Monday but it doesn’t feel like Monday

Here we are after over a month of stay at home orders. Working at home isn’t new to me but it was nice when I had a choice. Soon it will be warm enough to move out onto the front or back porch.

People are buying and selling houses and I have been busy and working every day. Some things take longer and are more difficult than they used to be but it all works out. We put a house on the market on Saturday and on Sunday the sellers accepted an inspection contingent offer.

In addition to my well-appointed home office, I have a small workspace in an upstairs bedroom and what I call my “playroom” in the basement. My playroom is where the sewing machines are which is my segway into mentioning that in Minnesota it is homemade mask week.

The Office of Governor Tim Walz and Lieutenant Governor Peggy Flanagan announced on Saturday a statewide, week-long homemade mask drive to aid residents and workers within local congregate living facilities on the frontline of fighting COVID-19.

Participating Minnesotans are asked to donate their homemade masks to their local fire departments on April 25 from 10 a.m. to 2 p.m. – which will then be delivered to congregate facilities in need.

Here are some instructions on how to make the masks from the Minnesota Department of Health.

I also have friends and neighbors who would like some masks. My goal is to make 100 of them this week.

clothe face masks
First batch of masks



Home buyers need help

I recently talked to a first time home buyer who lost out in a multiple offer situation. Her offer didn’t stand a chance and her agent was too inexperienced to give her good advice. Most new agents don’t know what they don’t know and the same is true with first time home buyers.

Agents don’t always ask for help or even admit that they are new and need help so that we can help them.

Here are a few things home buyers need to know:

  1. In a multiple offer situation there won’t be any negotiating. The seller will accept the best offer.
  2. An offer is not a full-priced offer if the buyer is offering the list price and asking the seller to pay closing costs.
  3. In most cases $1000 dollars earnest money is not enough.
  4. Making earnest money refundable to the buyer if there is a problem with financing makes the offer weaker. There is a better way.
  5. Asking for a closing in three months may weaken an offer. Find out how soon the seller wants to close.
  6. Offers without pre-approval letters are seldom considered.
  7. Offers that are contingent on the sale of the buyer’s home are undesirable to most sellers.
  8. If the house needs a lot of work FHA financing might not work. Please ask your lender about FHA appraisals.
  9. Sometimes you have to walk away. let some other buyer overpay.
  10. Sellers are rarely motivated to take an offer that is less than full price the first day on the market.

When a home seller accepts an offer the home is more or less off the market. Sure people can see it but usually, there is little activity once other buyers know that the home has a contingent offer on it.

I’ll never recommend skipping the home inspection as some buyers do to make their offer more appealing. Inspections protect sellers and buyers and I think it is crazy to buy a house without an inspection.

Working with an agent who hasn’t worked with a buyer before or who has little experience will put the buyer at a disadvantage over other buyers who are working with an experienced agent.

There are so many situations that arise when buying or selling real estate. I wish I could say that it is a simple process but it is not. Getting advice from friends and family is fine but it is important to understand that real estate is local. Laws and business practices are different in each state.

Laws an business practices change and so does the housing market. Parents need to understand that what worked for them 10, 15 or 30 years ago may not work in today’s market.

Choose the Realtor first


There are many wonderful apps for home buyers. There are a few where all you have to do is find a house and tap on a link to schedule an appointment.

The apps belong to real estate companies, real estate agents and companies that sell “leads” to real estate agents.

Go ahead and use the apps, they will save time and make your home search easier.

If you plan to work with a buyers agent choose the agent by interviewing a few or getting recommendations from people you know not by tapping on an app.

I recently worked with a home buyer who found his agent through an app. He found that the agent had no experience in the neighborhood or with the condos he wanted to see.

No matter who you choose to work with you should be able to use the apps that you love.

For years I have worked with people who use the web site of a major real estate company to search for homes. It is one of the best hoe searches out there.

Developing software and working with home buyers are two very different occupations that require different skill sets.

I strongly encourage buyers who wish to shop for a home online or with their phone to choose the web site or the app that they find the easiest to use and the most useful.


Timing for homebuyers in a sellers market

blue house
small house

We are in a strong housing market. Demand for homes is high and supply is low.

During the buyers market, a decade ago, people who needed to move could look at houses months ahead of time, make an offer and get the sellers to agree to close a few months later.

In today’s market sellers can set the terms and most are looking to close soon. Starting the search too soon doesn’t work because the houses you look at today will be sold in a few weeks.

However, there are always houses for sale shown on the internet. Homebuyers can browse and get familiar with the market months before they actually start touring houses.

When there is a shortage of homes it is a good idea to start looking 60 to 90 days before you plan to move.

Buyers will need to plan ahead and be pre-approved for a mortgage and be ready to write an offer.

People who are renting should try to enter into a month to month lease with 30 days’ notice to move. Flexibility makes a difference and makes it easier to win in a multiple offer situation without having to go far above the asking price.

Plan on getting pre-approved for a mortgage four months before you need to move. Start working with a real estate agent three months before the move.

Why can’t we think outside the big house box?

tiny house

There is a housing affordability crisis in the Twin Cities and all over the country. I think that tiny houses and micro-apartments might be a solution.

There isn’t really an agreed-upon definition for a tiny house.  I think of homes that are less than 500 square feet and have found many that are less than 300 or even 200 square feet of finished living space. When they get down to 100 square feet they seem too small to call home.

These dwellings are much less expensive than a more standard size house. The idea is to spend less on housing and have fewer belongings and more time to spend doing something besides working for money and accumulating stuff that requires space.

Smaller houses also cost less to heat and cool and to insure. They require less maintenance and less furniture.

On average people who own tiny houses have money in the bank and many of them have no mortgage.

Today isn’t at all unusual for first time home buyers to be looking for at least 2000 square feet and the averages for new construction, at least in the burbs is closer to 2400 square feet. They don’t have enough stuff to fill it up so they start acquiring and accumulating.

Some studies have suggested that families who live in tighter quarters get along better because they spend more time together. Yet the most common reason for wanting a bigger house is to have room for children.

Many of the tiny houses are mobile and can be moved to a lot. Of course in the city, you mostly can’t do that but in some parts of the country the demand for tiny houses is changing local zoning laws, but in St. Paul laws are slow to change.

Having a tiny house far away from the city isn’t as sustainable as having it in the city close to amenities and jobs and perhaps using public transportation.

Accessory dwellings units, which are tiny houses in people’s back yards have been permitted in St. Paul, since 2016. I have seen a few. They can only house relatives or be used as offices or studios.

Adu – from the city of St. Paul web site

I think there is a market for tiny condos in downtown St. Paul. There are spaces that are less than 500 square feet. They are never marketed as tiny condos but they should be. Most have full-sized kitchens which really seems like a waste of space. Why not have a galley kitchen? I like the idea of a Murphy bed too or a sleeper sofa that can double as a place to sit.

When something comes on the market in the area that is small I usually go see it. We all have the idea of a dream house, I dream small.

There are numerous websites dedicated to tiny houses and they can be built from kits that can be ordered online but there aren’t any kits for tiny condos. 🙂 We are not seeing micro-apartments yet but they are sure to travel from the coasts and make it inland in the next decade or so and eventually maybe we will be able to put some tiny houses on city lots.

Small houses on small lots

Longer days and more light

Ask any stager, real estate agent or designer and they will tell you that light matters. Generally more light is better. If you have a home to sell and can not afford to fix it up nice clean it, wash the windows and light the light shine in.

Remove heavy drapes and open the window blinds. The days are still too short to look at houses in the evening but that will change in a few weeks when daylight savings time starts.

Sometimes homebuyers are like moths. They are attracted to the light and they may not even realize that is why they love one house and like another.

Loft – This unit has huge windows and is East-facing
Well lit rooms
North Facing Home – photographed with lights on