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All real estate agents are NOT alike! Find out why we are top real estate experts. Call us: 763-587-7200.
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Team Firnstahl are some of The
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Read What People Are Saying About Us We always ask our clients to write or email us, and tell us truthfully how they appreciated our service to them. Their feedback is so important! Here are a few highlights of what people are saying about us...  A thanks from Steve & Diane
"What impressed us most was your effective marketing approach along with the high degree of professionalism from the entire staff!"
Steve & Diane
Bruce Johnson
I would highly recommend using Team Firnstahl. We were treated like royalty.
Bruce
Carrie Gill
It was nice to have everything done when it was time to have it done.
Carrie Gill
Chris & Meghann Jeffrey
We found Team Firnstahl to meet all of our real estate needs, both in buying & selling our old home.
Chris & Meghann Jeffrey
Dan & Sue Lehrer
A great team approach, marketing plan and skilled people!
Dan & Sue Lehrer
Dan Iverson
"From the moment I with your representative, Greg, I was impressed."
Dan Iverson
David & Julie Cambronne
Many companies promise a “team” approach and often fail to deliver on their promise. Not so with your team.
David & Julie Cambronne
Deb Stanton
Overall, the team was very helpful.
Deb Stanton
Debra Kemp
"Team Firnstahl is a highly qualified and professional team of individuals..."
Debra Kemp
Donna Jones
The personal care and consideration of the team is way above previous experiences in the past.
Donna Jones
Eric Veland
When they answer the phone they say, "It's a great day with Team Firnstahl" and we agree wholeheartedly.
Eric Veland
Judy Bush
Every person in the Firnstahl office is friendly, efficient...
Judy Bush
Kris Radke
Koreen really listened to what we were looking for. She seemed to understand even when we couldn't find the words.
Kris Radke
Larry and Louise Gerwing
"Jeff, Koreen, Esther, Jamie, and Leah as well as the other team members who worked on selling our home were awesome!"
Larry and Louise Gerwing
Luverne Youngkin
Team Firnstahl's marketing & advertising are the best!
Luverne Youngkin
Megan Rognrud
"Your awesome staff (Jacob) has been a delight to work with!"
Megan
Michael Eggerth
I have had bad to less than pleasant experiences with some other realtors in the past.
Michael Eggerth
Michelle Carlson
"My husband and I were very pleased with our experience with Greg, I cannot say enough about it!"
Michelle Carlson
Ralph Wiehle
Thanks so much for all of your help.
Ralph Wiehle
Randy Lindo
I was impressed by the lack of pushiness displayed by my agent.
Randy Lindo
Richard Prochaska
"Team Firnstahl is a very people friendly place to do business with."
Richard Prochaska
Robert Bristel
The Firnstahl team handled our business with professionalism and courtesy.
Robert Bristel
Sarah Price
Team Firnsthl knew what they were talking about...
Sarah Price
Shannon & David Marchetti
We were referred to Team Firnstahl from a family member who had told us what a wonderful job you had done.
Shannon & David Marchetti
Shar DeLorme
Our experience with Team Firnstahl was 100% positive. We had never sold a house before and Jeff & his staff made it seem nearly effortless.
Shar DeLorme
Tania Lex
Koreen was great! Office staff was friendly! The moving truck was fabulous!
Tania Lex
Wes Lang
What impressed me about Team Firnstahl was the confidence, experience & ability.
Wes Lang
Why Choose Team Firnstahl?
"Their low pressure approach met our pace. They were courteous and very helpful through the whole home buying experience!"
Anne & Jeff
You have a story to tell about us. You've worked with us, and we've helped you buy or sell a home. We need your feedback. Others need your feedback, too! Please take a moment to fill out this form and tell us how we did...
Financing Your Home >Qualifying For A Loan
It is useful for home buyers to understand the difference between loan pre-qualification and pre-approval. Pre-qualification, which in today's marketplace is usually done by mortgage brokers, means working with the buyers to determine how much they can afford and which loans are the most likely to be available to them. Loan pre-qualification can save buyers time and money and can even be a bargaining tool with a seller. However, pre-qualification is not the same as loan "pre-approval". The mortgage broker can often get the buyer a pre-qualification letter, but pre-approval must be issued by the mortgage lender.
Pre-approval means that the lender has definitely committed to loaning the buyer money, once the house itself is approved. Since it is a much stronger pledge, it is a much more valuable negotiating tool. When you hear someone talking about "pre-approval", they are referring to specific acknowlegment by a lender that they are willing to loan the buyer money. The real estate agent can be of assistance in this process.
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| Q |
What are three of the best indicators of real estate market trends?
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| A |
Existing home sales, new home building and mortgage interest rates.
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