Gabriel Harstad-Puga / Realtor / Real Estate Agent / Real Estate Consultant
Meet Real Estate Agent Gabriel Harstad-Puga
About Gabriel the Realtor
**White Bear Lake Real Estate Agent | RGLPT Realty | Serving MN Since 2012**
"Advocate. Assist. Close. As a dedicated real estate agent with **RGLPT Realty** since 2012, I bring over a decade of expertise to buyers, sellers, and investors in **White Bear Lake, MN (55110)**, and the greater **Twin Cities area**. Specializing in residential, luxury, and investment properties, I combine deep knowledge of the **Minnesota real estate market** with personalized strategies to achieve your goals.
Whether you’re a **first-time homebuyer**, relocating, downsizing, or exploring **luxury homes**, my client-focused approach ensures seamless transactions. Recognized for strategic negotiation, transparent communication, and a proven track record of success, I pride myself on delivering results that earn **repeat and referral clients**.
Serving **White Bear Lake, Hugo, Oakdale, North Saint Paul, Mahtomedi, Vadnais Heights**, and surrounding communities, I prioritize your needs to make every transaction stress-free. Let’s turn your real estate vision into reality—contact me today for expert guidance in navigating the Twin Cities dynamic market!
Realty Group Mission Statement:
“TO REVOLUTIONIZE CLIENT EXPERIENCE.”
- Collaboration
- Integrity
- Growth
- Purpose
- Kindness
- Progressive
My Business Values
Gabriel understands that buying or selling a home is a huge decision. He is dedicated to providing his clients with the expertise and support they need to navigate the real estate process confidently. In business since 2012, Gabriel has the experience in the industry and an ever-growing list of diverse clientele, he has earned the knowledge and skills to help you achieve your real estate goals.
Gabriel believes in diversity, equality, and inclusion in the workplace and community and takes pride in advocating for issues that impact diverse communities. He is passionate about helping his clients succeed and is committed to providing the highest level of service. If you're looking for a real estate professional who will put your needs first, Contact Gabriel today and let him help you reach your real estate dreams.
Your Comprehensive Guide to the Home Buying Process:
Welcome to your ultimate resource for navigating the home buying journey! Whether you're a first-time homebuyer or a seasoned investor, understanding the buying process is key to a successful real estate transaction. This guide will walk you through each step, ensuring you’re well-prepared to find and purchase your dream home.
1. Assess Your Financial Readiness
Evaluate Your Finances
Before diving into the home buying process, it’s crucial to assess your financial health. Review your credit score, savings, and overall budget. A higher credit score can lead to better mortgage rates, while a solid savings account provides a buffer for down payments and closing costs.
Determine Your Budget
Calculate how much you can afford to spend on a home. Consider all costs, including the down payment, monthly mortgage payments, property taxes, homeowners insurance, and maintenance expenses. Use online calculators to estimate what you can comfortably manage.
2. Get Pre-Approved for a Mortgage
Find a Lender
Approach several lenders to compare mortgage rates and terms. Obtain pre-approval to determine how much you can borrow and demonstrate your seriousness to sellers. Pre-approval involves a thorough review of your financial situation by the lender.
Understand Your Loan Options
Explore various mortgage types, such as fixed-rate, adjustable-rate, and government-backed loans. Each comes with its own set of benefits and requirements. Choose the one that best fits your financial situation and long-term goals.
3. Hire a Real Estate Agent
Choose the Right Agent
A knowledgeable real estate agent can guide you through the buying process, from finding properties to negotiating offers. Look for an agent with experience in your desired area and a track record of successful transactions.
Communicate Your Needs
Clearly outline your preferences and requirements to your agent, including your budget, preferred neighborhoods, and must-have features. This will help them find properties that align with your criteria.
4. Start House Hunting
Research Neighborhoods
Explore different neighborhoods to find the one that best suits your lifestyle. Consider factors such as proximity to work, schools, amenities, and overall community vibe.
Attend Open Houses
Visit open houses and schedule private showings to get a feel for the properties you’re interested in. Take note of key features, condition, and any potential issues that may need addressing.
5. Make an Offer
Submit a Competitive Offer
Once you’ve found the right home, work with your agent to craft a competitive offer. This may include offering above the asking price in a hot market or negotiating terms that are favorable to you.
Review and Negotiate
Be prepared for counteroffers and negotiations. Your agent will help you navigate these discussions to reach a mutually agreeable price and terms.
6. Complete the Home Inspection
Hire a Professional Inspector
A home inspection is a critical step to identify any potential issues with the property. Hire a licensed inspector to thoroughly examine the home and report on its condition.
Address Inspection Findings
Review the inspection report and discuss any necessary repairs or concerns with the seller. You may negotiate repairs or a reduction in price based on the findings.
7. Finalize Your Mortgage
Lock in Your Rate
Work with your lender to finalize your mortgage application. Lock in your interest rate and review the final loan terms before closing.
Prepare for Closing Costs
Closing costs typically include fees for the appraisal, title insurance, and loan origination. Ensure you have sufficient funds to cover these expenses.
8. Close the Deal
Review Closing Documents
Before the closing date, review all documents and ensure everything is accurate. This includes the closing disclosure, deed, and mortgage agreement.
Sign and Transfer Ownership
At the closing meeting, sign the necessary documents, transfer funds, and officially take ownership of your new home. Congratulations, you’re now a homeowner!
9. Move In and Enjoy
Plan Your Move
Coordinate your move, including packing, hiring movers, and setting up utilities. Make sure everything is in place for a smooth transition into your new home.
Personalize Your Space
Once you’re settled, personalize your new home to make it truly yours. Enjoy the process of decorating and making the space fit your style and needs.
Navigating the home buying process can seem overwhelming, but with the right preparation and guidance, it can be a rewarding experience. By following these steps, you’ll be well on your way to finding and purchasing your perfect home. For personalized assistance and expert advice, don’t hesitate to reach out to our experienced team. Happy house hunting!
Call or Visit
Gabriel Harstad-Puga @ RG LPT Realty
4411 Lake Avenue South, White Bear Lake, Minnesota 55110, United States
Phone: (952) 212-1857 Email: gharstad.realtor@gmail.com
Open today | 09:00 am – 08:00 pm |
Monday - Friday: 9am - 8pm
Saturday: 10am-6pm
Sunday: 10-6pm
Gabriel Harstad-Puga
RG LPT Realty
Find Your Perfect Home with Gabriel Harstad-Puga of RG LPT R
Servicing Minneapolis / Saint Paul & Surrounding Areas.
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