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Freedom Sought From Unethical Mortgages In rare cases, a homeowner may believe they have been the target of an unscrupulous lender who had accomplices inflate the appraised value of a property in order to increase the selling price.The company can see you are at least making an effort.It is critical to know that some people may try to deal with you in an unscrupulous manner.Some of those alternatives could be a reduction in the amount of the mortgage payment or possibly a suspension of payments over a period of time.If a number of payments are not met, then, according to the terms of the mortgage, a bank foreclosure action may be initiated.How does one go about finding government foreclosure home and property listings?How can you be assured you are getting legitimate information and not being scammed?As with any business decision, it is always best to do your research and make plenty of phone calls if necessary.Successfully avoiding foreclosure is best for everyone involved.Some foreclosure services companies will purchase the home from you or arrange for it to be sold through a real estate agent.Therefore, there are steps that a homeowner can take to stop foreclosure from happening.If you and your spouse are both working, you can split up the daily saving quota so that it will not really look so big.Finding A Bank Foreclosure There are many sources available to the consumer when searching for foreclosed homes.Always remember to do your homework before buying property at every kind of home and land foreclosure sale.Foreclosure takes place when a loan that uses a piece of non-moveable or "real" property as collateral is not repaid.An additional resource in finding foreclosure listings is through the Internet.Ask Help From Others One way to help stop foreclosure is to seek financial aid from your


Real Estate History

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The history of Minnesota is the story of a U.S. state shaped by its original Native American residents, European exploration and settlement, and the emergence of industries made possible by the state's natural resources. Minnesota achieved prominence through fur trading, logging, and farming, and later, railroads, flour milling and iron mining. While those industries remain important, the state's economy is now driven by banking, computers and health care.

Fort Snelling played a pivotal role in Minnesota's history and in the development of the cities of Minneapolis and Saint Paul.

The earliest known settlers followed herds of large game to the region during the last Ice Age. They preceded the Anishinaabe, the Sioux, and other Native American inhabitants. Fur traders from France arrived during the 1600s. Europeans, moving west during the 1800s, drove out most of the Native Americans. Fort Snelling, built to protect United States territorial interests, brought early settlers to the area. Early settlers used Saint Anthony Falls for powering sawmills in the area that became Minneapolis, while others settled downriver in the area that became Saint Paul.

Minnesota became a part of the United States as the Minnesota Territory in 1849, and became the 32nd U.S. state on May 11, 1858. After the upheaval of the American Civil War and the Dakota War of 1862, the state's economy started to develop when natural resources were tapped for logging and farming. Railroads attracted immigrants, established the farm economy and brought goods to market. The power provided by Saint Anthony Falls spurred the growth of Minneapolis, and the innovative milling methods gave it the title of the "milling capital of the world."

New industry came from iron ore, discovered in the north, mined relatively easily from open pits, and shipped to Great Lakes steel mills from the ports at Duluth and Two Harbors. Economic development and social changes led to an expanded role for state government and a population shift from rural areas to cities. The Great Depression brought layoffs in mining and tension in labor relations but New Deal programs helped the state. After World War II, Minnesota became known for technology, fueled by early computer companies Sperry Rand, Control Data and Cray. The Twin Cities also became a regional center for the arts with cultural institutions such as the Guthrie Theater, Minnesota Orchestra, and the Walker Art Center.

Native American inhabitation

Ojibwa women in canoe, Leech Lake, 1909

The oldest known human remains in Minnesota, dating back about 9000 years ago, were found in 1933. The individual was named "Browns Valley Man" because of his location near Browns Valley.

Some of the earliest evidence of a sustained presence in the area comes from a site known as Bradbury Brook near Mille Lacs Lake which was used around 7500 BC. Subsequently, extensive trading networks developed in the region. The body of an early resident known as "Minnesota Woman" was discovered in 1931 in Otter Tail County. Radiocarbon dating determined that she had come through the area in approximately 6600 BC. She had a conch shell from a snail species known as Busycon perversa , which had previously only been known to exist in Florida.

Several hundred years later, the climate of Minnesota warmed significantly. As large animals such as mammoths became extinct, native people changed their diet. They gathered nuts, berries, and vegetables, and they hunted smaller animals such as deer, bison, and birds. The stone tools found from this era became smaller and more specialized to use these new food sources. They also devised new techniques for catching fish, such as fish hooks, nets, and harpoons. Around 5000 BC, people on the shores of Lake Superior (in Minnesota and portions of what is now Michigan, Wisconsin, and Canada) were the first on the continent to begin making metal tools. Pieces of ore with high concentrations of copper were initially pounded into a rough shape, heated to reduce brittleness, pounded again to refine the shape, and reheated. Edges could be made sharp enough to be useful as knives or spear points.

Burial mounds in Indian Mounds Park

Archaeological evidence of Native American settlements dates back to 3000 BC. The Jeffers Petroglyphs site in southwest Minnesota contains carvings from the Late Archaic Period and from the 1750 BC – 900 BC time period. Pieces of pottery began to appear at short-lived settlements around 1000 BC. Around 700 BC, burial mounds were first created, and the practice continued until the arrival of Europeans, when 10,000 such mounds dotted the state.

The Hopewell culture is believed to have lived along the banks of the Mississippi River from 200 BC to about AD 400. By AD 800, wild rice became a staple crop in the region, and corn farther to the south. Within a few hundred years, the Mississippian culture reached into the southeast portion of the state, and large villages were formed. The Dakota Indian culture may have descended from some of the peoples of the Mississippian culture.

When Europeans first started exploring Minnesota, the region was inhabited primarily by tribes of Dakota, with the Ojibwa (sometimes called Chippewa, or Anishinaabe) beginning to migrate westward into the state around 1700. The economy of these tribes was chiefly based on hunter-gatherer activities. There was also a small group of Ho-Chunk (Winnebago) Indians near Long Prairie, who later moved to a reservation in Blue Earth County in 1855.

European exploration

Though highly controversial, an inscribed stone known as the Kensington Runestone suggests that a group of Norse explorers may have ventured as far inland as Minnesota as early as 1362. Though many consider it a hoax, recent geological examinations point toward a pre-19th century origin of the inscription.

It was a few more centuries before contact between Europeans and Native Americans of Minnesota could be confirmed. In the late 1650s, Pierre Esprit Radisson and Médard des Groseilliers were probably the first to meet Dakota Indians while following the southern shore of Lake Superior (which would become northern Wisconsin). The north shore was explored in the 1660s. Among the first to do this was Claude Allouez, a missionary on Madeline Island. He made an early map of the area in 1671.

Around this time, the Ojibwa Indians reached Minnesota as part of a westward migration. Having come from a region around Maine, they were experienced at dealing with European traders. They dealt in furs and possessed guns. Tensions rose between the Ojibwa and Dakota in the ensuing years.

In 1671, France signed a treaty with a number of tribes to allow trade. Shortly thereafter, French trader Daniel Greysolon, Sieur du Lhut arrived in the area and began trading with the local tribes. Du Lhut explored the western area of Lake Superior, near his namesake, the city of Duluth, and areas south of there. He helped to arrange a peace agreement between the Dakota and Ojibwa tribes in 1679.

A painting of Father Hennepin discovering Saint Anthony Falls.

Father Louis Hennepin with companions Michel Aco and Antoine Auguelle (aka Picard Du Gay) headed north from the area of Illinois after coming into that area with an exploration party headed by René Robert Cavelier, Sieur de La Salle. They were captured by a Dakota tribe in 1680. While with the tribe, they came across and named the Falls of Saint Anthony. Soon, du Lhut negotiated to have Hennepin's party released from captivity. Hennepin returned to Europe and wrote a book, Description of Louisiana , published in 1683, about his travels where many portions (including the part about Saint Anthony Falls) were strongly embellished. As an example, he described the falls as being a drop of fifty or sixty feet, when they were really only about sixteen feet. Pierre-Charles Le Sueur explored the Minnesota River to the Blue Earth area around 1700. He thought the blue earth was a source of copper, and he told stories about the possibility of mineral wealth, but there actually was no copper to be found.

Explorers searching for the fabled Northwest Passage and large inland seas in North America continued to pass through the state. In 1721, the French built Fort Beauharnois on Lake Pepin. In 1731, the Grand Portage trail was first traversed by a European, Pierre La Vérendrye. He used a map written down on a piece of birch bark by Ochagach, an Assiniboin guide. The North West Company, which traded in fur and competed with the Hudson's Bay Company, was established along the Grand Portage in 1783 – 1784.

Jonathan Carver, a shoemaker from Massachusetts, visited the area in 1767 as part of another expedition. He and the rest of the exploration party were only able to stay for a relatively short period, due to supply shortages. They headed back east to Fort Michilimackinac, where Carver wrote journals about the trip, though others would later claim the stories were largely plagiarized from others. The stories were published in 1778, but Carver died before the book earned him much money. Carver County and Carver's Cave are named for hi

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