Mortgages

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Buying Should We Wait for Rates to Drop? Everyone keeps asking if they should wait for rates to drop. Here’s the reality and some context: In the 1980s, people were buying homes at 12% In 2020, rates were around 3% Today we’re in the mid 6% range In 2025 the average was 6.6% Today it’s just a touch lower. People think waiting is […]
Affordability What You Need To Know About Pre-Approval Did you know? Getting pre-approved by a lender should be one of your very first steps when buying a home. This process helps you understand how much you can borrow for your mortgage—crucial information to have before you even begin house hunting. If you’re excited to kick off your home search, take the time to […]
Affordability What Factors Impact Interest Rates for Home Buying in Minneapolis? 2 of the Factors That Impact Mortgage Rates If you’re looking to buy a home, you’ve probably been paying close attention to mortgage rates. Over the last couple of years, they hit record lows, rose dramatically, and are now dropping back down a bit. Ever wonder why? The answer is complicated because there’s a lot that can […]
Budget Understanding Your Credit Score Because of its prominent role in the home buying process, it’s important for buyers to understand what a credit score is, how it’s compiled and how to obtain their credit report.  There are many questions you may have and a few steps to take that relate to your credit score.  Just a few are: How […]
Budget Key Terms Every Homebuyer Should Learn [INFOGRAPHIC] Key Terms Every Homebuyer Should Learn Some Highlights Buying a home is a big deal and can feel especially complicated if you don’t know the terms used during the process. If you want to become a homeowner this year, it’s a good idea to learn these key housing terms and understand how they relate to the current housing market. That will help you feel confident when you buy […]
Buying 2 Reasons Why Today’s Mortgage Rate Trend Is Good for Sellers If you’ve been holding off on selling your house to make a move because you felt mortgage rates were too high, their recent downward trend is exciting news for you. Mortgage rates have descended since last October when they hit 7.79%. In fact, they’ve been below 7% for over a month now (see graph below): And while they’re not […]
Buying What Lower Mortgage Rates Mean for Your Purchasing Power If you want to buy a home, it’s important to know how mortgage rates impact what you can afford and how much you’ll pay each month. Fortunately, rates for 30-year fixed mortgages have come down significantly since the end of October and are currently under 7%, according to Freddie Mac (see graph below): This recent trend is great news for buyers. As […]
Budget You CAN buy a home in Minnesota with less than 20% down! Courtesy of: GrammarPros
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Budget Crucial First Step; Mortgage Pre-Approval A Crucial First Step: Mortgage Pre-Approval [INFOGRAPHIC] Some Highlights Mortgage pre-approval means a lender has reviewed your finances and, based on factors like your income, debt, and credit history, determined how much you’re qualified to borrow. Being pre-approved for a loan can give you clarity while planning your homebuying budget, confidence in your ability to secure a loan, helps me write the best […]

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