, statistically speaking, you won’t have any competition.

Wrapping up. This is the best time, historically, to buy a home in the Twin Cities. Historically Rates are of the lowest our country has seen. Home Values have backed off allowing you to get more home for less $$. Best of all, there is minimal competition from other buyers, you get the home you want on your terms. All this being said. If you want to buy a home in the 1st quarter of 2007, give me a call on my cell phone: 612-518-5774. I’ll get you Pre-Approved for a mortgage, freeing you to find a house that you would love to call home.

]]> http://www.my-own-loan.com/2007/01/02/good-morning-2007/feed/ Nowhere else in the marketplace could I find a better combination of Integrity, Price, and Service. http://www.my-own-loan.com/2006/12/02/nowhere-else-in-the-marketplace-could-i-find-a-better-combination-of-integrity-price-and-service/ http://www.my-own-loan.com/2006/12/02/nowhere-else-in-the-marketplace-could-i-find-a-better-combination-of-integrity-price-and-service/#comments Sat, 02 Dec 2006 18:39:02 +0000 bsowieja Testimonials http://www.my-own-loan.com/2006/12/02/nowhere-else-in-the-marketplace-could-i-find-a-better-combination-of-integrity-price-and-service/ As a First Time Home Buyer, I am very happy with the professionalism offered by Bryan Sowieja and Mortgage and Investment Consultants.? Nowhere else in the marketplace could I find a better combination of Integrity, Price, and Service.? As a first time home buyer, I found it essential to hire a company and Mortgage Professional that have these qualities and I can confidently say that Bryan Sowieja has definitely raised the bar and has positively set himself apart from others.? I would gladly recommend him to my friends, family, and best client.

Sincerely,
Chad C.
Sales Manager

]]> http://www.my-own-loan.com/2006/12/02/nowhere-else-in-the-marketplace-could-i-find-a-better-combination-of-integrity-price-and-service/feed/ It is refreshing to work with such a professional and informative loan officer http://www.my-own-loan.com/2006/11/12/it-is-refreshing-to-work-with-such-a-professional-and-informative-loan-officer/ http://www.my-own-loan.com/2006/11/12/it-is-refreshing-to-work-with-such-a-professional-and-informative-loan-officer/#comments Sun, 12 Nov 2006 23:44:24 +0000 drew.geraets Testimonials http://www.my-own-loan.com/2006/11/12/it-is-refreshing-to-work-with-such-a-professional-and-informative-loan-officer/ I was the listing agent on the sale that Bryan Sowieja was involved with. I was very impressed with how proactive he was in keeping me informed.

I received calls throughout the loan process updating me on the appraisal and then the final underwriting approval.? The sale closed on time without any hitches. It is refreshing to work with such a professional and informative loan officer.

Kyle & Christine David
Realtors

]]> http://www.my-own-loan.com/2006/11/12/it-is-refreshing-to-work-with-such-a-professional-and-informative-loan-officer/feed/ Bryan was professional, helpful, diligent, courteous and extremely friendly http://www.my-own-loan.com/2006/11/12/bryan-was-professional-helpful-diligent-courteous-and-extremely-friendly/ http://www.my-own-loan.com/2006/11/12/bryan-was-professional-helpful-diligent-courteous-and-extremely-friendly/#comments Sun, 12 Nov 2006 23:12:18 +0000 drew.geraets Testimonials http://www.my-own-loan.com/2006/11/12/bryan-was-professional-helpful-diligent-courteous-and-extremely-friendly/ Buying a house does not have to be a scary endeavor. When you have someone who is there to help answer ANY of your questions and lay all of the ground work for you, there is not much that is left for a buyer to worry about.

As a first time home buyer I was extremely leery of anyone I talked to when it came to mortgages. But when Bryan urged that we meet and go over any questions I had, I knew had a found a winner.

He searched for the best possible deal for ME. That is, he did not try to just put me into any loan, but rather he knew what my financial limits were and he made sure it would be a good loan for years to come.

Bryan was professional, helpful, diligent, courteous and extremely friendly. For a first time home buyer, Bryan was the ideal loan officer. After all, when closing your house is hassle free and only takes 20-30 minutes, you know you loan officer has done you right!

Thanks again Bryan,
Ryan V.
First-Time Home Owner

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