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 Step 1 of How to Buy a House is to check your credit. But, even if you’re not buying a house, it’s a good idea to get your free annual credit report once a year. Check Your Credit with a Free Credit Report Before you reach out and talk to a Mortgage […]

How much house can I afford?

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

Affordability is based on: your monthly mortgage payment + other monthly payments = <36% of your gross monthly income. Mortgage lenders will often approve higher; qualified mortgages allow up to 43%. Calculate how much house you can afford with a home affordability calculator. ‘How Much House Can I Afford?’ (The Definitive Guide) Updated with 2017 Industry […]

Low Down Payment Mortgage Options - FHA Loan vs Conventional Loan

2017 Low Down Payment and First Time Home Buyer Programs

100% FHA! Conventional 1% down mortgage + 2% down payment assistance! What Low Down Payment, First Time Home Buyer Programs is best? What are the low down payment mortgage and first time home buyer programs available in 2017? VA offers 100%, zero-down financing. But what if you’re not a Veteran? USDA RHS offers 100%, 0 down […]

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

First Time Home Buyer Class MN – Upcoming Class Dates!

First Time Home Buyer Class MN 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: Monday, October 9th, 2017 – Mortgage Financing: An In-Depth Look at The Newest Programs (Lake Harriet) […]

Questions to Ask Your Home Inspector during your Home Inspection

6 Questions to Ask Your Home Inspector during Home Inspection

6 Questions to Ask Your Home Inspector During Your Home Inspection by Guest Author – Kris Lindahl Getting a home inspection is very important. It can protect you from purchasing a home that has a lot of problems, or that costs more than it should, based on its issues. Sometimes home inspectors miss things, but […]

How much house can I afford?

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

Affordability is based on: your monthly mortgage payment + other monthly payments = <36% of your gross monthly income. Mortgage lenders will often approve higher; qualified mortgages allow up to 43%. Calculate how much house you can afford with a home affordability calculator. ‘How Much House Can I Afford?’ (The Definitive Guide) Updated with 2017 Industry […]

Open Houses in Blaine MN

Open Houses in Blaine MN – February 2017

Open Houses in Blaine MN Looking for something to do? What better way to spend your time than looking at houses! Below are the upcoming Open Houses in Blaine, MN: View Pictures of the Open Houses in Blaine MN 4509 121st Avenue NE , Blaine, MN 55449 $479,900 2/8/2017 2:00 PM – 5:00 PM 4527 121st […]

Home Appraisal vs Home Inspection

Home Appraisal vs Home Inspection – What’s the Difference?

Home Appraisal vs Home Inspection What is the difference between a home appraisal vs home inspection? Are either required? This Real Estate Video features Dave Widell, REALTOR ®, with ReMax Advantage Plus. His office is located in Blaine, MN. Dave believes that your agent should be working for you, not their own bottom line. He can be […]

FHA lowering Mortgage Insurance January 2017

Is FHA lowering Mortgage Insurance? (Update)

FHA lowering Mortgage Insurance – Not Anymore… UPDATE! HUD previously announced on January 9th, they would lower FHA Mortgage Insurance. Information below for reference. Shortly after the new President was sworn in on January 20th, the Trump administration halted the MI reduction. Mortgage Insurance will retain their previous premiums per the January 20th, Mortgagee Letter. FHA […]

2017 VA Home Loan Limits MN Conforming Loan Max MN

Loan Max VA & Conforming Loan Limits

Loan Max – VA Loan Limits and Conforming Loan Limits Loan Max Updated for 2017 – VA Home Loan limits match Conforming Loan Limits. See VA Loan Benefits. Conforming Loans are considered any loans that are purchased by Fannie Mae and Freddie Mac that the loan max is under the below loan limits. Any loan amount […]

2017 VA Home Loan Limits MN Conforming Loan Max MN

FHA Loan Limits MN 2017 – Updated!

FHA Loan Limits MN FHA loan limits are one of the FHA Loan Requirements. Related: Low Down Payment Mortgage Options – Conventional vs. FHA 2017 showed an increase in the Twin Cities Metro area for Single Family Homes, Duplexes, Triplexes, and Fourplexes. Median Home Sales Prices have increased in 2017 for Minneapolis and Saint Paul […]

1 Percent Down Payment - With Equity

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

1% Down Mortgage 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! See more Down Payment Options – Including FHA vs. Conventional or Purchase your home with just 1% MLS Mortgage Group is excited to offer the Conventional 1% Down (with Equity!) loan program […]

how much house can I afford max qualify 5 worksheet

Conventional, FHA, VA or USDA?

It can be difficult to navigate the myriad of home loan options available today. Especially when different Mortgage Companies offer different mortgage programs. We just added a ‘How Much House Can I Afford Worksheet’ to our guide to help home buyers explore their home financing options. They can compare their personal budget versus Conventional, FHA, VA […]

Home Buying Checklist-Buying a house

Buying a House-Home Buying Checklist

Home Buying Checklist Trulia compiled a simple, stress-free, free printable to help prepare for buying a house! Download the Home Buying Checklist The checklist suggests to: Gather Financials Research Mortgages Explore Neighborhoods Make a Home Shopping List Find an agent Start House Hunting Read the entire post.  

Debt to Income Ratio

What is Debt to Income Ratio? (DTI) – How much House can I afford Series

How Much House Can I Afford? – Home Affordability Series What is Debt to Income Ratio? (DTI) The Summary: Debt to Income Ratio is your monthly debt payments divided by your gross monthly income (expressed as a %). In the case of a home purchase, you would also include your new proposed monthly housing payment […]

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