Minnesota Mortgage Blog - Mortgage and Real Estate News You Can Use

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Mortgage and Lending - Cambria Mortgage - NMLS 274132
Mortgage industry news and insights from a 15+ year industry expert. Mortgage and Real Estate News You Can Use
The truth about inquiries on your credit report (it isn't what you think).Minneapolis, MN: As a Licensed Mortgage Loan Officer, I pull and review thousands of credit reports every year. The confusion from the general public about what inquiries are, and how they effect your credit is overwhelming...
Best CHECKLIST - Shopping for a mortgage loansMinneapolis, MN: Face it, few of us can pay cash for a home, so you are going to need a home mortgage loan. A little bit of information can go a long way into determining who to use for your financing and why.Mortgage Loan TypesMost people will end up...
REFINANCE your existing mortgage loan - When and Why Minneapolis, MN: The first rule in refinancing your home is that there are NO RULES. You should refinance if it makes sense for you. Many people still think the "Rule Of Thumb" is that that if you could lower your interest rate by 2% or more th...
CREDIT SCORE TIPSAre you making this credit score mistake?  Many people are.Many people believe that needing to run up credit card balances, then making on time payments or paying it in full each month will build higher credit scores. This is a MYTH!You don’t need to carry a balance or use your c...
Minneapolis, MN: People buy homes all year around, but especially in colder climates, home sales numbers falls in the fall and winter months, then picks up dramatically in the spring.Fall and Winter are great times to buy a home.While coming out of hiding inside from the winter, and feeling the i...
With the latest hack of personal information from Equifax, one of the big three credit bureaus, the topic of freezing your credit report to prevent identity theft is back in the news.Having a credit freeze on while getting a mortgage loan can cause huge headaches.A credit report freeze, does exac...
When buying or refinancing a home, what is best, getting the lowest interest rate, or the lowest closing costs?I know what you are saying - Getting both the lowest interest rate AND the lowest closing costs would be best, but shop till you drop, you can't get both!First, we need to do a little ba...
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 h...
Minneapolis, MN: No one likes having dings on their credit report, but let's face it, sometimes it is impossible to avoid. When credit dings happen, it is important to work on getting back into the credit good graces, as it effect so many things in your life, from ability to get a mortgage loan, ...
Home buyers, especially first time home buyers, commonly fail to understand all the costs involved in buying a home.  Everyone understands down payment, so no issues there. But mortgage loan closing costs are a whole different story. I often hear potential home buyer comment that they thought the...

Joe Metzler

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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.