Buying a House & Home Buying Tips

Buying a House?

Time to Check your Free Credit Report

Free Credit Report – Annual Credit Report

Free Annual Credit Report UPDATE REGARDING YOUR FREE CREDIT REPORT: During these times of COVID-19, accessing your credit is important. That’s why Equifax, Experian, and TransUnion are now offering free weekly online reports through April 2021. Step 1 of How to Buy a House is to check your credit. But, even if you’re not buying […]

How much house can I afford?

How Much House Can I Afford? Insider Tips and Home Affordability Calculator

‘How Much House Can I Afford?’ (The Ultimate Guide) Hey there, future homeowner! We’re here to help you unravel the exciting world of home buying, specifically answering the question: ‘How Much House Can I Afford?’ Our Home Affordability Calculator is like your personal compass, guiding you towards the house of your dreams without breaking the […]

Low Down Payment Mortgage Options - FHA Loan vs Conventional Loan

Low Down Payment and First Time Home Buyer Programs 2023 Edition

100% FHA! Conventional 1% down mortgage + 2% down payment assistance! What are Low Down Payment, First Time Home Buyer Programs 2023? First Time Home Buyer Programs 2023 Edition What are the low down payment mortgage and first time home buyer programs available in 2023? VA still offers 100%, zero-down financing. But what if you’re […]

Buying a House - Mortgage Calculators:

Mortgage Payment Calculator (Our Most Popular Mortgage Calculator)
Use this mortgage calculator to determine your monthly mortgage principal, interest, taxes and insurance payment (PITI) and amortization schedule.
Mortgage Affordability Calculator
Wondering ' How much mortgage can I qualify for ?' and ' How much house can I afford ?' This mortgage calculator helps answer those questions!
Mortgage Qualification Calculator
Use this mortgage calculator as your first step in determining your ability to qualify for a loan.
Down Payment Calculator
Create a savings plan towards your home purchase. Discover down payment required for FHA Loan, VA Home Loan, USDA Loans, and a Conventional Loan.
First Time Home Buyer - Should I Rent or Buy a Home? - Buy vs. Rent Calculator
Should I buy or rent? As a First Time Home Buyer, it's often difficult to decide whether to Rent or Buy. This Buy vs. Rent Calculator helps make the decision easier.
First and Second Mortgage Calculator
The First and Second Mortgage Calculator calculates the effective interest rate of a first and second mortgage. Combining mortgages can be a useful strategy, find out if it makes financial sense.
Mortgage Interest Tax Deduction Calculator
Mortgage Interest Tax Deduction Mortgage Calculator and IRS Mortgage Interest Tax Deduction pamphlet - Calculate the savings from Mortgage Interest & Mortgage Points.
Rental Property Calculator
An income property can be an excellent investment. This Rental Property Calculator is designed to examine the potential return you might receive from an income property.

 

Costs involved with Buying a House:

Home Buyers Closing Cost Calculator
Use this Closing Cost Calculator to help estimate the total cost of buying a house.

 

Home Buying Articles

Low Down Payment Mortgage Options - FHA Loan vs Conventional Loan

Low Down Payment and First Time Home Buyer Programs 2023 Edition

100% FHA! Conventional 1% down mortgage + 2% down payment assistance! What are Low Down Payment, First Time Home Buyer Programs 2023? First Time Home Buyer Programs 2023 Edition What are the low down payment mortgage and first time home buyer programs available in 2023? VA still offers 100%, zero-down financing. But what if you’re […]

Wood flooring background with strategically placed light blue blocks spelling out 'HOME,' emphasizing how to get your offer accepted.

How to Get Your Offer Accepted – 11 Strategies for 2024 Market Success!

Unlock Real Estate Success: 11 Irresistible Strategies on How to Get Your Offer Accepted in a Sellers’ Market! Enhance Your Offer in a Competitive Market! Navigating the challenges of today’s hot sellers’ market? Wondering how to get your offer accepted? You’re not alone. In our Mortgage/Real Estate Question and Answer series, we recently explored the […]

First Time Home Buyer Class MN

Free First Time Home Buyer Class MN – Online Options! – Upcoming Classes!

First Time Home Buyer Class MN Upcoming First Time Home Buyer Classes in Minnesota: Please click on the Class Name for More Information and to Register for the First Time Home Buyer Class MN: Tuesday, December 12th, 2023 – 6:30 – 8:30 PM – Register for the First Time Home Buyers’ Class – Now Online! Discover […]

House Hacking - Strategic Real Estate Investment Concept - Two Front Doors Symbolizing House Hacking Opportunity on Brick Wall Background

Unlocking New Opportunities: House Hacking Made Easy with 95% LTV Financing

The Game-Changer for Real Estate Investors Are you dreaming of entering the world of real estate investment through house hacking? Well, here’s some exciting news for you – the game just got easier! Thanks to recent developments in financing options, purchasing 2-4 unit properties with up to 95% loan-to-value (LTV) is now a reality. What’s […]

How much house can I afford?

How Much House Can I Afford? Insider Tips and Home Affordability Calculator

‘How Much House Can I Afford?’ (The Ultimate Guide) Hey there, future homeowner! We’re here to help you unravel the exciting world of home buying, specifically answering the question: ‘How Much House Can I Afford?’ Our Home Affordability Calculator is like your personal compass, guiding you towards the house of your dreams without breaking the […]

1 Percent Down Payment - With Equity

Buy a Home with just 1% Down? Yes with the 1% Down Mortgage!

1% Down Mortgage It’s back! As of April 12th, 2023, the Buy a Home with 1% Down! You have 1%, the lender contributes 2%, giving you 3% Equity at closing-Available w/No monthly Mortgage Insurance option is back!! This program is only available for a limited time, so contact your local mortgage broker MLS Mortgage today! […]

Mortgage Insurance MI

Mortgage Insurance – Who needs it?

Who needs Mortgage Insurance? If you’re buying a house with less than 20% down payment, the answer is YOU. Mortgage Insurance is often abbreviated in the industry as “MI”. Some conforming home loans with less than 20% down do offer “No MI” or Lender-Paid MI. That option can be advantageous if you only plan to be […]

Loan Max VA and Conforming Loan Limits

Loan Max VA & Conforming Loan Limits 2021

Loan Max – VA Loan Limits and Conforming Loan Limits Loan Max Updated and Increased for 2021 – although the US Department of Veteran Affairs does not set a limit for VA Home Loans – most lenders do set limits and the VA Home Loan limits match Conforming Loan Limits. See VA Loan Benefits. Conforming Loans […]

How much is a down payment on a house

How Much is a Down Payment on a House? – Do you have enough?

How much is a down payment on a house? That varies whether you are a First Time Home Buyer, repeat buyer, or qualify for any unique loan programs. For many people, the minimum is 3% of the purchase price with a Conventional Loan (up to your Conforming Loan Limits) or 3.5% for a FHA Loan […]

What is an Appraisal

What is an Appraisal on a House?

What is an Appraisal on a House? A home appraisal is used to determine the value of a house. It starts with a professional appraiser evaluating the home’s: Size Features Overall condition Additional considerations include: The Neighborhood What Similar Homes in the area have sold for in the past six months The home’s replacement cost […]

5 Mortgage Pre-Approval Tips to Get You Into Your Dream Home

5 Mortgage Pre-Approval Tips to Get You Into Your Dream Home Buying a home to call your own is a common financial goal among most adults. Home-ownership represents different things to different people. For many, it offers a sound strategy for accumulating wealth, while setting a steady foundation for the future. Purchasing a home is […]

Best Mortgage Rates MN

How to Be Offered the Best Mortgage Rates

How to Be Offered the Best Mortgage Rates “Am I being offered the best mortgage rates?” As a Mortgage Loan Originator, I’ve had my share of that question. I also know it’s not a simple answer. Companies can’t guarantee they have the best mortgage interest rates. However, there are ways to improve your likelihood of being […]

Buying a House – Glossary

Buying a House?

Our Home Buyers are Saying:


"When I bought my first home, Shel helped me finance it. I had lots of questions that she was quick to respond to. Since her company is a broker, she shopped around with different lenders for the best rate and found me the best program for my situation. When rates dropped, I refinanced with her and even though my credit was not perfect at the time, I still got a great rate."

- Rossi F.

Read More of what our Clients are Saying

Buying a House – Ask an Expert