When was the last time you only got one quote on something big? Probably never, right? Yet most people only talk to one lender for their mortgage. As a broker, I encourage buyers to get a second opinion. I shop multiple lenders, often finding cheaper options. Even if you love your bank, it’s worth making […]
Minnesota homeowners just got some great news. Reports show home values here continue to appreciate year after year. What does that mean for you? The sooner you buy, the sooner your home can start working for you. Appreciation builds equity, and equity builds wealth. Waiting is like sitting on the sidelines while everyone else is […]
A lot of buyers think the biggest hurdle is the down payment, but here’s the truth: you have options. You can borrow from your 401k, receive a gift from family, or tap into down payment assistance programs. You don’t always need tens of thousands saved up. Sometimes it’s about getting creative and knowing what’s available […]
I get asked all the time: “What’s your interest rate?” While that’s important, the real question is what’s the cost to get that rate? On your Loan Estimate (Section A or the 800 section), that’s where the true cost shows up. Many buyers chase a slightly lower rate, only to get surprised at closing with […]
Hey, it’s Ken with a quick mortgage update. The latest jobs report showed: – Fewer full-time jobs – Unemployment ticking up – Pressure on the Fed to finally cut rates Markets are now expecting a rate cut on September 17th, with more cuts likely this year. 💡 What this means for buyers: Lower rates = […]
