Real Estate & Mortgage Market Update

Brought to you by SMW Federal Credit Union and the Joyer Home Team at no cost to you

Saturday, September 24th

10:30 a.m. to 12:30 p.m.

SMW Federal Credit Union

700 Apollo Drive

Lino Lakes, MN 55014

Real Estate Market Update

  • The impact of the Great Recession and the situation now
  • Home Values, The New Normal
  • Where we are and what the next 5,10 years look like
  • Population trends that will help you make better decisions now

Mortgage Answers

  • Is your mortgage underwater?
  • Closing Costs (what are they and how do I know I am getting the best deal)?
  • What is Private Mortgage Insurance (PMI) and do I need it?
  • What is Title Insurance?
  • What is the governments Home Affordable Refinance Program (HARP) and the DURP Program and will they help stabilize the housing market?

Jeff Joyer of the Quad area Joyer Home Team, Keller Williams Premier Realty will present the Real Estate Market Update. The award winning Joyer family team has served the community since 1977.

Jeff Stensland has 18 years of mortgage underwriting experience. He currently manages the SMW Financial LLC Mortgage CUSO headquartered in Lino Lakes. An experienced presenter, Jeff has entertained and educated many community groups including Real Estate business', the MN School of Business and programs with the JATC.

Attendees can enter a prize drawing for a $100 Home Depot Gift Card. Must be present to win.

Join us for an enlightening morning! Refreshments will be served.

Email Victoria at to make a reservation.