mortgages unlimited: Tips for BNI Members - 03/14/09 10:23 PM
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mortgages unlimited: 2009 Housing Tax Credit, First-Time Home Buyer Credit. - 02/16/09 04:51 PM
Here is information pertaining to new Homebuyer Tax Credit that was recently passed by the Congress.  
While that has not yet been signed by the President, I wanted you to have this important information as soon as possible.
 
 
FIRST-TIME HOMEBUYER TAX CREDIT 
As Modified in the American Recovery and Reinvestment Act
Major Modifications in Bold.
February 2009
 

 If you are interested in a home loan contact Shawn Gerhardson with Mortgages Unlimited.
"Minnesota's Preferred Lender"
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mortgages unlimited: Charming 3 Bedroom Home in Cambridge, MN - 02/13/09 09:50 AM
100% Financing is available on this home to qualified buyers. If you are interested in a home mortgage on this or any other homes in Minnesota contact Shawn Gerhardson with Mortgages Unlimited.

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mortgages unlimited: Beautiful 4 Bedroom Home on 11.6 Acres in Braham MN nearly 3000 SQ Feet! - 02/13/09 09:46 AM
100% Financing is available on this home to qualified buyers. If you are interested in a home mortgage on this or any other homes in Minnesota contact Shawn Gerhardson with Mortgages Unlimited

 
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mortgages unlimited: 3 Bedroom Walk-Out in Rock Creek MN is now for sale! - 02/13/09 09:32 AM
100% Financing is available on this home to qualified buyers. If you are interested in a home mortgage on this or any other homes in Minnesota contact Shawn Gerhardson with Mortgages Unlimited.

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mortgages unlimited: 3 Bedroom Move-In Ready in Sandstone Minnesota - 02/10/09 12:09 PM
100% Financing is available on this home to qualified buyers. If you are interested in a home mortgage on this or any other homes in Minnesota contact Shawn Gerhardson with Mortgages Unlimited.

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mortgages unlimited: 2br - Hobby Farm In Willow River, Mn 100 Acres - 02/10/09 10:35 AM
100% Financing is available on this home to qualified buyers. If you are interested in a home mortgage on this or any other homes in Minnesota Contact Shawn Gerhardson with Mortgages Unlimited.
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mortgages unlimited: Historic White Bear Lake Home - 06/03/08 10:42 PM
 Home loan financing available from Shawn Gerhardson with Mortgages Unlimited in Minnesota.
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mortgages unlimited: Townhouse on golf course (Forest Lake MN) Great price! - 06/03/08 10:32 PM
 
Home financing available from Shawn Gerhardson with Mortgages Unlimited in Minnesota.
 
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mortgages unlimited: Great homes for sale in Cottage Grove MN - 05/29/08 10:36 PM
 
Home financing available from Shawn Gerhardson with Mortgages Unlimited in Minnesota.
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mortgages unlimited: Updated nice home across from golf course in Forest Lake, MN - 05/28/08 11:39 AM
Home financing available from Shawn Gerhardson with Mortgages Unlimited in Minnesota.
 
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mortgages unlimited: Gorgeous 20 Acre Hobby Farm in Braham Minnesota - 05/27/08 10:04 PM
Home financing available from Shawn Gerhardson with Mortgages Unlimited in Minnesota.
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mortgages unlimited: Gorgeous Property on 16 Acres Stanchfield MN - 05/20/08 09:37 AM
Here's another listing from Carrie Gibbs with Century 21 Moline
We love to help agents market their properties. For more information go to http://vkingfan.mymarketingbook.com/ … (0 comments)

mortgages unlimited: Links for fun things to do in Minnesota - 04/07/08 04:01 PM
Minnesota is a great place to live. Here are some of the most popular links for things to do in Minnesota
Information Courtesy of Shawn Gerhardson with Mortgages Unlimited
"Minnesotas Preferred Mortgage Lender"
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mortgages unlimited: Easy guide to home mortgage loans and advantages and disadvantages of them - 04/04/08 09:05 PM
Here is a simple chart that explains some home mortgage loans programs and the advantages and disadvantages they may have.In addition to standard loan programs  you may benefit by obtaining one of our many special programs:
Purchase your home with no down payment using Private Mortgage Insurance (PMI) or Lender-paid Mortgage Insurance (MI). Piggyback loans: 80-10-10 or 80-15-5. Avoid PMI payments by using Lender-paid MI. Debt consolidation programs. Home Improvement loans.  
Of course there are thousand of programs that fit into the catagories of home mortgage loans. If you work with an experienced mortgage professional you can find out which home mortgage loan right for you!
Information … (0 comments)

mortgages unlimited: TV Internet Mortgage Companies And The Fine Print - 04/02/08 10:08 PM
To all whom read this blog...
I think I speak for most mortgage professionals when I say that TV Internet ad's are walking a fine line with their advertisements. They seem to promise the world and have payments and interest rates that seem too good to pass up. The truth is you need to read the print.
Luckily for me I have and DVR (digital video recorder) so it is easy for me to pause and rewind things that I want to see basically anytime I need to. Most people don't have that luxury. Ever notice on some mortgage ad's the fine print … (2 comments)

mortgages unlimited: Need a referral to a business? We will be happy to refer someone to you! - 03/28/08 10:25 AM
It has always been our goal to serve as a Trusted Advisor for people in our community, beyond assisting with their home financing needs. Our objective has been to seek out and interview top business professionals in various fields who would be helpful to those around us.     We want to assure you that we take the trust you place in our opinion very seriously. Since one ill-advised referral is a negative reflection on us  that we simply cannot afford, We have carefully screened these individuals and businesses.
    Should you, a friend, or a family member be in need of any of the following services, it would be our … (0 comments)

mortgages unlimited: Foreclosure or Short Sales What does it do to your credit? - 01/30/08 03:58 PM
Foreclosure or Short Sale ? What does it do to your credit? 
Most places around us today clamor with foreclosures or short sale speak!  What is better, what is worse?  How do these impact one's credit??
For a borrower to choose, most of the time, they are in need of advice.Should they approach their lender and discuss options if in trouble?  Absolutely!  My recommendation is to be proactive, do not place your head in the sand. If you foresee challenges, call the lender and discuss what options that they may offer.  Make sure that you understand  each option and request those options in writing. If … (1 comments)

mortgages unlimited: Fed Rate Cuts by .75% (What does it mean?) - 01/22/08 09:48 AM
One of the most frustrating things for us in the mortgage industry is what I consider to be the very poor job the media does in educating the consumer on what the Federal Reserve is really about. Typically, you grab the newspaper and you see that the Fed lowered interest rates. Then the phones in my office start ringing because everybody thinks the normal and natural translation is that mortgage rates have subsequently been reduced as well. I will tell you more often than not the opposite has occurred. There are some very specific reasons for that, and I would like to share those … (1 comments)

mortgages unlimited: New changes for Credit Scoring (If your in real estate you must read this!!!) - 01/11/08 09:12 AM
How is FICO 08 going to affect you?? 
Fair Isaac Corporation, the company that cooks up credit scores for millions of Americans is changing its recipe and that could affect how easily you get credit in the future.
As the maker of the popular FICO credit score used by most lenders, Fair Isaac says its new scoring model will do a better job predicting the likelihood of a borrower defaulting on a loan. For one thing, the new model, dubbed FICO 08, will be more forgiving of occasional slips by consumers, but will take a harder line on repeat offenders.
Fair Isaac predicts … (11 comments)

 
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Shawn Gerhardson NMLS#274129 Minnesota & Wisconsin #1 Mortgage Expert

Cambridge, MN

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Waterstone Mortgage NMLS#186434

Address: 140 Birch Street North, Suite 103, Cambridge, MN, 55008

Office Phone: (763) 691-0202 x 2

Cell Phone: (763) 245-6149

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Professional Mortgage Advice, Looking out for your best "interest". Your Minnesota Mortgage Specialist!


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