first time home buyer programs mn: All this snow will make the market hot - 03/06/19 03:08 PM
Minneapolis, MN:  Are your tired of the snow yet?  Record amount of snow, including the most snow ever in February here in Minnesota, along with continued below average temperatures is expected to delay the local spring this year.
As many people, both buyers and sellers come out of the woodwork to purchase or sell a home in the spring, a delayed spring will probably mean a more compressed shortened 'spring' buying season, and therefore a more competitive spring market.
Understanding the markets, and being prepared for what this means can translate nicely into a more stressfree and happy transaction.
Be prepared to look at … (2 comments)

first time home buyer programs mn: Tips for MN First Time Home Buyers - 02/23/18 11:57 AM
Minnesota First-Time Home Buyer Tips
Minneapolis, 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 cash, you are going to need a loan. Finding and choosing the best loan and lender to handle the loan for you should not be taken lightly. Randomly taking to whoever answers the phone at  1-800 Big Bank, or thinking you can get a mortgage in 10 minutes … (0 comments)

first time home buyer programs mn: Down Payment Assistance Program in Minnesota - 09/12/17 11:51 AM
Face it, lack of down payment money is a huge obsticle for many potential home buyers. But we make dreams come true with our first time home buyer and down payment assistance loansWhat do these loan programs have to offer first time homebuyers in MN?
Down payment assistance helps you get into a home today.
30-year loans with affordable, low, fixed interest rates for the life of the loan
Interest-free loans to help with down payment and closing costs for eligible borrowers
Mortgage Credit Certificates - Which can be used to lower your taxes up to $2,000 a year.
You may … (2 comments)

first time home buyer programs mn: How higher mortgage rates effect you - 03/22/17 10:19 AM
Minneapolis, MN: Face it, The super low mortgage interest rates are gone. Higher mortgage rates are here already, and it is very unlikely we will see them go back down anytime soon. Rather, it is anticipated that we should see 30-yr fixed rates into the mid 5% range by the middle of 2018.
HIGHER RATES = LESS BUYING POWERAs interest rates creep up, your buying power, or the maximum house price you can afford, goes down. As a ballpark quick way to think about it, every rate increase of 1% will lower the maximum house price by 10%.
A $225,000 loan at 3.75% is $1042 … (0 comments)

first time home buyer programs mn: Down Payment Assistance Programs in MN - 03/08/17 07:16 AM
DOWN PAYMENT ASSISTANCE PROGRAMS IN MN- Tired of Renting?  Ready to become a homeowner?
- Have OK Credit and stable employment?- Have a few thousand in the bank?
- Have at least $1,000 of your own money for down payment? 
 
We Can Probably Help You Buy a Home! 
Mortgages Unlimited has been helping Minnesota first time homebuyers since 1991. We partner with the Minnesota Housing Finance Agency (MHFA) to offer safe and affordable home loans, including loans combined with down payment assistance.
 
Why Choose An MN First Time Home Buyer Loan? Below market affordable interest rates Special programs available anywhere in Minnesota Down Payment Assistance loans for eligible … (1 comments)

first time home buyer programs mn: Low 3% down home loans - 11/10/16 01:32 AM

Just 3% DOWN PAYMENT MORTGAGES for First Time Home Buyers.
 
Minneapolis, MN: Lack of down payment money is the biggest hurdle for most first time home buyers.  We eliminate that hurdle here at Mortgages Unlimited for low and moderate income buyers in MN, WI, and SD with the HomeReady Mortgage from Fannie Mae (R).
Conventional Loan - Low Down Payment Benefits: More people qualify. Just 3% down payment Ideal for first-time homebuyers, millennials, and low- to moderate income borrowers. Flexible sources of funds for a down payment, including gifts and grants. Income limits as high as 170% of area medium income – no limits in underserved areas. Mortgage Insurance drops … (1 comments)

first time home buyer programs mn: Minnesota First Time Home Buyer Programs - 10/14/16 02:29 AM
FIRST TIME HOME BUYER PROGRAMS in MNLet us help you pick the best mortgage loan from our many options

Our first time home buyer programs are designed to assist those buying a home for the first time. Our loan specialist will walk you through the entire home buying process to insure that you never feel without an experienced helping hand.
 
Mortgage loan programs like FHA Loans, VA Loans, FHA 203k Loans, USDA Rural Housing, and down payment assistance loans of all kinds are designed to make it a little easier for first time home buyers to achieve the dream of … (0 comments)

first time home buyer programs mn: Down Payment assistance in Minneapolis, MN - 09/28/15 05:52 AM
Minneapolis Down Payment AssistanceOwn Your own Home!The City of Minneapolis, in partnership with Minnesota Housing,  the Minnesota Homeownership Center, and Mortgage lenders like us here at Mortgages Unlimited are getting together to provide access to down payment assistance, quality, affordable mortgages and free, non-biased housing experts that can help you become a successful home owner!
Maybe you’ve thought homeownership wasn’t possible, or you didn’t know where to start. Maybe you thought your credit wasn’t good enough or you haven’t saved enough for a down payment. We can help!
Down Payment Assistance – Homeownership Opportunity Minneapolis
The City of Minneapolis wants to make affordable homeownership … (0 comments)

first time home buyer programs mn: 4 tips for First Time Home Buyers - 03/20/14 01:51 AM
4 tips for First Time Home Buyers in MN Minneapolis, MN: First Time Home Buyers don't know what they don't know... so they end up anxiously asking all of their family, friends, and the Realtor for financial advice. Because none of these people are Mortgage Loan Officers, they end up just hearing horror stories, and getting incorrect information, adding to their anxiety. Start Here:
Take a Peak at your Credit Report as early as possible. Your Credit is more important than having enough cash, or getting the best mortgage rate. Your credit rating, or LACK of credit rating will be the … (2 comments)

 
Joseph Metzler, Sr Loan Officer (Cambria Mortgage) Rainmaker large

Joseph Metzler

Sr Loan Officer

Saint Paul, MN

More about me…

Cambria Mortgage

Address: 33 Wentworth Ave E #290, Saint Paul, MN, 55118

Mobile: (651) 705-6261

Office: (651) 552-3681

Email Me

Mortgage industry news and insights from a 15+ year industry expert. Mortgage are Real Estate News You Can Use. Joe is a Certified Minnesota Mortgage Specialist, who provides home mortgage loans not only in the Minneapolis, St Paul area, but all of Minnesota and Wisconsin.


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