What’s in a Mortgage? Breaking Down Your Monthly Payment In simple terms, a mortgage is a long-term loan that helps buyers purchase a home without needing to pay the full price upfront. For many, it’s the path to homeownership—and a key part of achieving the American Dream. Once you own a home, your

Foreclosures and Short Sales Explained: A Twin Cities Buyer Guide Foreclosures and short sales can create opportunity for buyers—but they also come with added complexity, especially here in the Twin Cities market. If you’ve heard these terms and aren’t quite sure what they really mean, you’re not al

Mortgage Rates Just Hit Their Lowest Point of 2025—Here’s What That Means If You’re Buying (or Selling) in 2026 If you’ve been waiting for a little good news on mortgage rates, we just got some. According to Freddie Mac’s weekly survey, the average 30-year fixed mortgage rate dropped to 6.15% at the

Should You Consider Buying a Home in the Winter? Here’s What the Data Says Should I consider buying a home in the winter? Yes. For many buyers, winter (especially post-holidays) can be one of the most strategic times to buy because you often face less competition—and as spring demand ramps up, price

How To Find the Best Deal Possible on a Home Right Now Want to know how to find the best deal possible in today’s housing market? Here’s the secret. Focus on homes that have been sitting on the market for a while. Because when a listing lingers, sellers tend to get more realistic – and, more willing

The Housing Market Is Turning a Corner Going into 2026 After several years of high mortgage rates and hesitation from buyers, momentum is quietly building beneath the surface of the housing market. Sellers are reappearing. Buyers are re-engaging. And for the first time in what feels like forever, th

4 Reasons Your House Is High on Every Buyer’s Wish List This Season When the holidays roll around, travel plans, family gatherings, and all the chaos of the season may make you think it’s better to pull your listing off the market or to wait until 2026 to sell your house. But here’s the thing. Waiti

This May Be the Best Time To Buy a Brand-New Home New home construction today is giving buyers something it feels like they haven't gotten much lately: a real shot at both the home they want and the deal they need. More brand-new options are on the market right now, and builders are rolling out ince

The 3 Housing Market Questions Coming Up at Every Gathering This Season                 Whether it’s at a family gathering, your company party, or catching up with friends over the holidays, the housing market always finds its way into the conversation. Here are the top three questions on a lot of p

Why Buying a Home Still Pays Off in the Long Run Renting can feel much less expensive and much simpler than buying a home, especially right now. No repairs, no property taxes, no worrying about mortgage rates – you just pay the bill and move on with your life. But here’s the part people don’t talk a

When to Sell: Why Winter Might Be the Perfect Time for Minnesota HomeownersWhen the snow blankets Minnesota and the air turns crisp, most people put thoughts of moving on hold. It’s easy to see why—showing a home in the winter can seem daunting, and conventional wisdom says to wait for the spring ma

Why So Many People Are Thankful They Bought a Home This Year Homebuyers are weighing their options right now, and they certainly have a lot on their minds. With everything going on in the job market, the economy, and more – there's a lot to think about these days. And maybe that’s making you wonder

The Top 2 Things Homeowners Need To Know Before Selling Here’s something you should know before you sell your house. The homeowners who win in today’s market aren’t the ones waiting it out or stepping back. They’re the ones who adapt from the start. A number of homeowners this year didn’t get the ou

Most Experts Are Not Worried About a Recession Homebuyers are watching the economy closely, and for good reason. Buying a home is one of the biggest purchases most people ever make. And some recession talk in the media has made a lot of would-be buyers second guess their plans. In the latest Lending

Twin Cities Real Estate Market Update: Fall 2025 The Twin Cities real estate scene is always buzzing with change, but this fall, there’s a special energy in the air. Whether you’re buying, selling, or just curious, here’s what’s happening across Minneapolis and St. Paul—and what it means for you. In

The VA Home Loan Advantage: What Every Veteran Should Know Right Now If you’ve served in the military (or if your spouse has), you have access to one of the most powerful homebuying tools out there. The chance to buy a home without having a down payment. Unfortunately, 70% of Veterans (that's 7 out

Your Guide to the Centennial ISD 12 Area: Lino Lakes, Circle Pines, Centerville & Blaine If you’re curious what makes the Centennial ISD 12 area such a desirable place to call home, here’s my take after spending 25 years living in the community and helping many clients buy and sell homes here. Cente

How the Current Government Shutdown Is Affecting the Twin Cities Real Estate Market for Sellers   How is the current government shutdown affecting you if you’re planning to sell a home in the Twin Cities?   With the government now in the midst of the longest shutdown in U.S. history, it’s natural to