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About Team Kathy Borys

about Team Kathy Borys

Real Estate with Heart

At Team Kathy Borys, we are more than just real estate agents. We’re mothers, daughters, sisters, and we understand the importance of choosing the right home for you. We build close relationships with our clients and get to know who they are, what they love, and what is important to them, so we can help be their guide in the process of finding a home that fits their lifestyle. 

We Know Minneapolis - St. Paul Real Estate

So you don't have to!

Up-to-date market Data

We at Team Kathy Borys go beyond knowing real estate – we live and breathe it! We make it our mission to stay informed of the constant changing climate of the Twin Cities housing market, so we can help you make the perfect offer, or sell your home at the best price possible. 

Twin Cities Communities

Did you know there are over 100 suburbs across 8 counties in the Minneapolis – St. Paul – Twin Cities area? Each one with it’s own unique character and charm. This is why we spend time getting to know you, so we can help guide you to the parts of the Twin Cities that will best fit your lifestyle. Whether you want to be close to the action of the city, or take in the majestic views of the country, we have the knowledge to help you find the ideal space you can call “home”.

Proven Buying & Selling Strategies

With 40+ years of combined experience in real estate, we know how to get you top dollar for your home or write up an offer that will capture the seller’s attention. Before you sign anything with us, we’ll spend time talking about the unique strategy and approach that will work best for your situation. Every buying and selling experience is unique, which is where our expertise and industry knowledge matters most.  

Start Your Search

"I’ve worked with 4 different realtors in my life, and Kathy has by far been the best! She is knowledgeable, professional, responsive, and easy to work with."

- Kristen P.

Get to know us

Meet The Kathy Borys Team

Whether you’re buying your first home, searching for the perfect family home, or ready to downsize, our team can help you find the perfect home at any stage of life!
Learn more about who we are by clicking on an image below.


We Are Here To Help You With Any Questions You May Have

The decision of whether or not to buy a home is a personal and complex one. However, for many people, buying a home can be a good financial investment.
As you make monthly mortgage payments, you are building equity in the home. As a renter, you pay off the landlord’s mortgage, not your own.
In addition, real estate often increases in value over time, meaning that the house can be sold at a higher price in the future. Of course, it’s important to consider factors such as market conditions and the state of the home before making a purchase.
But overall, buying a home can often lead to long-term financial benefits. It’s also worth considering that owning a home provides stability and allows individuals or families to put down roots in a community. Ultimately, the decision to buy a home or rent should be carefully weighed and considered, with both practical and emotional factors taken into account.
The home buying process can seem complicated, but breaking it down into steps can make it much more manageable. 
  1. First, it’s important to determine your budget and how much you can afford in a mortgage payment.
  1. Hire a Realtor who can help you navigate the market conditions and negotiate the terms of the purchase agreement.
  2. Get loan approval from a trusted lender, sellers will want to know you are qualified to buy their home.
  1. Sign paperwork with your Realtor of choice and the home search begins!
  2. Start looking at homes and scheduling showings with our agent 
  3. Once you find a home, an offer is written and negotiations begin with the seller’s agent.
  4. Upon acceptance of the terms, it’s important you do an inspection. This might bring up items you want to negotiate. 
  5. Get ready for lining up your homeowner’s insurance and get ready for the closing.
  6. These steps may vary slightly depending on individual circumstances, but following this basic outline can help make the home-buying process go smoothly.

    Team Kathy Borys has a Buying Guide that will help you navigate all of this with ease. If you have questions about the home buying process or how to get started, contact us and we’d love to help answer your questions. 

The answer to the question of whether or not you can buy a home directly from an owner depends on various factors.

It may be possible for an owner to sell their home without working with a real estate agent, but it also depends on the unique circumstances of both the buyer and the seller.

The buyer’s credit score and ability to secure a mortgage through a bank or lender will play a role in their ability to purchase a home.

Additionally, sellers may prefer to work with agents in order to handle negotiations and paperwork efficiently and effectively.

Ultimately, it is possible for a home to be bought directly from an owner, but it can be helpful to consult with experts in the field before making such a big decision.

If you have questions about a “For Sale By Owner” house contact us at Team Kathy Borys, and we can help you navigate the process! 

When it comes to home buying, your credit score is one of the main factors that lenders will consider before approving a mortgage loan. However, simply owning a home does not automatically improve your credit score. In fact, taking on a large mortgage can actually lower your score in the short term because of the added debt burden.
However, consistently making on-time payments can have a positive impact on your credit in the long run. Additionally, building equity in your home can also increase your overall financial stability, eventually leading to an increase in your credit score. 
So, while buying a home may not immediately boost your credit score, establishing responsible payment habits and building up equity can ultimately have a positive impact on your credit over time.
Buying a home is an exciting and often overwhelming process, and one of the biggest questions homebuyers have is: “How much money do I need to buy a home?” 
The answer is not cut and dry. It ultimately depends on several factors including the home’s price and your ability to secure a loan. A traditional down payment usually ranges from 3-20% of the home’s purchase price.
There are, also, options such as low-down-payment loans or grants that can make homeownership more achievable. It’s important to take the time to do thorough research into your financing options and budget before starting your home search. Working with a qualified lender is key and can make the buying process more streamlined. With careful planning and saving, you’ll be well on your way to owning your dream home.
To help you get started on your home buying search, contact us and we can help you walk through the process of buying your own home. 

The ability to buy a home is often tied to your credit score and history. However, it is possible to purchase a house even with no credit or bad credit.

One option is to bring on a cosigner who has better credit.

Another option is to look for sellers who are willing to do owner financing, where the seller acts as the lender and you pay them directly instead of going through a traditional bank or mortgage lender.

It may also be worth paying off any small outstanding debts in order to improve your credit before homebuying.

In addition, saving up enough for a larger down payment can also help you qualify for a home loan despite bad credit. While it may take some extra effort and research, it is possible to become a homeowner even with no or poor credit.

If you have questions about buying a home, contact us at Team Kathy Borys, and we can walk you through the process to help you get started in finding a home to call your own!

Selling a home can be an exciting time, but it also comes with a lot of important tasks and decisions.

Before putting your house on the market, it’s wise to create a specific plan for selling. This will prevent any potential gap in housing and ensure you have enough time and resources to find your dream home.

It’s also crucial to declutter and stage your current property to make a positive first impression on potential buyers. Additionally, hiring a skilled real estate agent can provide valuable insight and save you time in the negotiation process.

By taking these measures beforehand, selling your home can become a smooth and successful venture.

Contact us for a complimentary consultation and free home estimate to help you get started in the process of selling your home. 


While it may seem logical to sell your current home before buying a new one, purchasing a new property prior to selling can actually have its advantages.
For starters, having the new house in place allows you more time and flexibility to stage and market your current home. Not only that but selling before buying can put you in a time crunch to find and purchase a new property, potentially causing stress and impulsive decisions.
On the flip side, buying first also enables you to add any necessary improvements or renovations to your current home, potentially increasing its value and making for a smoother selling process.
Of course, this approach does come with financial considerations such as carrying two mortgages simultaneously, but weighing the pros and cons and consulting with a trusted financial advisor can help make the decision that’s best for you.
At the end of the day, ultimately, it’s about finding what strategy works best for your individual circumstances.
To talk about the best homebuying and selling process for you, contact us to schedule a complimentary consultation to help you get started. 
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