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16 questions found

Is a $46,000 appraisal gap on my late relative's home actually negotiable, or is my deal dead?

I'm selling an inherited property under a conventional loan and the buyer's lender just came back $46,000 under our $455,000 contract price even though a nearly identical unit sold for $459,000 just a few months ago, so I'm trying to figure out if there's a normal way to push back on an appraisal that far off before I assume the deal is falling apart.

Asked by Mateo G. | Duluth, MN | 09-28-2026 | 40 Views | Selling | Updated 1 month ago

Can my agent legally offer to buy my house herself the day after I sign?

I signed a listing agreement last Tuesday after weeks of interviewing three different agents, finally picked one who seemed sharp and had great photos on her website. Wednesday morning, less than 24 hours later, she calls and offers to buy the house herself, cash, waiving her commission, for 60% of the price we agreed to list at. I said no immediately but now Im wondering if I can get out of the listing agreement entirely since this feels like a huge conflict of interest and I dont trust her anymore.

Asked by Marguerite T. | Duluth, MN | 09-25-2026 | 54 Views | Buying | Updated 1 month ago

there are 5 relatives that own a 30 acre parcel. one part wants out. can that one part force the oth

need to know if one parties can force a sale of the whole 30 acres

Asked by Sandra Corey-Mosher | Buffalo, MN | 09-19-2026 | 41 Views | Tips & Advice | Updated 1 month ago

Will our rate lock actually hold through a mid-December closing?

We're closing on our new build mid-December and rates just jumped again. Our lender won't lock anything more than 60 days out. What are our options if rates move a lot before we're inside that window?

Asked by Reece D. | Minneapolis, MN | 09-18-2026 | 33 Views | Buying | Updated 1 month ago

Should we get a second opinion on our commercial listing price?

We have spent two years marketing a commercial property through the same brokerage, and each offer has arrived below what comparable sales suggest. Firm deadlines have repeatedly been extended without explanation, and a sister property was valued similarly low by a colleague at the same firm. Should we request an independent valuation, engage a second brokerage, or continue as we are before accepting a further discounted offer?

Asked by Marlon T. | Duluth, MN | 09-11-2026 | 34 Views | Marketing | Updated 1 month ago

which loan structure actually saves more if I refi in 5 years

im finalizing my mortgage and stuck between two options one is 6.25 percent with 350k down and a 400k loan and the other is 6.125 percent with 187.5k down and a 562.5k loan putting 162.5k straight to principal right after closing and im planning to refinance in about five years so which one actually costs less in total interest by then

Asked by Bastian F. | Duluth, MN | 08-29-2026 | 30 Views | Buying | Updated 2 months ago

Can my lender make me pay back their profit after I paid off my mortgage early?

I got a conventional loan on my house, and about two months later an inheritance let me pay it off completely and finally be debt free. Now my loan officer is texting me angry, saying he got hit with a YSP clawback from the investor he sold my loan to and wants me to cover about 4,700 of it. I checked my note and closing disclosure and theres no prepayment penalty listed anywhere. Isnt that clawback something between him and the investor, not something I ever agreed to pay?

Asked by Rosalind K. | Duluth, MN | 08-19-2026 | 52 Views | Finance & Legal Info | Updated 2 months ago

When a person finds a condo, the seller has an agent, and the buyer has an agent. Who pays the commissions?

Asked by Rose Holmberg | Andover, MN | 08-09-2026 | 54 Views | Buying | Updated 2 months ago

how much house can we ACTUALLY afford on $140k a year? (not what the calculator says)

i don't trust the calculators and want to know how much we can really afford. me and my husband make $140k together. I want the right house and not one that we will regret because we spent to much and now we cant afford to do anything else.

Asked by Kelly G | Minneapolis, MN | 07-07-2026 | 53 Views | Buying | Updated 3 months ago

What is a life estate and who should have one?

I haven't done a lot of estate planning, but I'm at an age where I should. What is a life estate? Who should have one? Is this the best option?

Asked by Mary | St. Cloud, MN | 05-27-2026 | 87 Views | Tips & Advice | Updated 5 months ago