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

2026 Housing Market Prediction | Mortgage Rates & Home PricesHousing Stagnation to Continue Through 2026 as Affordability Crisis Drags On, Realtor .com PredictsMinneapolis, MN: The U.S. housing market will remain sluggish through 2026, with only marginal improvements in sales activity and rates s...

When mortgage rates were at 3%, people were not getting housing deals.Here’s why: Bidding wars on every decent house. $400k homes listed for $440, and sold for $480k. Cash offers beating out financed buyers. No inspections in order to win (dangerous) You paid LESS interest but way MORE for the ho...

Minneapolis, MN:  If you’re financing a 1-8 unit rental property with a DSCR (Debt Service Coverage Ratio) loan, you need to be aware of a critical industry distinction that could make or break your deal. While these loans are technically for business purposes, they are fundamentally residential ...

3 Common Deal-Killers in Today’s Market (And How We Solve Them Together)In today’s fast-paced market, a signed purchase agreement is a huge win—but it’s only the first step. We both know the real challenge is getting that deal to the closing table. As your mortgage partner, my goal is to be your ...

What Causes Mortgage Rates To Change? Insights from the Joe Metzler Team in St. Paul, MNMinneapolis, MN: If you’ve ever shopped for a mortgage, you’ve likely noticed something frustrating: the rate you were quoted in the morning might change by the afternoon. At Cambria Mortgage’s Joe Metzler Tea...

🏡 First-Time Home Buyer in the Minneapolis / St Paul area? Let a Local Expert Help!Feeling overwhelmed by mortgages, down payments, or today’s market? You’re not alone—and you don’t have to figure it all out by yourself.Reach out to Cambria Mortgage, right here in our community! Their loan expert...

Overcoming the “School Year” ObjectionMinneapolis, MN: As your buyer clients navigate back-to-school chaos, they might think the window for a moving has closed. Your job is to show them it’s just opened. Autumn isn’t just a good time to buy—it’s a strategic opportunity, and it’s perfectly feasibl...

Understanding Mortgage Escrow Accounts: A Comprehensive GuideWhen you purchase a home with a mortgage, you may encounter the term "escrow account." While it might sound complex, an escrow account is a straightforward financial tool that plays a critical role in managing certain expenses associate...

Existing Homeowners, Don’t Wait to Make Your Next MoveMinneapolis, MN: If you’re a homeowner dreaming of moving to a new place—whether it’s a bigger space, a better neighborhood, or your forever home—today's interest rates and rising home prices might feel like insurmountable hurdles. But here’s ...

Navigating the 2025 Housing Market: Strategies for Homebuyers and SellersThe 2025 housing market is a dynamic landscape, with stable mortgage rates, rising inventory, and persistent affordability challenges shaping decisions for homebuyers and sellers.As of July 2025, national 30-year fixed mortg...