Minnesota Mortgage Blog - Mortgage and Real Estate News You Can Use

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Mortgage and Lending - Mortgages Unlimited, Inc - NMLS 274132
Mortgage industry news and insights from a 15+ year industry expert. Mortgage and Real Estate News You Can Use
Minnesota First-Time Home Buyer TipsMinneapolis, MN: Being a first time home buyer, and buying your first home is an exciting time. There is no reason to be worried, and here are a few tips to help guide the way.STEP 1:Find a lender - Get Pre Approved for a Mortgage Loan.Unless you are paying cas...
Many people get their credit score from places like Credit Karma, and off their credit card statements. But are these your real credit scores?The answer is YES and NO. Yes, they are a real credit score, but you may get a very different score when your credit is reviewed by lenders.CONFUSED ABOUT ...
The danger of automated mortgage pre-approvals via your cell phone Can you get pre-approval in 10 minutes on your cell phone? Yes. Should you? Probably not. It's 2018 as I write this, advancements to our lives, along with instant gratification is everywhere. Why go to the store when you get bette...
The closing costs are 3% myth debunked I just heard it again, a Real Estate Agent saying average closing costs to obtain a home mortgage loan are about 3%. This simply is way too broad a statement about actual closing costs. As an actual Minnesota mortgage lender for the past 26-Years, the percep...
The truth about inquiries on your credit report (it isn't what you think).Minneapolis, MN: As a Licensed Mortgage Loan Officer, I pull and review thousands of credit reports every year. The confusion from the general public about what inquiries are, and how they effect your credit is overwhelming...
Best CHECKLIST - Shopping for a mortgage loansMinneapolis, MN: Face it, few of us can pay cash for a home, so you are going to need a home mortgage loan. A little bit of information can go a long way into determining who to use for your financing and why.Mortgage Loan TypesMost people will end up...
REFINANCE your existing mortgage loan - When and Why Minneapolis, MN: The first rule in refinancing your home is that there are NO RULES. You should refinance if it makes sense for you. Many people still think the "Rule Of Thumb" is that that if you could lower your interest rate by 2% or more th...
CREDIT SCORE TIPSAre you making this credit score mistake?  Many people are.Many people believe that needing to run up credit card balances, then making on time payments or paying it in full each month will build higher credit scores. This is a MYTH!You don’t need to carry a balance or use your c...
Minneapolis, MN: People buy homes all year around, but especially in colder climates, home sales numbers falls in the fall and winter months, then picks up dramatically in the spring.Fall and Winter are great times to buy a home.While coming out of hiding inside from the winter, and feeling the i...
With the latest hack of personal information from Equifax, one of the big three credit bureaus, the topic of freezing your credit report to prevent identity theft is back in the news.Having a credit freeze on while getting a mortgage loan can cause huge headaches.A credit report freeze, does exac...

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