Jennifer's Blog

For the most part clients need a 580 minumum score to purchase or refinance a home. Lenders are looking for the middle of the three scores between Equifax, Transunion, and Experian. Having a 580 may get you qualified, but everyone knows the higher the score, the better rates and programs you may ...

This is exciting! Even if it doesn't pass, it is still exciting to talk about! I read in the newspaper yesterday that there is a push from major housing groups and housing lobbies, including the National Association of Home Builder for government to sign off on new temporary incentives for homebu...

I was doing a little research and came across this craigslist ad...I will not post names! This guy actually posted this ad: *****BEST MORTGAGE RATES IN TOWN!!!***** (MN) Reply toDate: 2008-11-10, 7:47PM CSTPlease take a moment to explain briefly what you are looking to do. I will get back to you ...

I just wanted to let you know of another alternative to FHA Financing and your straight Conventional 95% loans. FHA, VHA, USDA, and Conventional are usually your best programs when purchasing a home. You don't have to know anything about these programs, but what is generally important to the cons...

Hey Monticello Home Buyers, did you know there is still a great purchase program that you can get into a house in your area at 100% with NO MONEY DOWN? No, it is not too good to be true. There are certain programs that allow for 100% depending on the area and if you fall within a few income and c...

Happy Veterans Day! I am truly thankful to all those who have served, are serving, and will serve our great country of the United States! We are BLESSED! What a Wonderful Day to remind everyone that there are still  AWESOME opportunities of obtaining a VA loan if you have or are serving in the mi...

This Law was passed this past year, but I know there are procrastinators out there! I just wanted to remind everyone, including myself of this important law. I have family that was affected by Carbon Monoxide, and thankfully they are alive! 1.1 MN Statute 299F.50   Minnesota Statute 299F.50 requi...

I just wanted to re-iterate an excellent benefit of purchasing now that sometimes gets overlooked. This could come in handy for someone wanting to put money into fixing up a house or paying back a gift for down payment. First-Time Home Buyer Tax Credit at a Glance The tax credit is available for ...

If I can Accomplish your Goals NOW, will you move forward? Usually if you can accomplish someone's goals, they WILL move forward now. Occasionally it seems that you may accomplish someone's goals, and they still holdback. Is it fear, stubborness, or they just trained to always want better, even t...

First Time Home Buyer Checklist Have you gone over a "personal budget" to know where you have room to save and cut costs? Do you know what you can actually afford vs. what you "qualify" for? Do you know what your net worth is? Do you know what your credit scores are and what they mean? Have you b...