First-Time Homebuyers are Choosing Duplexes in MinnesotaWhat if your tenant paid your mortgage? First-time buyers in Minnesota can purchase a duplex with just 3.5% down, live in one unit, and rent the other. Collect rent while building equity. This article covers financing, Minnesota programs, the 12-month occupancy rule, and step-by-step timelines.Living Rent-Free While Building WealthWhen you buy your first home, instead of paying the full mortgage yourself, why not have a rent-paying tenant next door. You might even find someone familiar to be your neighbor and tenant. You might even know someone who owner-occupied a duplex rental property or did at one time. Living in a duplex that you own may be one of the smartest ways to start building wealth through real estate.For first-time ho... 10/26/2025

Beautifully Updated Home with Income Potential in the Heart of BuffaloWelcome to 107 2nd Ave NE Buffalo, MN 55313 click here for more detailsDon’t miss your chance to own this beautifully updated home just blocks from downtown Buffalo — where charm, convenience, and opportunity come together! The main level has been completely refinished with stylish LVP flooring throughout, giving the space a fresh, modern appeal. Bright and inviting, this level is truly move-in ready and perfect for comfortable everyday living.The lower level is a standout feature — a fully finished 2-bedroom, 1-bath in-law suite complete with its own private entrance, kitchen, and electrical panel. This setup is ideal for multi-generational living, a guest suite, or even an income-generating rental. With city approva... 10/23/2025

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 strategic ally, not just your funding source. Over the years, I’ve seen the same issues derail more transactions over and over. Let’s break them down and, more importantly, outline how we at Cambria Mortgage tackle them together to protect your hard-earned commission and your client’s dream home.Deal-Killer: The Appraisal GapThe Agent’s Nightmare: Your buyers pay over asking in a competitive bidding war, only to have the appraisal come in tens of thousands of dollars low. Suddenly, the lender wo... 10/10/2025

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 Team, serving St. Paul and the greater Twin Cities, we believe an informed borrower makes the best decisions. Here’s what really drives those daily—sometimes hourly—rate fluctuations.Mortgage Rates Change ConstantlyIt’s perfectly normal to see one or more rate changes in a single day. In fact, it’s unusual not to. A “rate change” isn’t always just the percentage; it can also mean a shift in the points required to secure that rate. A rate offered with “no points” in the morning could cost a quarter-... 10/08/2025

Relocating for a new job brings a mix of excitement and stress — there’s the opportunity ahead, but also a mountain of logistics to manage. You’re packing up routines, budgeting for unknowns, and trying to stay grounded through the chaos. Without a solid plan, the whole process can feel like trying to solve a puzzle while the pieces are still moving. But with some structure and a few smart decisions, you can reduce the pressure and keep your career momentum intact. This guide breaks down what to focus on so you can make the move work for your time, your money, and your future.Start with a Clear TimelineIt’s tempting to jump in and start doing — but moving without a basic timeline usually leads to missed steps and last-minute panic. Once you know your start date, begin mapping out what n... 09/20/2025

🏡 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 experts specialize in helping first-time home buyers like you navigate the entire process—from pre-approval to closing—with clarity and confidence.✅ Local expertise✅ Friendly, patient guidance✅ Tailored loan options👋 Your neighbors at Cambria Mortgage are here to help.👉 Get Your Free Consultation Now at FirstTimeHB.com or call (651) 552-3681.We lend in CO, FL, IA, MN, ND, SD, and WI. Cambria Mortgage, Equal Housing Lender. NMLS 274132, 322798This is not an offer to lend or to extend credit, nor is thi... 09/10/2025

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 associated with homeownership. This article explains what mortgage escrow accounts are, how they work, their benefits, and key considerations for homeowners. What Is a Mortgage Escrow Account? A mortgage escrow account, sometimes called an impound account, is a dedicated account managed by your mortgage lender or servicer to cover specific homeownership-related expenses. These typically include: Property taxes: Payments owed to local governments for public services like schools, roads, and emergency serv... 07/22/2025

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 the truth: waiting for the “perfect” market could cost you more than you think. It’s time to get off the fence and take action to secure your next home today!The current market may seem daunting, but hesitation could mean missing out on the home that’s perfect for you and your family. Interest rates are fluctuating, and home prices are climbing in many areas—waiting could lock you into even higher costs down the road. Plus, with inventory tightening, your dream home might not be available if you... 07/10/2025

What's My Edina Minnesota House Worth?Enter Your Address to Get Your Home Value Estimate!However, the actual value of your home will depend on a number of factors, including the condition of your home, the location, and the current market conditions. You can get a more accurate estimate of the value of your home by scheduling a In-Person Home Valuation Report.Here are some things to consider when getting Ready To Sell Your House: The condition of your home: A well-maintained home will be worth more than a home that needs repairs. The location of your home: Homes in desirable locations are worth more than homes in less desirable locations. The current market conditions: The value of homes can fluctuate depending on the current market conditions. You can get a free home valuation by enter... 06/03/2025

What's My Shakopee Minnesota House Worth?Enter Your Address to Get Your Home Value Estimate!However, the actual value of your home will depend on a number of factors, including the condition of your home, the location, and the current market conditions. You can get a more accurate estimate of the value of your home by scheduling a In-Person Home Valuation Report.Here are some things to consider when getting Ready To Sell Your House: The condition of your home: A well-maintained home will be worth more than a home that needs repairs. The location of your home: Homes in desirable locations are worth more than homes in less desirable locations. The current market conditions: The value of homes can fluctuate depending on the current market conditions. You can get a free home valuation by en... 06/03/2025

What's My Bloomington MN House Worth?Enter Your Address to Get Your Home Value Estimate!However, the actual value of your home will depend on a number of factors, including the condition of your home, the location, and the current market conditions. You can get a more accurate estimate of the value of your home by scheduling a In-Person Home Valuation Report.Here are some things to consider when getting Ready To Sell Your House: The condition of your home: A well-maintained home will be worth more than a home that needs repairs. The location of your home: Homes in desirable locations are worth more than homes in less desirable locations. The current market conditions: The value of homes can fluctuate depending on the current market conditions. You can get a free home valuation by enteri... 06/03/2025

What's My Chanhassen MN House Worth?What is your home worth in Today's Market? Enter Your Address to Get Your No Obligation Home Value Estimate!However, the actual value of your home will depend on a number of factors, including the condition of your home, the location, and the current market conditions. You can get a more accurate estimate of the value of your home by scheduling a In-Person Home Valuation Report.You can get a free home valuation by entering your address above, however, these estimates are just a starting point and should not be used as a substitute for a professional Home Valuation Report.#sellers #homevlaue #sellmyhouse #sellmyhome #sellerwanted #salespriceestimate 06/03/2025

What's My Eden Prairie MN House Worth?What is your home worth in Today's Market? Enter Your Address to Get Your No Obligation Home Value Estimate!However, the actual value of your home will depend on a number of factors, including the condition of your home, the location, and the current market conditions. You can get a more accurate estimate of the value of your home by scheduling a In-Person Home Valuation Report.Here are some things to consider when getting Ready To Sell Your House: The condition of your home: A well-maintained home will be worth more than a home that needs repairs. The location of your home: Homes in desirable locations are worth more than homes in less desirable locations. The current market conditions: The value of homes can fluctuate depending on the current mark... 06/03/2025

Free Home Value Report! What's My Minnesota House Worth?Enter Your Address to Get Your Home Value Report!However, the actual value of your home will depend on a number of factors, including the condition of your home, the location, and the current market conditions. You can get a more accurate estimate of the value of your home by scheduling a In-Person Home Valuation Report.Here are some things to consider when getting Ready To Sell Your House: The condition of your home: A well-maintained home will be worth more than a home that needs repairs. The location of your home: Homes in desirable locations are worth more than homes in less desirable locations. The current market conditions: The value of homes can fluctuate depending on the current market conditions. You can get a free home va... 06/03/2025

🏡 April 2025 brought strong results for single-family home sales in Plymouth, Minnesota, as the spring market kicked into high gear. A total of 80 single-family homes closed during the month—up 27% from March—showing clear momentum in buyer activity as families sought to lock in purchases before summer.The most active segment of the market was the $500,000 to $700,000 price range, which accounted for more than 60% of all closed sales. These homes offered desirable space, updated finishes, and locations in top school zones—making them a prime target for move-up buyers and families relocating to the area.________________________________________💰 Price Trends and Buyer Competition•    The median sale price for Plymouth single-family homes in April was $492,000, continuing a steady upward t... 05/04/2025

2 story home in Millers Woods AndoverCheck the the reel for this great homeWelcome to 15859 Olive St NW Andover MN 55304 click here for more photosDiscover Your Dream Home in Millers Woods, AndoverNestled in the heart of Andover, Millers Woods stands out as the only community in town with a pool—offering an exceptional blend of luxury, comfort, and convenience. If you've been searching for the perfect home in a sought-after neighborhood, this stunning residence checks all the boxes.A Kitchen Designed for EntertainingStep into a beautifully designed open-concept kitchen featuring rich cherry cabinetry, gleaming granite countertops, stainless steel appliances, and a spacious center island. Whether you're hosting a family gathering or preparing a quiet meal at home, this kitchen offers bot... 03/01/2025

Insurance Companies making getting a mortgage harderMinneapolis, MN: “The growing crisis in the insurance industry may make it hard to get a mortgage in parts of the country in the coming decades”, Federal reserve Chairman Jerome Powel correctly stated recently.The insurance industry, beaten up hard by large costly events, like hurricanes, and California wildfires, combined with the dramatic increase in the cost to fix cars, and rebuild homes, have had no choice but to dramatically increase premiums, severely limit coverages, or in some areas, leave the market altogether.Worse yet, insurance company reduced coverages are now conflicting with Fannie Mae and Freddie Mac underwriting guidelinesFor example, almost all homeowners insurance is switching to something known as ACV roof coverage... 02/13/2025

What's My Chanhassen MN House Worth?What is your home worth in Today's Market? Enter Your Address to Get Your No Obligation Home Value Estimate!However, the actual value of your home will depend on a number of factors, including the condition of your home, the location, and the current market conditions. You can get a more accurate estimate of the value of your home by scheduling a In-Person Home Valuation Report.You can get a free home valuation by entering your address above, however, these estimates are just a starting point and should not be used as a substitute for a professional Home Valuation Report.#sellers #homevlaue #sellmyhouse #sellmyhome #sellerwanted #salespriceestimate 01/25/2025

What's My Eden Prairie MN House Worth?What is your home worth in Today's Market? Enter Your Address to Get Your No Obligation Home Value Estimate!However, the actual value of your home will depend on a number of factors, including the condition of your home, the location, and the current market conditions. You can get a more accurate estimate of the value of your home by scheduling a In-Person Home Valuation Report.Here are some things to consider when getting Ready To Sell Your House: The condition of your home: A well-maintained home will be worth more than a home that needs repairs. The location of your home: Homes in desirable locations are worth more than homes in less desirable locations. The current market conditions: The value of homes can fluctuate depending on the current mark... 01/24/2025

5 Common Mortgage Myths DebunkedMinneapolis, MN: Buying a home might seem confusing, but don’t let these myths hold you back from finding your dream home!1) Myth: You need a 20% down payment. Fact: Loan programs start with zero for VA loans, or USDA loans, Many regular loans offer options as low as 3%-5% down! The average down payment is about 7%, and even down payment assistance for first time home buyers is available for some.2) Myth: You must have perfect credit. Fact: Good credit helps, and usually gets you better interest rates, but there are loan programs for a variety of credit scores.3) Myth: It is cheaper to rent than buy. Fact: With todays interest rates, renting may be slightly cheaper today in some areas, but you build zero in long-term equity, can't do what you want, can't ... 12/30/2024