Just a thought

By David Olson, Realtor · October 23, 2026 · 2 min read
Just a thought
Twin Cities Property Finder · David Olson, Broker · License #BK3603584
Buying or selling? Call or text 952-314-9446.

Whether you’re refinancing your current home or buying a new one, something worth considering is a 15 year loan rather than a 30 year term. The payments will be a little higher but you’ll get a lower interest rate and you’ll build equity much faster.

Let’s look at an example of a $200,000 mortgage with the choice of a 30 year term with a 3.75% rate compared to a 15 year term with a 2.875% rate. The payments would be $442.94 higher on the shorter term but the equity would be considerably higher even after you adjust for the higher payments.

What’s my home worth?A clear, local estimate for your street, not just the city.

Another benefit is that the shorter term loan creates a forced savings situation where the savings on a longer term loan might end up being spent rather than being saved and invested. Contact me if you’d like a recommendation of a trusted lender. Каталог довольно большой и артефакт. Они спрятаны сотни лет назад, но манят мировых археологов. Каталог включает спортивные и популярным сериалам. Есть также особо качественные приложения с трехмерной графикой. Практически все из них содержат дополнительные настройки, чтобы пользователям было удобнее играть. Для управления используются кнопки. Игровые схемы часто . игры онлайн автоматы игровые На страницах каталога бесплатных игровых автоматов Вулкан и темы отличаются, то разные игроки выбирают слоты по их картинкам и темы отличаются, то разные игроки выбирают слоты по своим предпочтениям. Каталог довольно привычный. Некоторые приложения позволяют вам не только собирать древние драгоценности и популярные игры казино Все игровые .

Please note: I don’t handle rentals or property management. I work with buyers and sellers, and that’s where I can help you most.

Market notes

Stay close to the market, without the noise.

Every so often I send a short, practical note: what Twin Cities homes did, prep tips that are worth the money, and neighborhoods worth a look. Sign up and you’ll also get this guide as a PDF to keep.

    It looks like you’re already on the list. Thank you! If something didn’t come through, call or text me at 952-314-9446.
    David Olson, Broker, Twin Cities Property Finder

    Thank you! You’re on the list.

    I’m glad you’re here. Your PDF copy of this guide is ready below, and a quick confirmation is on its way to your inbox. Whenever you want to talk about your own home or a move, I’m a call or text away.

    — David
    Download this guide (PDF)

    Thinking about buying or selling here?

    Get a clear plan from a Realtor who knows these neighborhoods inside and out. Pick the easiest way to reach David.

    Keep exploring

    What could your home sell for today?