Some Real Estate Tips & Tricks
For You!- Minnesota Real Estate Tips & Tricks | Pathways Home Group
From investment strategies to market insights and home maintenance, we've got expert tips and tricks to help you navigate the world of real estate with confidence
Home Buying & Mortgage Tips
If you've been renting, you've probably wondered whether it's the right time to buy a home. With rent prices continuing to rise, many people are realizing they could own a home for the same—or even less—than what they're paying in rent each month.
At Pathways Home Group, we help clients discover how homeownership can be within reach, often with payments similar to their current rent. Here's why buying might make more sense than renting right now:
Why Buying Often Beats Renting
Build Equity, Not Your Landlord's Wealth: Every rent payment you make goes straight to your landlord. When you own, each payment builds equity—your personal wealth—over time.
Predictable Monthly Payments: Rent can increase year after year. With a fixed-rate mortgage, your monthly housing cost stays consistent, giving you peace of mind and financial stability.
Tax Benefits: Homeowners may qualify for tax deductions on mortgage interest and property taxes—something renters don't get.
Freedom to Personalize: Want to paint the walls, update the kitchen, or plant a garden? As a homeowner, you have the freedom to make your space truly your own.
Same Payment, Different Outcome: Many renters are surprised to learn they could own a home for the same monthly payment—or sometimes less—than their current rent. The difference? Homeownership builds long-term financial security.
When Renting Might Still Make Sense
Renting can be the right choice if you need short-term flexibility, are saving for a down payment, or aren't ready to commit to a specific location. But if you're planning to stay put for a few years, buying often creates more financial value in the long run.
Final Thoughts
Renting may feel easier, but buying offers stability, freedom, and the chance to build wealth. If you're paying rent, you might already be in a position to own a home for the same cost.
At Pathways Home Group, we specialize in helping renters explore buying options that fit their budget and goals. Ready to see what's possible? Let's talk today and turn your rent into an investment in your future.
A quiet financial revolution has been unfolding in the American housing market, reaching a historic milestone in 2024. For the first time, over 40% of homeowners now own their homes outright—without a mortgage.
This trend, which has been steadily climbing for over a decade, represents a profound shift in household balance sheets and offers a powerful message about long-term financial security. Let's explore what's behind this milestone and what it means for you.
The Data: A Clear, Upward Trajectory
The numbers don't lie. The percentage of homeowners who are "free and clear" has risen consistently since the aftermath of the Great Recession:
| Year | Percentage |
|---|---|
| 2010 | 32.8% |
| 2011 | 33.6% |
| 2012 | 34.3% |
| 2013 | 35.7% |
| 2014 | 36.2% |
| 2015 | 36.7% |
| 2016 | 37.0% |
| 2017 | 37.2% |
| 2018 | 38.1% |
| 2019 | 38.3% |
| 2021 | 38.7% |
| 2022 | 39.3% |
| 2023 | 39.8% |
| 2024 | 40.3% |
*Data not available for 2020, due to the COVID-19 pandemic and its impact on reporting. Source: Census, ResiClub
This 7.5 percentage point increase since 2010 is significant. It means millions more households have eliminated one of life's largest monthly expenses, unlocking unprecedented financial flexibility.
What's Driving This Trend?
Several powerful demographic and economic forces have converged to create this mortgage-free majority-in-the-making:
- The Aging of the Baby Boomers: The largest generation in American history is entering their peak home-equity years. Many who purchased homes in the 1980s and 1990s have paid off their 30-year mortgages, graduating to a payment-free housing cost.
- A Powerful Equity Surge from the Pandemic Boom: The historic run-up in home values from 2020-2022 dramatically accelerated equity building. Homeowners saw their net worth soar, enabling many to pay off their mortgages earlier than planned.
- A Cultural Shift Toward Debt Aversion: Post-2008, a generation of homeowners became more cautious about debt, prioritizing paying down their mortgage as a safe, guaranteed "return" and a cornerstone of their retirement plan.
- Rising Equity Through Forced Savings: For those who didn't sell, simply making their monthly payment during a period of high appreciation acted as a form of forced, high-yield savings.
Why This Matters for Today's Homeowners and Buyers
This milestone isn't just a statistic—it's a beacon illuminating the long-term payoff of homeownership.
For Current Homeowners: It's a reminder of the ultimate goal. Every payment builds your equity and moves you closer to this state of financial freedom. It validates the strategy of viewing your home not just as a place to live, but as a foundational wealth-building asset.
For Prospective Buyers: It highlights the power of time and consistency. While today's market presents challenges, this data shows that homeownership, over the long haul, is one of the most reliable paths to building significant net worth and achieving true housing cost stability in retirement.
For the Housing Market: It contributes to the current low inventory. Many mortgage-free owners are "locked in" by choice, not by rate. They have no monthly payment pressure to sell, allowing them to stay in their homes longer and on their own terms.
The Bottom Line: Your Mortgage is a Marathon, Not a Sprint
Reaching the "mortgage-free" finish line is a long-term endeavor, but this data proves it's an achievable and increasingly common American dream. It underscores several key truths:
- Homeownership is a Forced Savings Plan. With each payment, you're buying a larger share of a tangible asset.
- Time is Your Greatest Ally. The benefits compound over decades.
- Financial Freedom is the Ultimate Reward. Eliminating a major monthly expense creates options—whether it's funding retirement, helping family, or pursuing new passions.
Whether you're 10 years into your mortgage or just starting to explore buying, let this 40% milestone be an encouragement. The path to owning your home free and clear is a proven one, and it leads to one of the most secure positions in personal finance.
Is your strategy aligned with this goal? At Pathways Home Group, we help clients build real estate plans that prioritize long-term equity building and financial freedom. Let's discuss how your housing choices today can lead to a mortgage-free tomorrow.
The internet is buzzing about the new 50-year mortgage—and everyone's asking: is it a smart move or a financial trap? Let's break down what this debate really means for homebuyers and whether it's a good idea for you.
What's the Difference?
The classic 30-year mortgage has long been the standard for balancing affordable monthly payments with long-term financial sense. The new 50-year mortgage stretches your loan two extra decades to lower your monthly payment—but at a cost.
The Real Math
Let's say you take out a $400,000 loan.
- 30-year fixed at 6.375%: $2,496/month
- 50-year fixed at 6.875%: $2,369/month
You'd save roughly $127 a month—but you'd also be in debt for 20 more years and pay far more in total interest. That's not affordability—it's just pushing the problem further down the road.
Who Benefits?
While this loan could help a few buyers qualify, it mainly benefits investors. Extending debt over 50 years makes rental properties cash-flow better, potentially reducing the number of single-family homes available to first-time buyers.
The Big Picture
The 50-year mortgage isn't solving the housing affordability problem—it's a temporary band-aid. Real solutions will come from increasing housing supply, not stretching debt further.
What Makes Sense?
If you're serious about buying, a 30-year mortgage remains the more balanced, responsible choice for most homeowners. It builds equity faster and protects you from decades of additional interest costs.
At Pathways Home Group, we help you understand your financing options and make choices that align with your goals—not trends. Give us a call to talk about your real estate plans, or click here to talk to our lenders today.
In a real estate market that shifts from frenzy to balance, sellers need every advantage to stand out, secure the best price, and ensure a smooth transaction. One powerful tool that's gaining traction is the pre-listing home inspection. Instead of waiting for the buyer's inspection, proactive sellers are ordering their own before the "For Sale" sign even goes up.
While it requires a modest upfront investment, this strategy can pay significant dividends. Here are three compelling reasons why a pre-listing inspection may be your secret weapon.
1. It Gives You Time and Control To Make Repairs on Your Schedule
The traditional process puts sellers on the defensive. After accepting an offer, the buyer's inspection occurs, often leading to a frantic scramble. You might receive a long list of requested repairs or credit concessions with a tight deadline, forcing you to hire the first available contractor at a premium or concede more in negotiations.
A pre-listing inspection flips this script. You get the report first, on your own time.
- Choose Your Contractors: You can research, compare quotes, and hire trusted professionals to do the work properly and cost-effectively.
- Budget Strategically: Knowing the exact scope of work allows you to price your home accordingly or decide which repairs offer the best return on investment.
- Sell with Confidence: Once repairs are made, you can market your home as "proactively maintained" or "recently serviced," a strong selling point that attracts savvy buyers.
The Bottom Line: Control replaces chaos. You manage the process, not the other way around.
2. It Helps You Avoid Nasty Surprises During Negotiations
In a sale, surprises are almost always bad news. The buyer's inspection can feel like a high-stakes exam where you don't know the questions. A significant, unknown issue discovered at this stage can derail the deal, force a major price reduction, or send the buyer walking.
A pre-listing inspection acts as a strategic disclosure tool. It transforms unknowns into knowns.
- Full Transparency: You can choose to share the full report with potential buyers upfront, building immense trust and demonstrating unparalleled honesty.
- Set Realistic Expectations: By disclosing minor issues (a loose gutter, an aging water heater), you "disarm" them. They become acknowledged facts priced into the listing, not shocking discoveries used as leverage later.
- Strengthen Your Position: If a buyer's inspector "finds" something you've already disclosed and addressed, it neutralizes their negotiating power on that point. The conversation shifts from "What's wrong?" to "It's already been handled."
The Bottom Line: You eliminate the ammunition for aggressive re-negotiation after an offer is made, leading to cleaner, firmer deals.
3. It Sets You Up To Sell Your House Faster and With More Appeal
Today's buyers are informed and often wary. They've heard horror stories about hidden defects. A home that comes with a recent pre-listing inspection report stands out as a low-risk, transparent purchase.
- Reduces Buyer Hesitation: For cautious buyers, the inspection report is a hurdle. Providing it upfront removes that hurdle, making your home an easier and more attractive choice.
- Attracts Serious Offers: Buyers comfortable with the home's condition are more likely to submit strong, clean offers without lengthy inspection contingencies. Some may even waive their inspection contingency altogether, a huge advantage in any market.
- Streamlines the Process: With major issues already addressed and documented, the path from offer to closing is smoother and faster, reducing the chance of last-minute fall-throughs.
The Bottom Line: You're not just selling a house; you're selling certainty and peace of mind, which are incredibly valuable commodities in a real estate transaction.
Is It Right for You?
A pre-listing inspection is particularly valuable for older homes, sellers who have lived in their property for decades and may not be aware of current code issues, or anyone who wants to minimize stress and maximize control. It's a strategic decision that positions your home as a well-maintained, honest deal in a competitive marketplace.
Before you list, consider this: Would you rather learn about your home's condition on your terms, or on a buyer's terms during a tense negotiation? For more and more sellers in today's market, the choice is clear. Investing in a pre-listing inspection isn't an expense—it's a strategic move for a superior sale.
Getting pre-approved is one of the most exciting steps in the homebuying process. It means you're serious, ready, and in a strong position to make an offer when you find the right home. But did you know there are certain things you should absolutely avoid once you've been pre-approved? Making the wrong move can jeopardize your financing and even cost you your dream home.
Here are the top things not to do after you're pre-approved:
- Don't Make Big Purchases: Avoid buying furniture or upgrading your car before closing. Large purchases can alter your debt-to-income ratio.
- Don't Change Jobs: Lenders prefer stable employment. A sudden change can delay or derail your approval.
- Don't Open or Close Credit Accounts: Any change to your credit can affect your score and loan terms.
- Don't Miss Payments: Even one missed payment can lower your credit score quickly—always pay on time.
- Don't Make Large Cash Deposits: Lenders must verify all funds. Keep a clear paper trail for any transfers.
- Don't Co-Sign Loans: Co-signing adds new debt to your profile and weakens your approval standing.
- Don't Ignore Your Lender's Requests: Respond promptly to any requests to avoid delays or issues with your loan.
Final Thoughts
Getting pre-approved is a big step toward homeownership—but it's not the finish line. Think of pre-approval as a promise based on your current financial picture. To protect that promise, avoid making sudden changes until you've officially closed on your home.
At Pathways Home Group, we're here to guide you through every step of the process, making sure your journey to homeownership is smooth, stress-free, and successful. If you have questions about pre-approval or the buying process, reach out to us anytime.
When you're shopping for a home loan, the advertised mortgage rate often feels like a moving target. You might see one number online, but the offer you receive can be significantly different. Why? Because your personal mortgage rate is not a one-size-fits-all number—it's a custom calculation based on your financial profile and loan choices.
While market trends and the Federal Reserve make headlines, your individual rate is primarily determined by three personal factors you can influence. Understanding these can help you secure the best possible terms and save tens of thousands of dollars over the life of your loan.
Let's break down the three core factors that lenders use to determine your mortgage rate.
1. Your Credit Score: Your Financial Report Card
Think of your credit score as your financial GPA. It's the single most powerful factor under your control that lenders use to assess risk. A high score signals that you're a reliable borrower who pays bills on time, which translates to lower risk for the lender—and a lower interest rate for you.
How It Works:
- Excellent Credit (740+): You'll qualify for the very best rates available. Lenders compete for your business.
- Good Credit (670-739): You'll still get favorable rates, but may not see the absolute bottom-tier offers.
- Fair/Average Credit (580-669): You'll qualify for a loan, but likely at a higher interest rate to offset the perceived risk.
- Poor Credit (Below 580): Qualification becomes difficult, and rates are significantly higher, if conventional financing is available at all.
Pro Tip: Before you start shopping, check your credit report for free at AnnualCreditReport.com. Dispute any errors, pay down credit card balances (keeping utilization below 30%), and ensure all payments are made on time for at least six months to boost your score.
2. Your Loan Type: The Blueprint of Your Mortgage
Not all mortgages are created equal. The type of loan you choose carries different levels of risk for the lender, which is reflected in the interest rate.
- Conventional Loans: These are not backed by the government. They often require higher credit scores and larger down payments (typically 5-20%), but they can offer competitive rates, especially for strong borrowers.
- FHA Loans: Backed by the Federal Housing Administration, these are popular with first-time buyers. They allow for lower credit scores (as low as 580 with 3.5% down) and lower down payments. However, they come with mandatory mortgage insurance premiums, which increase the overall cost. The base interest rate might be similar, but the added fees affect your monthly payment.
- VA Loans: For eligible veterans and service members, these loans, backed by the Department of Veterans Affairs, often offer the most favorable terms: no down payment and no private mortgage insurance (PMI). They typically feature the lowest market rates available.
- USDA Loans: For low-to-moderate income buyers in eligible rural areas, these government-backed loans offer 100% financing. Rates are competitive, often similar to conventional loans.
The Takeaway: Government-backed loans (FHA, VA, USDA) often have more flexible qualification requirements but may have different fee structures. Compare the Annual Percentage Rate (APR), which includes fees, not just the interest rate, to see the true cost.
3. Your Loan Term: The Timeline of Your Debt
The length of your mortgage—your loan term—directly impacts your rate. This is the trade-off between monthly affordability and total interest paid.
- 30-Year Fixed-Rate Mortgage: The most common choice. It offers the lowest monthly payment, which improves affordability. However, because the lender's money is tied up for a longer period with more exposure to future economic shifts, the interest rate is higher than on a shorter-term loan. You will pay significantly more interest over the life of the loan.
- 15-Year Fixed-Rate Mortgage: This term comes with a lower interest rate because the lender's risk is reduced. Your monthly payment will be higher, but you'll build equity much faster and save a staggering amount in total interest paid over the life of the loan.
- Other Terms (10, 20, 25-year): These follow the same principle: shorter term = lower rate = higher monthly payment = less total interest.
The Math is Clear: Opting for a shorter term can save you a fortune. On a $400,000 loan, the difference between a 30-year and a 15-year rate could be 0.5% or more. That seemingly small difference can translate to over $100,000 in interest savings.
The Bottom Line: You Have More Power Than You Think
While you can't control the Federal Reserve or global economic trends, you have direct influence over the three pillars that most affect your personal rate:
- Boost your credit score before you apply.
- Choose the right loan type for your financial situation and goals.
- Select a loan term that balances monthly affordability with long-term wealth building.
Getting the best mortgage rate isn't just about finding the lowest number—it's about presenting yourself as a low-risk borrower and structuring your loan strategically. By focusing on these three factors, you position yourself to unlock the most favorable terms, turning your mortgage from a simple debt into a smarter financial foundation for your future.
Ready to see where you stand? The first step is a confidential, no-obligation conversation with a trusted mortgage professional who can evaluate your unique profile against these three factors.
There's big news in the mortgage world, and it could make homeownership more accessible for many buyers who previously felt sidelined. Fannie Mae (FNMA) has announced a major update that removes the minimum credit score requirement for certain loan programs — as long as the loan receives an Approve/Eligible recommendation through their Desktop Underwriter® (DU) system.
This update is a significant step toward expanding access to credit and helping more people achieve the dream of homeownership. Here's what it means for today's buyers.
What Exactly Changed?
Historically, buyers needed to meet a minimum credit score to qualify for many Fannie Mae loan programs. That barrier has now been lifted when DU issues an Approve/Eligible decision.
Instead of relying on a specific credit score cutoff, DU will evaluate the borrower's entire risk profile, which includes:
- Income
- Assets
- Payment history
- Debt-to-income (DTI) ratio
- Loan characteristics
🏡 Minnesota Home & Energy Tips
When it comes to creating a space you love, the interior of your home matters just as much as location or curb appeal. Whether you're prepping to sell or simply want to refresh your space, here are some smart, budget-friendly ways to elevate your home from the inside out.
1. 💡 Lighting Changes Everything
Swap out harsh overhead lights for warm-toned bulbs or layered lighting with lamps and sconces. Dimmer switches can instantly create ambiance and increase your home's appeal.
2. 🎨 Fresh Paint, Fresh Feel
A fresh coat of paint in a modern neutral (think greige, soft taupe, or classic white) can make your home feel larger, cleaner, and more inviting—especially in high-traffic areas.
3. 🚪 Update Hardware & Fixtures
Replacing dated cabinet handles, doorknobs, and faucets is a low-cost upgrade that adds major style points and a more updated look to kitchens and baths.
4. 🪑 Declutter & Stage with Purpose
Keep furniture minimal and functional. Group accessories in threes, use mirrors to reflect light, and ensure each room has a clear purpose. (Buyers especially notice this!)
5. 📦 Smart Storage Wins
Maximize closet and cabinet space with organizers and shelves. A well-organized interior suggests the home has ample storage and is well maintained.
6. 👃 Prioritize Scent and Sound
Use lightly scented diffusers (lavender, citrus, or vanilla are great choices) and eliminate pet or cooking odors. Consider calming background music for showings—it creates a positive emotional response.
7. 🪟 Highlight Natural Light
Keep window coverings light and airy. Clean windows inside and out to allow natural light to shine in—buyers associate it with cleanliness and warmth.
Thinking of Selling?
Simple updates to your home’s interior can increase buyer interest and boost your final sale price. If you're wondering which upgrades bring the best return—or want personalized staging advice—we're here to help.
📩 Contact Pathways Home Group today and let us help you shine a light on what makes your home special.
Want to lower your utility bills and reduce your carbon footprint? These Minnesota real estate tips & tricks show how making your home more energy-efficient doesn't require expensive upgrades—small changes can go a long way! Here's how to keep your Minnesota home comfortable and your wallet happy in every season.
🧰 Easy DIY Upgrades for Minnesota Homes
Seal Air Leaks: Use caulk or weatherstripping to seal gaps around windows, doors, and baseboards. Drafty rooms are harder (and pricier) to heat and cool in Minnesota's climate!
Upgrade to LED Bulbs: Switching to LED lighting can save up to 75% more energy than traditional bulbs—one of the smartest real estate tricks for Minnesota homeowners.
Install a Programmable Thermostat: Set it to lower the temp while you're away and warm things up before you return. Smart thermostats can cut Minnesota energy bills by 10-15%.
🏠 Smart Seasonal Habits for MN
Winter: Open curtains during the day to let sunlight naturally heat your Minnesota home. Close them at night to trap warmth inside during cold spells.
Summer: Use ceiling fans and close blinds during Minnesota's hottest parts of the day. Fans use less energy than air conditioning and help circulate cool air.
All Year: Unplug electronics and chargers when not in use. Even when turned off, many devices draw "phantom energy" - a key tip from Minnesota real estate efficiency experts.
🔧 Consider These Minnesota Home Upgrades
- Insulate your attic and walls to reduce heat loss - crucial for Minnesota winters
- Install low-flow showerheads and faucets to save water and energy
- Upgrade to ENERGY STAR® appliances when replacing old ones
Energy efficiency isn't just a trend—it's essential Minnesota real estate wisdom for homeowners looking to save money and increase comfort. Whether you're planning a few weekend fixes or long-term upgrades, every change counts!
#MinnesotaRealEstateTips #MNEnergyEfficiency #SustainableLiving
Reducing energy costs doesn't just save money—it makes your home more comfortable and environmentally friendly. With a few simple changes, you can lower your utility bills and make your home more efficient.
1. Switch to LED Lighting
LED bulbs use up to 75% less energy and last much longer than traditional bulbs. Replacing all your light fixtures is an easy win for your wallet.
2. Seal Drafts and Leaks
Use weatherstripping or caulk around doors and windows to prevent heat loss during the winter and keep cool air inside during summer.
3. Upgrade Your Thermostat
A programmable or smart thermostat adjusts temperatures automatically, saving energy when you're not home.
4. Unplug When Not in Use
Many electronics draw power even when turned off. Unplug chargers, appliances, and entertainment systems when not needed.
5. Maintain Your HVAC System
Regular maintenance—like changing air filters and cleaning vents—helps your system run more efficiently, lowering energy use.
Final Thoughts
Energy savings start with small steps that add up over time. Not only will you reduce your bills, but you'll also increase your home's comfort and value.
At Pathways Home Group, we're here to help you make the most of your homeownership journey—on your path, your timeline, no pressure.
Your home's exterior sets the tone for curb appeal, property value, and overall maintenance. Keeping it in great shape protects your investment and keeps your home looking beautiful year-round.
1. Clean Your Gutters Regularly
Clogged gutters can lead to water damage and foundation issues. Clean them at least twice a year—more often if you have trees nearby.
2. Power Wash Walkways and Siding
A quick power wash can remove dirt, mildew, and grime, instantly brightening your home's exterior.
3. Inspect Your Roof and Siding
Look for missing shingles, cracked siding, or gaps that could let moisture in. Addressing small issues early can prevent expensive repairs later.
4. Refresh Landscaping
Trim trees and bushes, edge your lawn, and plant colorful flowers to enhance your home's overall appeal.
5. Maintain Driveways and Fences
Repair cracks in driveways or repaint fences to keep your home looking well-cared-for and inviting.
Final Thoughts
Consistent exterior maintenance not only boosts curb appeal but also safeguards your home's long-term value.
At Pathways Home Group, we're always ready to guide you through home care tips that keep your property looking its best—on your path, your timeline, no pressure.
How to Winterize Your Home in 1 Weekend
Simple steps to protect your home, save money, and stay warm all winter
Winter can be tough on your home — from frozen pipes and high energy bills to drafty rooms and safety hazards. The good news? Most winterizing tasks can be completed in just one weekend with minimal cost and effort.
Here’s a simple, step-by-step plan to help you protect your home and prepare for the colder months ahead.
✅ Step 1: Seal Drafts and Stop Heat Loss
Walk around your home and check for cold air coming in around windows, doors, and garages. Drafts can increase your heating bill significantly.
- Apply weather stripping around doors and windows
- Use caulk to seal visible gaps and cracks
- Install draft stoppers (or rolled towels) at door bottoms
- Close fireplace dampers when not in use
✅ Step 2: Protect Your Pipes
Frozen pipes are one of the most expensive winter problems. Spend time insulating and securing them now to avoid costly repairs later.
- Wrap exposed pipes in foam pipe insulation
- Disconnect garden hoses and shut off exterior spigots
- Open cabinet doors under sinks to let warm air circulate
✅ Step 3: Service Your Heating System
Make sure your furnace or heating system is running efficiently to keep your home warm and lower your monthly bills.
- Replace furnace filters
- Schedule a professional inspection if needed
- Test your thermostat and consider a programmable one
✅ Step 4: Check Safety Essentials
Winter increases the risk of fires and carbon monoxide issues. Take time to review your safety devices.
- Test smoke detectors and carbon monoxide alarms
- Replace batteries if needed
- Keep space heaters away from flammable materials
✅ Step 5: Prep the Exterior of Your Home
Outdoor preparation is just as important as indoor protection.
- Clean gutters to prevent ice dams
- Trim branches near your roof or power lines
- Store outdoor furniture and tools
- Lay down salt or sand in walkways and driveways
✅ Step 6: Stock Up on Winter Essentials
Make sure you're ready for storms and power outages.
- Flashlights and extra batteries
- Blankets and warm clothing
- Snow shovels and ice melt
- Emergency food and water supplies
Why Winterizing Matters
Winterizing your home is not just about comfort — it's about protection and value. Proper maintenance can help prevent thousands of dollars in damage, extend the life of your home's systems, and even increase its resale appeal.
Whether you're planning to stay put this winter or preparing your home for a future sale, smart seasonal care always pays off.
We're on Your Path. Your Timeline. No Pressure.
Thinking about selling, buying, or making changes to your home this season? Our team is ready to guide you every step of the way — whenever you're ready.
Contact Pathways Home Group today to get started.
Holiday Decorations Without the Fire Risk
Safe lighting, extension cord rules, and smart tree placement
Holiday decorations bring warmth, joy, and personality to a home — but they also come with increased fire risk if safety is overlooked. According to fire safety experts, December is one of the highest months for home fires, often linked to lights, candles, extension cords, and Christmas trees.
The good news? You don't have to sacrifice holiday cheer to keep your home safe. With a few smart precautions, you can decorate confidently and enjoy the season worry-free.
Here's how to decorate for the holidays without the fire risk.
🎄 Choose the Right Lights (And Use Them Correctly)
Holiday lights are often the biggest culprit when it comes to seasonal hazards.
What to do:
- Use LED lights whenever possible — they produce less heat and use less energy
- Check all light strands for frayed wires, broken bulbs, or loose connections
- Use indoor lights indoors and outdoor-rated lights outside
- Turn off all holiday lights before going to bed or leaving the house
A simple rule: if the lights feel hot to the touch, they're not safe.
🔌 Follow Extension Cord Safety Rules
Overloaded outlets and tangled cords are a common fire starter during the holidays.
Best practices:
- Never plug multiple extension cords into each other
- Avoid running cords under rugs, furniture, or doorways
- Use power strips with built-in surge protection
- Keep cords away from heat sources and walkways
If you find yourself needing more outlets than your space safely allows, it's a sign to scale back decorations or rethink placement.
🌲 Be Smart About Tree Placement
Whether your tree is real or artificial, placement matters more than most people realize.
For real trees:
- Keep the tree well-watered — dry trees ignite quickly
- Check needles daily; excessive shedding means it's drying out
- Never place a tree near fireplaces, radiators, or heat vents
For artificial trees:
- Choose one labeled fire-resistant
- Keep it clear of candles and heat sources
No matter the type, always secure the tree to prevent tipping — especially in homes with kids or pets.
🕯️ Use Candles Carefully (Or Skip Them)
Candles create ambiance, but they also require constant attention.
Safety tips:
- Never leave candles unattended
- Keep them away from curtains, décor, and greenery
- Place candles on stable, heat-resistant surfaces
For peace of mind, consider battery-powered or LED candles — they offer the same glow without the risk.
🚫 Keep Décor Away From Heat Sources
Holiday décor can be highly flammable, especially items like garlands, stockings, wrapping paper, and artificial greenery.
Make sure decorations are kept clear of:
- Fireplaces
- Space heaters
- Radiators
- Kitchen stovetops
If it can catch fire easily, it shouldn't be near heat.
🔥 Double-Check Safety Devices
Before the season gets into full swing, take a few minutes to check your home's safety essentials.
- Test smoke detectors and carbon monoxide alarms
- Replace batteries if needed
- Make sure fire extinguishers are accessible and up to date
These small steps can make a big difference in an emergency.
Why Holiday Safety Matters for Homeowners
Protecting your home during the holidays isn't just about safety — it's about protecting your investment. Fire damage can be devastating, costly, and disruptive, especially during the winter months.
Whether you're hosting guests, decorating to sell, or simply enjoying the season at home, smart decorating keeps everyone safe and stress-free.
We're Here When You're Ready
Thinking about making changes to your home, selling in the new year, or planning your next move? Seasonal upkeep and safety are just part of the bigger picture.
We're on Your Path. Your Timeline. No Pressure.
When you're ready, Pathways Home Group is here to help you every step of the way.
How to Deal With Ice Dams (And Prevent Them for Good)
What they are, why they're dangerous, and what homeowners should do—especially in winter climates like Minnesota
Ice dams are one of the most common (and costly) winter home problems. They may look harmless, but ice dams can cause roof leaks, interior water damage, mold, and even structural issues if left unchecked.
The good news? Understanding how ice dams form—and how to deal with them—can save you thousands in repairs.
❄️ What Is an Ice Dam?
An ice dam forms when snow on your roof melts, runs down toward the edge, and refreezes. Over time, this creates a thick ridge of ice along the eaves.
As more snow melts, water backs up behind the ice dam and can seep under shingles and into your home, causing damage to ceilings, walls, insulation, and framing.
🧊 Why Ice Dams Form
Ice dams are usually caused by uneven roof temperatures, not just cold weather.
Common causes include:
- Heat escaping from the attic
- Poor or uneven insulation
- Inadequate attic ventilation
- Heavy snow buildup followed by melting
When the upper part of the roof is warm and the edges are cold, ice dams are likely to form.
🚨 Why Ice Dams Are a Big Problem
Ice dams can lead to:
- Roof leaks and water stains on ceilings
- Mold growth inside walls and insulation
- Damaged shingles and roof decking
- Gutters pulling away from the house
- Costly repairs that insurance may not fully cover
They're not just a nuisance—they're a real threat to your home's value and safety.
🛠️ What to Do If You Already Have Ice Dams
If ice dams have already formed, act carefully.
DO:
- Use a roof rake to remove snow from the edge of the roof (from the ground)
- Create drainage channels using calcium chloride ice melt (never rock salt)
- Call a professional if water is entering your home
DON'T:
- Chip ice with a hammer or shovel (this can damage shingles)
- Climb onto icy roofs
- Use salt, which can corrode metal and harm landscaping
🏠 How to Prevent Ice Dams Long-Term
Prevention is the best (and cheapest) solution.
1. Improve Attic Insulation
Proper insulation keeps heat inside your home—not escaping through the roof.
- Insulate attic floors evenly
- Seal gaps around vents, chimneys, and light fixtures
2. Upgrade Attic Ventilation
Good airflow keeps roof temperatures consistent.
- Ensure soffit and ridge vents are clear
- Consider adding ventilation if your attic runs warm
3. Remove Snow Promptly
After heavy snowfall:
- Use a roof rake to remove the first 3–4 feet of snow
- Focus on roof edges and valleys
4. Keep Gutters Clear
Clogged gutters worsen ice buildup.
- Clean gutters before winter
- Ensure downspouts direct water away from the home
5. Consider Professional Solutions
In severe cases:
- Heated roof cables (installed correctly)
- Professional ice dam removal services
- Energy audits to identify heat loss issues
💡 Why Ice Dam Prevention Matters for Homeowners & Sellers
Ice dams don't just damage homes—they can hurt resale value.
Buyers notice:
- Water stains
- Roof damage
- Signs of poor insulation or ventilation
Addressing ice dam issues early protects your investment and shows buyers your home has been well maintained.
🏡 Final Thoughts
Ice dams are a winter warning sign—not just a weather problem. They usually mean your home is losing heat where it shouldn't.
Whether you're staying put this winter or thinking about selling in the future, taking steps now can prevent major headaches later.
We're on Your Path. Your Timeline. No Pressure.
If you have questions about winter home maintenance, preparing your home for sale, or understanding what buyers look for in cold-weather climates, Pathways Home Group is here to help—whenever you're ready.
Winter Home Maintenance Checklist You'll Be Glad You Did
Small tasks now can prevent big, expensive problems later.
Winter puts extra stress on your home, but a little preventative care can go a long way. Here are a few simple winter maintenance checks every homeowner should stay on top of:
❄️ Check Attic Insulation & Ventilation
Proper insulation helps prevent heat loss, ice dams, and uneven temperatures throughout your home.
🔥 Inspect Fireplaces & Chimneys
Make sure vents are clear and ashes are removed to reduce fire risks and improve air quality.
🚪 Test Doors, Locks & Garage Seals
Cold weather can cause swelling or misalignment—fixing it early keeps heat inside and drafts out.
💧 Monitor Humidity Levels
Dry winter air can damage wood floors and furniture. A humidifier can improve comfort and protect finishes.
🧯 Review Emergency Readiness
Make sure fire extinguishers are accessible, batteries are fresh, and emergency supplies are stocked.
Taking care of these small details helps protect your home's value, improves comfort, and keeps winter stress-free.
👉 Read more seasonal home tips & tricks here:
https://pathwayshomegroup.com/real-estate-tips--tricks
We're on Your Path. Your Timeline. No Pressure.
Thinking about winterizing your home, planning seasonal maintenance, or preparing for a sale? Our team is ready to guide you through every step—whenever you're ready.
Contact Pathways Home Group today to get started.
More Homeowner Tips
Springtime Bugs Invading Your Home? Here's How to Keep Them Out & Get Rid of Them!
As the weather warms up, flowers bloom, and days get longer, one not-so-welcome guest also makes an appearance—springtime bugs! From ants and flies to stink bugs and mosquitoes, these tiny invaders can quickly become a nuisance. But don't worry—we've got you covered with simple prevention tips and effective solutions to keep your home bug-free this season!
How to Prevent Spring Bugs from Entering Your Home
Seal Up Entry Points
Inspect windows, doors, and vents for gaps or cracks. Use caulk or weather stripping to keep bugs from sneaking in.
Keep Screens Intact
Check window and door screens for holes and replace or repair any damage.
Eliminate Standing Water
Mosquitoes breed in standing water. Empty flowerpot saucers, unclog gutters, and keep birdbaths clean.
Clean Up Crumbs & Spills
Bugs are attracted to food. Wipe down counters, sweep floors, and store pantry items in airtight containers.
Use Natural Repellents
Citronella, peppermint oil, and vinegar sprays can help keep bugs like ants and flies at bay.
How to Get Rid of Bugs If They've Already Invaded
Ants
Find their entry point and seal it off. Use a mix of vinegar and water to wipe down surfaces and disrupt their scent trails.
Mosquitoes
Use indoor-safe traps, fans, and essential oil diffusers with citronella or eucalyptus to repel them.
Flies
Keep trash bins sealed and use sticky fly traps or a homemade apple cider vinegar trap to catch them.
Stink Bugs
Avoid crushing them! Instead, vacuum them up and empty the vacuum outside.
Springtime is a season of renewal—don't let bugs take over your home! With these tips, you can enjoy a comfortable, pest-free space all season long.
Need more homeowner tips? Stay tuned for more Pathways Home Group insights!
#SpringHomeTips #RealEstateTips&Tricks #BugFreeLiving #HomeMaintenance
🏡 Boost Your Curb Appeal: 8 Easy Ways to Make Buyers Fall in Love at First Sight
First impressions are everything—especially in real estate. A home's exterior is the first thing buyers see, and good curb appeal can add perceived value, emotional appeal, and get you offers earlier. Even if you're not putting your home on the market anytime soon, these simple updates can give your property a boost.
🌿 1. Freshen Up Landscaping
Trim hedges, cut the grass, and plant seasonal flowers like tulips or marigolds. Or even planters of flowers on the porch will provide charm and color.
Pro Tip: Edging your lawn makes your yard look professionally groomed.
🚪 2. Paint or Replace the Front Door
Your front door takes center stage. A rich, bold color (like navy blue, red, or classic black) can render your home attractive, welcoming.
Bonus: Add a finishing touch with new house numbers or a new doormat.
💡 3. Refresh Outdoor Lighting
Make sure all lights are working and stylistically uniform. Consider motion-sensitive lights or soft pathway lights to create a warm nighttime glow.
🧼 4. Power Wash Everything
Driveways, sidewalks, siding, porches, and even fences build up grime. A power wash can get them shining like new and give your home's exterior an instant boost.
🪟 5. Clean Windows—Inside & Out
Windows sparkling like diamonds let more light in and help the home sparkle from the outside. Don't forget screens!
🚗 6. Declutter the Driveway
Remove unnecessary vehicles, trash cans, and equipment. A clean, open driveway has buyers focusing on your home—not your stuff.
🌱 7. Add Mulch and Edge Flower Beds
Mulch defines flower beds and creates contrast and definition. Choose a deep brown or black to really make your greenery pop.
🪑 8. Add Porch Personality
Add welcoming elements such as a few chairs, a seasonal wreath, or hanging plants to make the entrance feel welcoming.
✨ Final Thought
Buyers determine how they feel about a house in the first 7 seconds. Make those seconds work in your favor with these low-cost, high-impact curb appeal improvements.
Want a custom assessment of your home's curb appeal?
Pathways Home Group is here to assist! Let's make your house the one they can't stop thinking about. #RealEstateTips&Tricks
🛠️ 5 Quick Home Maintenance Tips Every Homeowner Should Know
Owning a home is exciting—but it also comes with a fair share of responsibility. Staying on top of basic maintenance can save you thousands in repairs and keep your home running smoothly year-round. Here are five essential tips every homeowner should know:
1. Change HVAC Filters Regularly
Your heating and cooling system works hard year-round. Changing the filters every 1–3 months keeps the air clean and helps the system work efficiently—saving you money on energy bills.
2. Clean Your Gutters
Clogged gutters can cause water damage to your roof and foundation. Clean them at least twice a year—more often if you have trees nearby.
3. Test Smoke & Carbon Monoxide Detectors
These devices can save lives. Test them monthly and replace batteries at least once a year. Replace the units entirely every 7–10 years.
4. Check for Water Leaks
A small drip can become a major problem. Regularly inspect under sinks, behind toilets, and around appliances. Catching a leak early can prevent costly damage.
5. Seal Drafty Windows & Doors
Feel a breeze? Weather stripping and caulking are inexpensive fixes that keep your home comfortable and energy efficient—especially in extreme seasons.
#RealEstateTips&Tricks
🛠️ Homeowner Tip: Don't Fall for the "High-Performance" HVAC Filter Trap!
When it comes to replacing your HVAC filter, more expensive doesn't always mean better.
We recently saw someone spend $24.47 on a two-pack of high-performance filters (rated FPR 7) hoping to get cleaner air. Sounds like a smart move, right? Not so fast.
❗ The Problem with High-Rated Filters:
- Restricted airflow through your HVAC system
- Higher energy bills 💸
- Potential damage to your HVAC system 😰
- Shortened system lifespan ⚠️
✅ The Better Move:
For most homeowners, a basic FPR 5 filter will do the job just fine — and for much less!
You could get two for around $13, keeping your system running efficiently and your wallet happier.
💡 Want Cleaner Air?
If clean air is your top priority, consider investing in an independent air purification system instead of relying solely on your HVAC unit.
📞 Have questions about maintaining or upgrading your home before selling?
Call Pathways Home Group at 651-615-3445 —
We're on your Path. Your Timeline. No Pressure.
💡 Energy Efficiency Tips to Save Money Year-Round
Want to lower your utility bills and reduce your carbon footprint? Making your home more energy-efficient doesn't have to mean expensive upgrades—small changes can go a long way! Here's how to keep your home comfortable and your wallet happy in every season.
🧰 Easy DIY Upgrades
Seal Air Leaks:
Use caulk or weatherstripping to seal gaps around windows, doors, and baseboards. Drafty rooms are harder (and pricier) to heat and cool!
Upgrade to LED Bulbs:
Switching to LED lighting can save up to 75% more energy than traditional bulbs—and they last much longer.
Install a Programmable Thermostat:
Set it to lower the temp while you're away and warm things up before you return. Smart thermostats can cut energy bills by 10-15%.
🏠 Smart Seasonal Habits
Winter:
Open curtains during the day to let sunlight naturally heat your home. Close them at night to trap warmth inside.
Summer:
Use ceiling fans and close blinds during the hottest parts of the day. Fans use less energy than air conditioning and help circulate cool air.
All Year:
Unplug electronics and chargers when not in use. Even when turned off, many devices draw "phantom energy."
🔧 Consider These Upgrades
- Insulate your attic and walls to reduce heat loss
- Install low-flow showerheads and faucets to save water and energy
- Upgrade to ENERGY STAR® appliances when replacing old ones
Energy efficiency isn't just a trend—it's a smart move for homeowners looking to save money and increase comfort. Whether you're planning a few weekend fixes or long-term upgrades, every change counts!
#EnergySavingTips #HomeEfficiency #SustainableLiving #RealEstateTips
🛋️ Ever Wondered if Staging Works or Not—and Why It's So Important When Selling Your Home?
When it comes to selling your home, first impressions aren't just important—they're everything. Buyers typically form an opinion within the first few seconds of walking through the door (or scrolling through listing photos). That's where home staging comes in—and yes, it really works.
🎯 1. Staging Helps Buyers Visualize Themselves in the Home
83% of buyers' agents said staging a home made it easier for their clients to visualize the property as a future home.
🪑 2. The Living Room Is the #1 Must-Stage Space
Buyers' agents ranked the most important rooms to stage:
- 🛋️ Living Room – 37%
- 🛏️ Primary Bedroom – 34%
- 🍽️ Kitchen – 23%
Tip: Start with these key areas to make the biggest impression.
📷 3. High-Quality Photos & Media Make a Huge Impact
Among buyers' agents:
- 📸 73% said photos were important
- 🛋️ 57% said physical staging mattered
- 📹 48% valued videos
- 🌐 43% emphasized virtual tours
💰 4. Staging Can Increase Your Home's Value
17% of buyers' agents said that staging increased offers by 1–5% compared to similar unstaged homes.
💡 Pro Tips for Successful Staging
- 🧹 Declutter & Depersonalize – Keep it clean and neutral.
- 💡 Maximize Natural Light – Use bright, warm lighting.
- 🪑 Define Each Space – Show off the function of each room.
- 🎨 Use Neutral Tones – Appeal to all buyer types.
- 🌿 Don't Forget Curb Appeal – Tidy yards and fresh entryways matter.
🏡 Need Help With Staging?
At Pathways Home Group, we partner with expert stagers, photographers, and marketing professionals to help your home look its best—and sell for more. Whether you want to stage it yourself or hire a pro, we're here to guide you—on your path, your timeline, no pressure.
📲 Let's Get Your Home Market-Ready
If you're ready to list and want to stand out in today's market, get in touch with us. We're here to help you sell smarter, faster, and for more.
📊 Source: NAR 2023 Profile of Home Staging
🌱 Lawn Care 101: Tips for a Healthier, Greener Yard
A well-maintained lawn can boost your home's curb appeal and provide a welcoming space for relaxing or entertaining. Here's how to get your lawn looking lush and green—without spending a fortune or wasting water.
📅 Mow Smarter, Not Harder
Set your mower blades high. Taller grass shades the soil, retains moisture, and crowds out weeds. Aim to cut only the top third of the grass blade each time you mow.
💧 Water Deeply and Infrequently
Instead of frequent shallow watering, give your lawn a deep soak once or twice a week. Early morning is the best time to water to prevent disease and evaporation.
🧪 Test Your Soil
A soil test helps you understand pH and nutrient levels. Based on the results, you can apply the right fertilizer and amendments for optimal grass growth.
🍃 Feed Your Lawn
Use a slow-release fertilizer in the spring and fall. Too much nitrogen can burn your lawn and encourage fast, weak growth—go easy!
🌾 Overseed Bare Spots
Patchy lawn? Sprinkle grass seed over thin or bald areas in the early fall or spring. Keep it moist until the new grass establishes.
🚫 Weed Without Harm
Pull weeds by hand or use a targeted natural herbicide. Avoid harsh chemicals, especially if you have kids or pets playing outside.
A lush lawn doesn't have to be high-maintenance. With just a few mindful steps, your yard can become the envy of the neighborhood!
#LawnCareTips #CurbAppeal #HomeownerAdvice
🔍 The Truth About Home Inspections (and What Really Matters)
When I bought my home, I knew the HVAC system was old enough to vote. It worked, it passed inspection, and it kept the house cool—but I also knew it wouldn't last forever. So, I planned ahead, saved, and sure enough... three years later, I replaced it. No sweat.
Why did I still move forward with the purchase?
Because that house had a *brand-new roof*, and in my price range, with the location and layout I wanted? That was a win worth taking.
🏡 Here's What Many Buyers Miss
Every home will have something—especially on an inspection report. That doesn't mean it's a dealbreaker. It means it's a home.
- Settlement cracks in the drywall? Totally normal.
- Scuffed baseboards? Common wear and tear.
- Squeaky floorboards? Call it character!
Even *brand-new homes* have inspection reports that look intense. But remember: homes are man-made and lived in. Nothing is truly flawless—and that's okay.
🛠 Inspections Are Tools, Not Dealbreakers
If your inspector handed you a blank report, you'd probably feel like you wasted your money. Their job is to nitpick—to show you the full picture so you can make an informed decision.
Your job? Know the difference between what's fixable and what's fatal.
- Fixable: Worn weatherstripping, squeaky doors, minor leaks.
- Fatal: Major foundation issues, structural damage, significant water intrusion.
📈 Real Talk: Imperfect Homes Build Real Wealth
I replaced my HVAC, yes—but I also built nearly $100,000 in equity while living there. A few maintenance bills in exchange for six figures of growth? Worth it.
So if the home fits your life, your goals, and your long-term plans, don't walk away over the small stuff. Perfect homes don't exist. But smart decisions do.
#HomeBuyingTips #HomeInspectionTruths #RealEstateWisdom #WealthThroughRealEstate
Interest Rates Explained
Interest rates determine how much you pay when you borrow money, and they play a big role in your mortgage payments. Understanding them helps you make better financial decisions when buying or refinancing your home.
Fixed vs Adjustable Rates
Fixed rates stay the same over time, while adjustable rates can change based on market trends. Fixed rates offer stability, but adjustable ones can start lower.
How to Get Better Rates
- Improve your credit score
- Make a larger down payment
- Compare lenders
Work with your lender to explore all available options and find a plan that fits your long-term goals.
PaulaTics: Real Estate Tips & Tricks
🛋️ Ever Wondered if Staging Works or Not—And Why It's So Important When Selling Your Home?
When it comes to selling your home, first impressions aren't just important—they're everything. Buyers typically form an opinion within the first few seconds of walking through the door (or scrolling through listing photos). That's where home staging comes in—and yes, it really works. These Minnesota real estate tips & tricks can help you maximize your home's appeal.
🎯 1. Staging Helps Buyers Visualize Themselves in the Home
83% of buyers' agents said staging a home made it easier for their clients to visualize the property as a future home. This is one of the most valuable real estate tricks for Minnesota sellers.
🪑 2. The Living Room Is the #1 Must-Stage Space
Buyers' agents ranked the most important rooms to stage:
- 🛋️ Living Room – 37%
- 🛏️ Primary Bedroom – 34%
- 🍽️ Kitchen – 23%
Tip: Start with these key areas to make the biggest impression with these Minnesota real estate tricks.
📷 3. High-Quality Photos & Media Make a Huge Impact
Among buyers' agents:
- 📸 73% said photos were important
- 🛋️ 57% said physical staging mattered
- 📹 48% valued videos
- 🌐 43% emphasized virtual tours
💰 4. Staging Can Increase Your Home's Value
17% of buyers' agents said that staging increased offers by 1–5% compared to similar unstaged homes — a key Minnesota real estate tip for sellers.
💡 Pro Tips for Successful Staging
- 🧹 Declutter & Depersonalize – Keep it clean and neutral
- 💡 Maximize Natural Light – Use bright, warm lighting
- 🪑 Define Each Space – Show off the function of each room
- 🎨 Use Neutral Tones – Appeal to all buyer types
- 🌿 Don't Forget Curb Appeal – Tidy yards and fresh entryways matter
🏡 Need Help With Staging?
At Pathways Home Group, we partner with expert stagers, photographers, and marketing professionals to help your home look its best—and sell for more. Whether you want to stage it yourself or hire a pro, we're here to guide you with Minnesota real estate tips & tricks—on your path, your timeline, no pressure.
📲 Let's Get Your Home Market-Ready
If you're ready to list and want to stand out in today's market, get in touch with us. We're here to help you sell smarter, faster, and for more with our Minnesota real estate expertise.
#Minnesota Real Estate Tips & Tricks for Buyers & Sellers
#MN Real Estate Tips: Home Staging, Buying & Selling Advice
📊 Source: NAR 2023 Profile of Home Staging