
Minnesota Real Estate Show
146 episodes — Page 2 of 3

Why Buyers Should Not Wait to Get into the Market, Investment Tips in a Volatile Market, A New Way to Plan a Remodel
There does not seem to be any indication that interest rates will be coming down soon but it does not mean buyers should wait to get into the market. Home financing tips in a volatile market. How much money should be set aside for retirement? We learn about the PM Network and how they could help if you’re planning to remodel your home. Any questions ask Ryan O'Neil and Scott Wollmering of Re/Max Advantage Plus. You can reach them at 612-294-6949 and call Mike Ouverson with Luminate Home Loans at 612-202-8321 as well as Adam Hartung of Midwest Money Management you can contact him at 952-895-1055. Learn more about the PM Network at https://www.yourpmnetwork.com/.

How to Handle an Overpriced Home, Why an Agent Would Underprice a Home, Divorce and Real Estate
The average cost for a home continues to rise. Rent is also getting higher which can impact savings for hopeful homebuyers. Multiple offers are still being seen in this market. How to handle an overpriced home. What if an agent underprices a home? Digging into divorce and real estate. Why the insurance industry is facing challenges at the moment. Confirm what your homeowners insurance covers. Support the O’Neill Foundation of Hope at oneillhope.org. Any questions ask Ryan O'Neil and Scott Wollmering of Re/Max Advantage Plus. You can reach them at 612-294-6949 and call Mike Ouverson with Luminate Home Loans at 612-202-8321 as well as Brad Sanford from Farmers Insurance at 651-690-2076.

Divorce and Real Estate, The Biggest Misconceptions About Money and Divorce, Do a Spring Checkup on Your House
How divorce in a marriage can impact real estate and the buying and selling process for homeowners. 61% of all divorces create a home sale. How does divorce impact your loan and other finances tied up in a home? Some worst case scenarios when sorting out your home after a divorce. It is deck safety month and we learn about what to look out for to make sure your deck is up to code. As we enter the rainy months in Minnesota, what should be inspected around the house to avoid issues? What to know about skylight leaks. Dryer vent maintenance. Any questions ask Ryan O'Neil and Scott Wollmering of Re/Max Advantage Plus. You can reach them at 612-294-6949 and call Mike Ouverson with Luminate Home Loans at 612-202-8321 as well as Reuben Saltzman from Structure Tech Home Inspections at 952 915-6466.

Reviewing HOA Documents, What to Know When Subdividing a Lot, How a Short Sale Can Help a Homeowner
What is causing more activity in the current real estate market? Do all condos allow pets? Why it's important to review an HOA agreement before committing to a home. How to find the right realtor to fit your needs. What to consider when subdividing a lot. How does a death in a home impact its value? What is a short sale? Why real estate is like a marathon. Advice for hopeful homebuyers who cannot afford a home at the moment. Any questions ask Ryan O'Neil and Scott Wollmering of Re/Max Advantage Plus. You can reach them at 612-294-6949 and call Mike Ouverson with Luminate Home Loans at 612-202-8321.

The Spring Market is in Full Swing, Navigating the Home Appraisal Process, Home Inspection Stories
A better economy does not translate to lower interest rates or lower home prices. The impact a global economy has on interest rates in The United States. What to know when getting your home appraised. Is it possible for a home title to be stolen? Is title insurance worth it? The perks of a home inspection. How to approach a multiple offer situation? Any questions ask Ryan O'Neil and Scott Wollmering of Re/Max Advantage Plus. You can reach them at 612-294-6949 and call Mike Ouverson with Luminate Home Loans at 612-202-8321. And call Steve Stalock of WIN Home Inspections - contact him at 952-891-4455.

Adjusting to Low Inventory and Tariffs, Home Projects That Maximize Resale Value, Fixing and Flipping Tips
The market continues to see historically low inventory and is causing issues with mortgage rates. Maximizing the resale value when remodeling a bathroom. What home projects get the biggest return value for resale? Can fixing and flipping a home be done in the current housing market? What does “sleeving” mean in real estate terms? Learn more about The O'Neill Foundation of Hope at oneillhope.org. Any questions ask Ryan O'Neil and Scott Wollmering of Re/Max Advantage Plus.

Impact of Tariffs and a Falling Stock Market on Housing, Entering a Multiple Offer Market, Setting up an Open House
We are entering a multiple offer market again. The causes behind it and how to best position yourself as a buyer and seller. How tariffs could impact the housing market. What does the drop in the stock market mean for financial planning? What to know before setting up an open house? Any questions ask Ryan O'Neil and Scott Wollmering of Re/Max Advantage Plus. You can reach them at 612-294-6949 and call Mike Ouverson with Luminate Home Loans at 612-202-8321.

The Number One Tip for Credit, Insurance Rates are Still Rising, The Basics of a 1031 Exchange
Looking into what is causing the sudden surge in the housing market. Why insurance rates continue to rise. Scott has a buyer that is looking for a parking lot for the first time. What are people looking for when buying an investment property? There is still not as much selling going on in the market. How to improve your credit score if you’re looking to buy a home. Tips for buying a condo. Do high end appliances make a difference in resale value? What to know about about a 1031 exchange. There is new flexibility for sellers. Any questions ask Ryan O'Neil and Scott Wollmering of Re/Max Advantage Plus. You can reach them at 612-294-6949 and call Brad Sanford from Farmers Insurance at 651-690-2076.

The Rising Price of a New Home in the Twin Cities, Contingent Offer Options, Inspecting New Construction Homes
The new median price for a new construction home in the Twin Cities hits a new high. The market is becoming more competitive. What is a contingent offer and when it should be considered? Why are permits necessary for remodeling? Does new construction need a home inspection? How to get more life out of your water heater. Any questions ask Ryan O'Neil and Scott Wollmering of Re/Max Advantage Plus. You can reach them at 612-294-6949 and call Mike Ouverson with Luminate Home Loans at 612-202-8321 as well as Reuben Saltzman from Structure Tech Home Inspections at 952 915-6466.

New Construction VS. Previously Built Homes, Doing a Market Analysis, Why Highway Access Matters
There is pressure everywhere on the market if you’re a buyer or seller. Interest rates continue to be stubborn. Predicting where the rates may go this year. Doing a market analysis on a prospective home. What to know when considering a new construction home versus a previously built home. The importance of highway access. The differences in land value. Any questions ask Ryan O'Neil and Scott Wollmering of Re/Max Advantage Plus. You can reach them at 612-294-6949 And call Mike Ouverson with Luminate Home Loans at 612-202-8321.

The Spring Market is Here!
It is that time of year where the spring market has arrived - we dive right into that. We go over some of the pros and cons of co-ops! Mike Ouverson has the latest on rates having a slow but steady decline. Also Connor Thielfoldt with Midwest Money Management joins as this past week hit some bumps in the road with the market! We provide some of the latest featured listings and also provide everyone with an update on the market! If you have questions regarding your home buying or selling process or have other real estate questions contact Ryan O'Neil and Scott Wollmering with Re/Max Advantage Plus you can reach them at 612-294-6949 and also you can reach Mike Ouverson with Luminate Bank you can visit goluminate.com or call 952-698-3300. You can also reach the Minnesota Real Estate team at 612-294-6949 or visit MNRealEstateShow.com

An Interest Rate Prediction, Commission Questions, Checking Your Smoke and Carbon Monoxide Alarms
An economist predicts interest rates will be around 2 percent this year. What decisions would you make if that turned out to be true? The volume of homes on the market continues to be low. Over priced homes are sitting on the market longer than before. What to know about paying commissions. What to look for when checking your smoke and carbon monoxide detectors for reliability. What to do with all the stuff in your house? Any questions ask Ryan O'Neil and Scott Wollmering of Re/Max Advantage Plus. You can reach them at 612-294-6949. And call Steve Stalock of WIN Home Inspections - contact him at 952-891-4455.

Riding the ups and downs of interest rates, knowing your loans and more!
We begin the show with the latest on the market including some struggles with interest rates this past week! Mike also shares the latest exciting news with Luminate Bank. We tackle some questions and concerns when it comes to home loans, the pros and cons of contracts for deeds and give some of the top listings currently on the market! If you have questions regarding the value of your home, being a first time home buyer and everything in between you can reach the Minnesota Real Estate team whether it is Ryan O’Neill and Scott Wollmering with Re/Max Advantage Plus you can call at 612-294-6949 or if you have questions regarding a loan you can talk to Mike Ouverson with Luminate Bank visit goluminate.com or call 952-698-3300.

How Interest Rates Could Come Down, Wildfires Impact on Insurance Rates, Selling Your Home As Is
What will help bring interest rates down? How the fires in California could impact insurance rates in Minnesota. Tips on saving money on your insurance. What does it mean to be self insured? What to know if you’re thinking about selling your home as is? Reviewing the Super Bowl halftime show. Any questions ask Ryan O'Neil and Scott Wollmering of Re/Max Advantage Plus. You can reach them at 612-294-6949. And call Mike Ouverson with Luminate Home Loans at 612-202-8321 as well as Brad Sanford from Farmers Insurance at 651-690-2076.

Low Inventory Persists, Impact of Commission Change, Benefits of a VA Loan
Inventory remains very low in the Minnesota housing market but it remains a good time to be a seller. The impact on the market after the real estate commission rule change. What to know about VA loans. Super Bowl predictions and market predictions. Any questions ask Ryan O'Neil and Scott Wollmering of Re/Max Advantage Plus. You can reach them at 612-294-6949.

Leveling Interest Rates, Spring Market Outlook, Staying Competitive in This Market
Will interest rates level off in 2025? What is the outlook of the upcoming Spring market? Will inventory go up soon? How a seller can stay competitive in the market. Mike has a program that can help sellers. Listings are up in other states, why not in Minnesota? Any questions ask Ryan O'Neil and Scott Wollmering of Re/Max Advantage Plus. You can reach them at 612-294-6949. And call Mike Ouverson with Luminate Home Loans at 612-202-8321

Home Inventory Issues, It is a Great Time to be a Seller, Investment Properties
Interest rates take a small dip this week. Inventory continues to be light. It is one of the best times to be a seller in today's market. What to know about asking a seller to pay the closing costs. What does the cabin market look like right now? What to know about investment properties. Any questions ask Ryan O'Neil and Scott Wollmering of Re/Max Advantage Plus. You can reach them at 612-294-6949.

What Makes a Good Realtor, Homes Prices Keep Going Up, Finding Good Customer Service
The Minnesota Real Estate Holiday party was a success. How to know when you found a good realtor. New listings are down significantly in the Twin Cities this week. Interest rates are staying high and buyers may have to get used to it. Perks of getting a job into the trades. Remember communication is critical in real estate. Any questions ask Ryan O'Neil and Scott Wollmering of Re/Max Advantage Plus. You can reach them at 612-294-6949. And call Steve Grohn from Standard Water 651-955-9240

Interest Rates Could Get Higher, Beating the Spring Buying Season, Pros and Cons of a New Construction Home
Realtor Jennifer Tischleder and Corey Schmiedeberg from Midwest Money Management join the show. Interest rates continue to go up and we expect they could go higher this year. Buyers are struggling with inventory on the market. It is still a good time to buy a home ahead of the spring buying season. What could the deal breakers be with your home if you waive an inspection. What to know if you are considering buying a new construction home. Any questions ask Ryan O'Neil and Scott Wollmering of Re/Max Advantage Plus. You can reach them at 612-294-6949.

Cities Where the Housing Market is Booming, Looking at Homes out of State, Average Age of First Time Home Buyer
Where are the hot cities that keep growing in Minnesota? Looking out of state for a home. What to consider when browsing home in a new area. How important is an owner's policy for a rental home? What is the average age for a first time homebuyer? Debt to income ratio factors that are delaying first time home buyers. A little football talk. Insurance companies expect you to take care of your home. Any questions ask Ryan O'Neil and Scott Wollmering of Re/Max Advantage Plus. You can reach them at 612-294-6949. And Mike Ouverson with Luminate Home Loans at 612-202-8321 as well as Brad Sanford from Farmers Insurance at 651-690-2076

Recapping the Year in Real Estate, Committing to Home Inspections, What Interest Rates Could Look Like in 2025
Thanks to everyone who came to Ryan’s concert! Recapping the year for the housing industry and looking forward to 2025. Interest rates do not need to come down to buy a home. What to know before committing to a home inspection. Disclosing what may be wrong with your property. What will interests look like next year? Any questions ask Ryan O'Neil and Scott Wollmering of Re/Max Advantage Plus. You can reach them at 612-294-6949. And Mike Ouverson with Luminate Home Loans at 612-202-8321 as well as Reuben Saltzman from Structure Tech Home Inspections at 952 915-6466.

The Fed Lowered Rates Again, Right Now is Still a Great Time to Buy, What to Know About Radon
The federal reserve announced they will be lowering interest rates and will dial back the amount of cuts next year. Will this impact the housing market? Right now is still a great time to buy a home. What will the spring market look like? The housing supply needs to get better for prices to come down. The importance of maintaining a basement in your home. Is radon mitigation right for your home? Any questions ask Ryan O'Neil and Scott Wollmering of Re/Max Advantage Plus. You can reach them at 612-294-6949. And call Steve Grohn from Standard Water 651-955-9240 as well as Agent Rodolfo Trujillo at 612 384-7493 and Mike Ouverson with Luminate Home Loans at 612-202-8321.

Stubborn Interest Rates, The Time to Buy, Market Predictions for 2025
Dealing with stubborn interest rates. How could they come down? What makes it a balanced market in the Twin Cities? Why now is a good time to buy a home. Disclosing issues with a house. Real estate predictions for 2025. How home appreciation works. The changing entry level home price. Why routine maintenance can go a long way. Investment property tips. Any questions ask Ryan O'Neil and Scott Wollmering of Re/Max Advantage Plus. You can reach them at 612-294-6949. And call Steve Stalock of WIN Home Inspections - contact him at 952-891-4455 or email at [email protected]. mnrealestateshow.com and Mike Ouverson with Luminate Home Loans at 612-202-8321

Falling Interest Rates, Investment Deadlines, 30 Year Mortgage Advantages
Mortgage rates go down a bit but is it enough to have a big impact on the market? The last day for tax-loss selling is coming up. What young people need to know about investing. Why a 30-year mortgage is a good idea. Home equity risks. Any questions ask Ryan O'Neil and Scott Wollmering of Re/Max Advantage Plus. You can reach them at 612-294-6949. And call Adam Hartung of Midwest Money Management you can contact him at 952-895-1055.

Home Prices Continue To Rise, Holding an Open House, Evicting a Tenant
The average price of a home continues to go up. Talking about the price point when preparing to put your home on the market. Does it make sense to hold an open house? How to evict a tenant. Property taxes are rising across the state. How a first time buyer can overcome rising costs. Support the O’Neill Foundation of Hope https://www.oneillhope.org/ check out Ryan’s holiday shows https://www.pianobrothers.com/ Any questions ask Ryan O'Neil and Scott Wollmering of Re/Max Advantage Plus. You can reach them at 612-294-6949. And call David Meyer at 612 849-0687

It is a Good Time to Buy, Impact of Real Estate Commission Change, Barndominiums
It is a good time of the year to buy a home. The impact the change in real estate commission rules has on buyers, sellers and the housing industry. Tiny house barndominiums are becoming more popular. Donate to The O'Neill Foundation of Hope https://www.oneillhope.org/. Any questions ask Ryan O'Neil and Scott Wollmering of Re/Max Advantage Plus. You can reach them at 612-294-6949. And call Steve McDonald from White Birch Designs 952-686-8443.

Affordability Issues in the Market, Building Equity, Winterizing Your Home
Affordability continues to be an issue for buyers. It's an interest rate driven market. Building equity. Finding sewer issues during a home inspection. Taking care of your house ahead of winter. What to know about building code. Support The O'Neill Foundation of Hope https://www.oneillhope.org/. Any questions ask Ryan O'Neil and Scott Wollmering of Re/Max Advantage Plus. You can reach them at 612-294-6949. Call Eric Houseman from Structure Tech Home Inspections at 952 915-6466

Pending Sales are Up, Basement Maintenance, Election Impact on Market
Who can benefit from the market right now? Pending sales are currently up compared to last year. Does the election impact the real estate market? The process of stabilizing the foundation of your home. Testing for radon. The cost of a foundation repair. When could mortgage rates come down? Any questions ask Ryan O'Neil and Scott Wollmering of Re/Max Advantage Plus. You can reach them at 612-294-6949. Call Mike Ouverson with Luminate Home Loans at 612-202-8321 as well as Steve Grohn from Standard Water 651-955-9240.

Projected Home Sales for the Year, Risks of Waiving Home Inspection,
Why home sales are projected to be down sharply this year. Rates are not moving much. Breaking down some material facts of real estate. The risks of not having a home inspection before buying. What to know about your sump pump. How to monitor mortgage rates. Any questions ask Ryan O'Neil and Scott Wollmering of Re/Max Advantage Plus. You can reach them at 612-294-6949. And call Steve Stalock of WIN Home Inspections - contact him at 952-891-4455 or email at [email protected]. mnrealestateshow.com

A Historic Month for Interest Rates, How Rates Could Come Down,
Why October is historically a time when interest rates are high. When houses could become more affordable. What will drive interest rates down? What could the government do to lower interest rates? Any questions ask Ryan O'Neil and Scott Wollmering of Re/Max Advantage Plus. You can reach them at 612-294-6949. And call Mike Ouverson with Luminate Home Loans at 612-202-8321 as well as Adam Hartung of Midwest Money Management you can contact him at 952-895-1055. mnrealestateshow.com

The Future of Interest Rates, Advice for Getting in The Housing Industry, Why People Move
Interest rates have come down a lot since last year. What can we expect moving forward? What is a “barndominium”? Advice for people getting into the real estate and mortgage industry. Taxes and insurance questions. What is the number one factor for why people move homes? How to know when a home is overpriced? When is it time to relist or reduce the price of a home you’re trying to sell? Any questions ask Ryan O'Neil and Scott Wollmering of Re/Max Advantage Plus. You can reach them at 612-294-6949. And call Mike Ouverson with Luminate Home Loans at 612-202-8321.

New Energy in the Housing Market, Insurance Advice,
Brad Sanford from Farmers Insurance joins the show. There is energy in the market since interest rates dropped. Why are insurance rates going up? Why is flood insurance so important? What you should know about a guaranteed offer. Ask your insurance agent what you are exposed to as a homeowner. Any questions ask Ryan O'Neil and Scott Wollmering of Re/Max Advantage Plus. You can reach them at 612-294-6949.

Special Guests Representing Hockey Day in Minnesota Join the Show
Special guests from Shakopee join the show and talk about Hockey Day in Minnesota 2025. We talk about the plans in place to bring the event to Valleyfair. Offers are going up as interest rates start going down. Take care of your water system, roof, smoke alarms, carbon monoxide detectors all before winter. How to handle multiple offers. Any questions ask Ryan O'Neil and Scott Wollmering of Re/Max Advantage Plus, which you can reach them at 612-294-6949.

More Interest Rate Talk, New Listings in the Twin Cities, and Remodeling Priorities
The impact of the Fed’s rate cut on the housing market. Does it affect mortgage rates? New listings in the Twin Cities. The Parade of Homes wraps up for the Fall. Prioritizing home improvements for the best return on investment. The best and worst years to buy a home based on when it was built. What to do if you find water in your basement. Any questions ask Ryan O'Neil and Scott Wollmering of Re/Max Advantage Plus, which you can reach them at 612-294-6949. And call Mike Ouverson with Luminate Home Loans at 612-202-8321.

The Fed Cuts Interest Rates
The Federal Reserve has cut the key interest rate by half a percent. The impact this could have on the housing market. Plus answers to any and all real estate questions you may have for Ryan O'Neil and Scott Wollmering of Re/Max Advantage Plus, which you can reach them at 612-294-6949 as well as Adam Hartung of Midwest Money Management you can contact him at 952-895-1055

Accounting, interest rates, home inspections!
Today's show we chatted about the Parade of Homes, touched more on the 'Perfect Storm' where we see less homes on the market, more interest rates and a boom we could expect with that soon, as well as answer any and all real estate questions you may have for Ryan O'Neil and Scott Wollmering of Re/Max Advantage Plus, which you can reach them at 612-294-6949 as well as Steve Stalock of WIN Home Inspections - contact him at 952-891-4455 or email at [email protected].

Perfect storm
The perfect storm in real estate is right around the corner. MnRealEstateShow.com Ryan O'Neil Scott Wollmering Re/Max Advantage Plus 612-2946949

Insurance rate changes.
Property insurance changes are a big topic lately in the real estate world. Brad Sanford with Farmers Insurance explains. MnRealEstateShow.com Ryan O'Neil Scott Wollmering Re/Max Advantage Plus 612-294-6949 Mike Ouverson Luminate Home Loans 952-698-3300 applywithmike.com Brad Sanford Farmers Insurance 651-690-2076 [email protected]

Live from the State Fair
Rueben Saltzman of Structure Tech joins Ryan, Scott and Mike on the WCCO deck at the MN state Fair. MnRealEstateShow.com Ryan O'Neil Scott Wollmering Re/Max Advantage Plus 612-294-6949 Mike Ouverson Luminate Home Loans goluminate.com 952-698-3300 Rueben Saltzman Structure Tech Home Inspections 952-915-6646

New real estate contract rules.
New real estate contract rules went into effect this week. Also, special guest Steve Grohn of Standard Water. MnRealEstateShow.com Ryan O'Neil Re/Max Advantage Plus 612-294-6949 Steve Grohn Standard Water 651-955-9240

Do it yourselfers home improvement may not be a good idea.
MnRealEstateShow.com. Steve Stalock of WIN Home Inspection shares why do it yourself home improvement may not be the best way to add value to your home. Ryan O;Neil Scott Wollmering Re/Max Advantage Plus 612-294-6949 Mike Ouverson Luminate Home Loans goluminate.com 952-698-3300 Steve Stalock WIN Home Inspections [email protected] 952-891-4455

Monitoring interest rates, navigating the market, and much more!
We begin the show discussing interest rates and give the latest update on where it's at. Also, we discuss investing, we go over some of the listings available, building your home from the ground up with today's rates and much, much more! Our team is here to help answer your questions with Ryan O'Neil and Scott Wollmering of Re/Max Advantage Plus, you can contact them at 612-294-6949 - also, Mike Ouverson of Luminate Home Loans, visit goluminate.com or call 952-698-3300, joining them today was Corey Schmiedeberg, Vice President, Partner, Senior Advisor for Midwest Money Management - visit www.midwestmoneymanagement.com! For more information and questions visit MnRealEstateShow.com or you can call 612-294-6949.

New real estate rules...business as usual.
With all the new rules for real estate transactions, it's still business as usual. MnRealEstateShow.com Ryan O'Neil Scott Wollmering Re/Max Advantage Plus 612-294-6949 Mike Ouverson Luminate Home Loans 952-698-3300

Insurance rates rising.
Brad Sanford of Farmers Insurance talks about rising rates and what to do to keep them in line with the coverage you need. MnRealEstateShow.com 612-294-6949 Ryan O'Neil Scott Wollmering Re/Max Advantage Plus Mike Ouverson Luminate Home Loans 952-698-3300 Brad Sanford Farmers Insurance 651-690-2076

Interest rates creeping downward.
MnRealEstateShow.com. Guest Reuben Saltzman of Structure Tech Home Inspection gives a few home maintenence tips. Ryan O'Neil Scott Wollmering Re/Max Advantage Plus 612-294-6949 Rueben Saltzman Structuretech.com 952-915-6466 Mike Ouverson Luminate Home Loans 952-698-3300

How to prepare if you're a first time home buyer.
Getting into your first home requires preparation. Learn more from Ryan O'Neil and Scott Wollmering from Re/Max Advantage Plus. 612294-6949 MnRealEstateShow.com Mike Ouverson Luminate Home Loans 952-698-3300

Interest rates remain steady.
MnRealEstateShow.com While interest rates remain steady, home inspections are up according to Steve Stalock of Win Home Inspections. Ryan O'Neil Scott Wollmering Re/Max Advantage Plus 612-294-6949 Steve Stalock WIN Home Inspections 952-891-4455 Mike Ouverson Luminate Home Loans 952-698-3300

Adam Hartung Midwest Money Mgmt joins the team.
MnRealEstateShow.com Adam Hartung of Midwest Money Management discuss what new adult should do to ensure certain aspects of their life are stabilized. Ryan O'Neil Scott Wollmering Re/Max Advantage Plus 612-294-6949 Midwest Money Management 952-895-1015

Rates trickle down.
MnRealEstateShow.com Guest Adam McIntyre Barn of Nordy Photography talks about how quality photography attracts people to you listing. Ryan O'Neil Scott Wollmering Re/Max Advantage Plus 612-294-6949 Mike Ouverson Luminate Home Loans goluminate.com 952-698-3300 Adam McIntyre Barn Nordy Photography 612-440-0558

Learn how to shop for insurance.
MnRealEstateShow.com Brad Sanford of Brad Sanford Farmers Insurance gives a list on how to shop of homeowners insurance. Ryan O'Neil Scott Wollmering Re/Max Advantage Plus 612-294-6949 Brad Sanford Farmers Insurance 651-690-2076 Mike Ouverson Luminaate Home Loans 952-698-3300