11 September

The iLoan Lock and Shop Program

Many buyers are concerned about rising mortgage rates and the implications on their plan to buy a home or sell their home and then buy another home.  The frequent question is, “Can I lock in my interest rate before I find my home?”  Typically one can’t do this until they have a fully executed purchase […]

28 April

Different Mortgage Types and What They Mean to Buyers and Sellers in a Competitive Market

This podcast outlines the differences between Minnesota mortgage pre-approvals and how they affect purchase transactions.  Homebuyers and home sellers can learn the risks and benefits of each different type and how they relate to their transaction.  This is essential information for understanding the implications of your choice on loan type for your purchase in a […]

19 March

If You’re Going to Claim to “Owner Occupy” Your Home, You Better Mean It

More and more, people are finding that their intent to occupy a home when getting a mortgage may not mean what they think it means.  More and more, loan officers are also finding out that it may not mean what they think it means.  One of the Mortgage Loan Officer national testing questions asked what […]

10 February

Gaining an Edge With the Best Homebuyer Education

This episode of the Twin Cities Real Estate Radio Show covers comprehensive homebuyer education and wraps it up in a bow called DoorSteps. Adam Duckwall Your St. Paul Digs Agent The Home Buyers Scouting Report® is provided directly to the buyer by HBM II, a licensed national real estate brokerage service company, not to or […]

9 February

5 Things I Wish All Homebuyers Knew Before Getting Their Mortgage

A good mortgage loan officer is like a financial psychiatrist for residential housing.  Years of training and experience are packed into our minds for the purpose of reacting correctly to buyers’ financial profiles, stories and desires.  The moral of the story?  All those years of training and experience are an empty value unless you put […]

23 September

How to Choose a Mortgage Lender When Buying Your Home

This episode of the Twin Cities Real Estate Radio Show covers different considerations when choosing a mortgage lender for a home purchase. Adam Duckwall Your St. Paul Digs Agent The Home Buyers Scouting Report® is provided directly to the buyer by HBM II, a licensed national real estate brokerage service company, not to or through […]

13 March

How to Choose and Calculate Your Private Mortgage Insurance (PMI)

Saving an eighth of a percent on interest rate can save a little on your monthly payment and shopping around on closing costs can save a little on your down payment but perhaps the most overlooked and costly mistake when buying a home is not choosing the right mortgage insurance if the down payment is […]

18 January

First Time Homebuyers – OK, Now What?

As a First Time Home Buyer it is like opening up a new IPad you just received from Santa.  You are excited to open the box, fire it up, but once it is out of the box you don’t even know what you don’t know about your new IPad.  The same generally apply’s to First […]

8 January

The Mortgage Process is Simply the Perfection of a Loan Application

Understanding the mortgage process is a constant frustration for consumers.  One can search the web and find all kinds of long articles breaking the mortgage loan process into anywhere between 6 and 9 individual steps.  Upon reading these, a consumer gets even more confused since each individual step is confusing in and of itself.  Unfortunately, […]

29 August

FHA’s Short Refi Program

The FHA Short Refinance Program has always existed in an unofficial form but became a formal program on December 16, 2009 with Mortgagee Letter 09-52.  It was “refined” on August 6th of 2010 with Mortgagee Letter 2010-23.  It was designed to provide more mortgage options to those that owe more than their house is worth.  […]

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