Everything was done above my expectations. People were extremely friendly and prompt with answers.
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Cities
CU Member
This was a great experience. Your staff was terrific!
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City-County
FCU Member
I found the staff to be very friendly and professional, I like that. Thanks for all your help.
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NSP St. Paul
CU Member
We recommend you to all our friends and family.
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Carpenters
FCU Member
Why You Need a Realtor
Purchasing a home is a milestone in anyone's life. Be prepared and have an advocate that has your best interest in mind.
Real estate agents are negotiators and will help you make your offer and counter offers to get you the best deal.
Agents have worked with thousands of people, they can get a general sense of how well the deal is going and they understand the market place
Your agent is a vault of knowledge, tap into that know-how whenever possible
And they are first-time buyer specialists
Don't get sucked in by the bells and whistles of larger firms. Bigger is not always better.
Do the research. Know your company is ethical and has your best interest in mind.
And finally make sure you know the commissions and fees of the realtor. You don't want to be taken advantage of.
Don't do this alone. For more information please visit the resources section of our website.
Benefits to a First Time Home Buyer
A first time home buyer loan provides the buyer the ability to get a loan more easily. However, just because you are a first time home buyer you may not be eligible for a special program. Do your research. Some programs have restrictions and strings attached and my not be the best option for you.
Reasons When Refinancing Your Mortgage Makes Sense
A homeowner's largest monthly expense is usually the mortgage payment. Quite often, this expense can take as much as two week's worth of paychecks, depending on the size of the mortgage. Unfortunately, this huge expense limits how much a homeowner can spend elsewhere.
If you are planning to buy your first home or are moving to a new home we can help you navigate through the options available.
First ask yourself, "am I ready to buy?" As any financial advisor will tell you - look at your budget and determine what you can afford. Purchasing a home forces you to take analysis of your credit and can be one of the most important and impactful financial decisions you will make.
Home sales continue to improve according to the November Minnesota Housing Report released by the Minnesota Association of Realtors. Many experts and those involved in the industry continue to note that lower inventory levels and increased absorption of the existing inventory are the keys to a housing recovery.
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