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For Information on Qualifying for Your Next Home Purchase, Contact Mark Sicora at Bell Mortgage Email: msicora@bellbanks.com or Phone: 612-750-5508
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Testimonial
"I just wanted to thank you, Brace, and your very capable team for all your hard work in selling our house - again and again! Krista Eull took great pictures, handled problems and twice delivered very difficult news to me with grace and understanding. Cindy Ashley was very helpful in advising me as far as fixing things and negotiating. We are very happy and continue to get settled in our new townhome. So, thanks to you all for helping us move ahead with our lives. You're all great!"
-Sue B~
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Welcome!
Do you feel the chill in the air? Fall has officially arrived! October brings cozy nights by the fire, pumpkin patches, and cinnamon and spices.
Get settled into your warm, new home this season! We are always accepting new listings, and have properties ready to show for all buyers.
If you have any questions or would like to talk about buying or selling a home, please give us a call.
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A Lonely Housing Bear Predicts a Big Tumble
 By Lewis Braham Talk to Mark Hanson about the housing market for five minutes and you may find yourself wanting to sell your home and park the cash in a suitcase.The Menlo Park, California, real estate analyst, blogger and founder of consultancy Hanson Advisers predicts a decline of 20 percent in housing prices in the next 12 months. Half the gains since the latest housing bottom in 2011 could be erased in the hot areas -- Florida, California, Nevada, Arizona and Georgia -- by rising interest rates and a thinner herd of speculative private-equity buyers, he says. Less bearish real estate experts such as Stan Humphries, chief economist at Zillow and a Hanson fan, also see signs of froth. Existing home sales jumped 6.5 percent to 5.39 million this July, their highest level in three years. In August those sales fell 1.6 percent despite a surge in 30-year mortgage rates -- a move Humphries says was healthy because the market needed to cool off, and that relatively mild reaction showed there was still buying in the face of rising rates.
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9478 Riley Lake Road · Eden Prairie, MN
 This former model is very well appointed with beautiful Maple millwork throughout and 4¿ rustic Maple hardwood flooring on main. Take in the arched passageways, crown molding, granite and marble countertops & three stone gas fireplaces. Extremely well designed spaces make this home ideal for entertaining & easy everyday living at the highest standard. The foyer is flanked by formal dining & a study filled with built-in cabinetry. The living room has an abundance of natural light, a gas fireplace & numerous media built-ins. It opens to the informal dining area & gourmet kitchen. Adjacent to the kitchen area is a sun room with incredible views & access to the Trex deck with custom railing & spiral staircase to the patio level.
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Fall Lawn Care: 4 Ways to Say G'Night For The Winter
 By Lisa Kaplan Gordon
Although spring lawn care gets all the attention, fall lawn care is the make-it or break-it season for grass.
"I'm already thinking about next year," says John Dillon, who takes care of New York City's Central Park, which features 200 acres of lawn in the middle of Manhattan. "The grass I grow this fall is what will be there next spring."
Fall lawn care is no walk in the park. It's hard work, and Dillon guides you through the four basic steps.
1. Aeration
Aeration gives your lawn a breather in autumn and provides room for new grass to spread without competition from spring weeds. Aeration tools pull up plugs of grass and soil, breaking up compacted turf. That allows water, oxygen, and nutrients to reach roots, and gives seeds room to sprout.
If kids frequently play on your lawn, plan to aerate twice a year - fall and spring. If your lawn is just for show, then aerate once a year - and maybe even once every other year.
A hand-aerating tool ($20), which looks like a pitchfork with hollow tines, is labor-intensive and meant for unplugging small sections of grass. Gas-powered aerating machines (rental, $20/hour) are about the size of a big lawn mower, and are good for working entire lawns. Bring some muscle when you pick up your rental: Aerating machines are heavy and can be hard to lift into your truck or SUV.
Depending on the size of your property, professional aeration costs about $150.
2. Seeding
Fall, when the soil temperature is about 55 degrees, is the best time to seed your lawn because turf roots grow vigorously in fall and winter. If you want a lush lawn, don't cheap out on the seed.
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