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  • 2021 Housing Forecast

    What can we say about 2020 that hasn’t already been said on the late night shows, twitter and in every meme on the internet? To say the world is looking forward to 2021 is the ultimate understatement. While 2020 was a solid year in the housing [...]

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    Conforming loan limit increased for 2021

    Conforming Loan Limit Increases to $548,250 Minneapolis, MN: Fannie Mae and Freddie Mac have just announced an increase in the conforming loan limit for 2021 to $548,250. Up from the current limit of $510,450.   Conforming loans mean your [...]

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    Virus and lockdowns keeping mortgage rates low

    Minneapolis, MN: The economic recovery is in jeopardy due to the lack of consumer spending caused by corona virus lockdowns, lack of travel, fear, lack of getting together with family, closing of stores, losing of jobs, etc. This couldn't come at a[...]

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    3 reasons people stubbornly refuse to refinance

    Minneapolis, MN: Mortgage interest rates have been amazingly low the past 6 months, and according to a major data firm,  over 18 million people could benefit from a mortgage refinance, and cut an average of $304 a month off their current mortgage [...]

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    3 Tips when Buying your First Rental Property

    Thinking of buying your first rental property?  Looking back historically, most wealth in this country has been obtained though real estate, so there is plenty of good reason for you to buy real estate too. There are many considerations when [...]

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    Deferred student loans and mortgage debt-to-income ratio's

    A common question people applying for home mortgage loans is how does their deferred student loan effect mortgage qualifying First understand that while a student loan may be deferred, lender reasoning is that eventually you will have to start [...]

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    Mortgage rates return to record low for week ending 10/15/2020

    Mortgage rates return to record low The benchmark 30-year fixed rate mortgage averaged 2.81% percent with an average 0.6 points / origination for the week ending October 15, 2020, down from last week when it averaged 2.87%, according to the weekly [...]

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    Are there no closing cost refinance loans?

    The term "no closing costs refinance loans" is a bit of a misnomer. There is no such thing as a no closing cost loan. All loans have closing costs, but you have options on how to pay them. The vast majority of people doing a mortgage refinance [...]

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    Gift for down payment on 2nd home / Vacation home

    Buying a second home is something many of us dream about.  From  the ocean front condo to the lake home. Financing that dream is rather simple to understand for most people, that being that you simply need at least 10% for down payment, and can [...]

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    Is it a good time to buy a home?

    Wondering if it is a good time to buy a home? Minneapolis, MN: With all the is going on in the world with COVID 19, many people are asking if now is a good time to buy a home. The answer is probably yes as long as you are confident in your [...]

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