Living near water is a dream for a lot of people. There is something about water that calms us, gives us a sense of tranquillity. For some, it is about the sound of waves crashing on the shore or the soothing sound of a river rushing by. For others, it is about the natural beauty of living near water, the views, and the spectacular sunsets. Still, for others, it is about the laidback lifestyle and holiday feel of living near water. Location, location, location!Location is everything in real estate. In addition to the basic human desire to live near water, buying waterfront property is has other attractions. Waterfront properties indeed tend to cost more than properties elsewhere - this is a factor of supply and demand. There is more land that is not near water than land that is adjacent... 11/19/2021

Historical mortgage rate trendsOver the years, mortgage rates have reached shocking highs, and amazing lows. From the high of 18 percent in the early 1980s, to current rates around 3.00%.  Here is a summary of the average 30-year fixed mortgage rate for the last 10-years: 2021 YTD Year 30-year fixed-rate average 2021 * 3.15% 2020 3.38% 2019 4.13% 2018 4.70% 2017 4.14% 2016 3.79% 2015 3.99% 2014 4.31% 2013 4.16% 2012 3.88% 2011 4.65% 2010 4.86% 2009 5.38% 2008 6.23% What rate are you at?Explore our free Mortgage Checkup calculator to see if refinancing makes sense for you. -----------------------------------If you’re ready to learn more about home financing options, … Our team at Cambria Mortgage is here to help! Connect with one of our trusted Mortgage Loan Officers today by calling (65... 11/09/2021

Why Won't Some Clients Respond to an Electronic Signature Request?Here's something that puzzles me to no end. I have clients who will open a DocuSign email request, read it, and then simply ignore it. Why?Virtually all of the documents I sent out for electronic signatures from the recipient are contract documents. I tell my clients, "Please check your email inbox for one or more requests for your signature and date on an important document". Why would a would-be party to a transaction want to open a document, read it and then ignore it? I've tried placing stuff like "URGENT" or "SIGN AND RETURN IMMEDIATELY" in the subject line of these messages, but those efforts seem to have no effect on recipientsIf you have any tricks or advice that might induce an electronic signature recipient to w... 11/03/2021

Minneapolis, MN:  Smart people know to shop at least a few mortgage lenders when buying or refinance a home. The typical search these days is done on the internet via your favorite search engine.You are quickly bombarded with results like Best Mortgage Lender, Top Mortgage Lenders, 10 Best Mortgage Lenders, Best Online lenders, Best Mortgage Rates, Best VA Lenders, Best FHA Lenders, Top Mortgage Brokers, and more. All results are from suspect web sites, and never from any reputable site.Clicking on most of those links sadly does not bring you to any sort of unbiased accurate ranking of mortgage companies.Instead, most bring you to sites that appear to rank lenders, but in reality, are phony paid advertising web site that always seem to show the same pack of big internet lenders. As you ... 11/03/2021

Increase your sales with special investor financing.  Our popular "common sense" approach to no documentation investor loans are designed specifically for investors wanting to buy more properties, but who may have trouble with standard financing due to write-offs on their tax returns.  Basic qualification is simply the monthly rent is higher than the loans PITI payment *:  Learn more about our No Doc Investor Loans here   Not only do we do all your standard loans, we are your NON QM loan experts for MN, WI, IA, ND, SD.  We also have asset based loans, and bank statements for qualifying income loans for the self-employed client.   * Other Features: No income required No employment needed No Tax Returns / No 4506 Loans up to $2,000,000 Scores as low as 660 Minimum 20% down payment Must al... 11/01/2021

The members of the 2021 list of Super Mortgage Professionals™ have been identified and have been published in the November issues of Minneapolis. St. Paul Magazine and Twin Cities Business Magazine. Cambria Mortgage is pleased to announce that eight Loan Officers made the list and are among the top 2 percent of mortgage professionals in the Minnesota, Twin Cities market, including Joe Metzler, from our St Paul, MN Office. Joe is a multi-year award winner. Each 2021 Super Mortgage Professional™ has been evaluated by their homebuying clients who have recently purchased a home for $150,000 or more. They are critiqued on the level of client satisfaction provided and the likelihood of being referred to a friend. Mortgage professionals can only appear on this list by nomination; no mortgage ... 10/29/2021

You’ve bought a house and you’re ready to move in. But despite how eager you may be to start the next chapter in your life, there’s a critical part of preparing your new home that can’t be overlooked: cleaning.We know. The previous owners probably cleaned before they left. But do you really want to leave it to chance that there aren’t any hidden allergens or pollutants hanging around? The only way to be sure is to do a thorough cleaning yourself and take any measures necessary to boost air quality.Before you show up with the moving truck, you want to make sure your new home is clean and healthy. At The Weiland Group, we thrive on helping our clients get the most out of their home purchase, which is why we’ve provided these simple-yet-significant cleaning tips:Embrace Air PurificationIt’... 10/15/2021

Remote work has become increasingly popular. According to a survey, about one out of four Americans worked from home in 2021. If you want to join the ranks of remote workers or if you own a small business, it's time to think about your home office. When you need a new or upgraded workspace, you have three options: create a space for work, build an addition, or expand to a bigger place. What to Do Without a Home OfficeNot everyone has the extra room for a home office. Some remote workers choose to convert the dining room into an office or place a desk behind the floating sofa. They may take an empty closet, remove the doors, and place a desk within it to create a makeshift office. There's no limit on what you can convert into a home office with the right amount of creativity and ingenuit... 09/10/2021

Minneapolis, MN: Mortgages guaranteed by the Department of Veterans Affairs ( VA Loans ) were among some of the most popular home loan last year, as thousands of current and former servicemen and servicewomen used the program to buy or refinance their houses. New Legislation Expands EligibilityUnder new rules, members of the National Guard and Army Reserve who have been activated in response to the COVID-19 outbreak, recent civil disturbances and natural disasters are now eligible for VA mortgage loans with nothing down. Previously,  these servicemembers needed at least 90 days of consecutive active-duty service to qualify, or to have been in the National Guard or Reserves for six years. Under the new law, and estimate 37,100 more are now eligible, including the 26,000 or so who were ca... 08/27/2021

Minneapolis, MN: We all know closing costs can be pretty expensive when getting a home mortgage loan.  You may have also seen advertisements for no closing costs, and no lender fee loans, and wondered how it all works. Read more, as I shed the bright light on how lending really works.Real or a Scam?Well, low cost, no cost, and no lender fee loans are real, and they are not officially a scam, but they are a very misleading slight of hand type of creative advertising.You see, all lenders have basically the same closing costs.  Most costs are what is known as third part fees. This means these closing costs associated with the loan are charged by someone other than the lender who is involved in the loan process.Common items include:Appraisal, credit reports, title company fees, title insura... 07/28/2021

Minneapolis, MN: It’s no secret that our world operates on the principle of instant, fast and seamless. To be expected… Client, realtor and lender expectations are built on the same foundation. As a company, we are proud to offer the tools and technology that allow us to meet and exceed the expectations of the modern consumer. We have what clients, realtors and lenders are raving about… The Cambria Mortgage Mobile App. To continue to offer the absolute best experience possible as the industry rapidly changes, we launched a brand new mobile app and online loan application in the beginning of 2021. Here are just a few of the main features of the Cambria Mortgage Mobile App that have buyers and industry leaders hooked:Flexible Loan ApplicationUsing the Cambria Mortgage Mobile App, clients ... 07/27/2021

Over the past 18 months, many hardworking people and businesses have suffered economic losses through no fault of their own.  Some have failed to file tax returns or even pay their taxes.  During the pandemic, the IRS temporarily ceased collection activity.  Due to increased funding and a need to pay for some government actions, the IRS is ramping up their collection efforts.  Using a myriad of techniques including artificial intelligence (AI), the IRS is identifying and pursuing high income (over $100,000 income) non-filers. The IRS is a collection agency, they have many tools at their disposal, the most effective of which are liens and levies.   So, what happens when your client’s assets are encumbered by a Notice of Federal Tax Lien, and they want to sell their house?Take a deep brea... 07/22/2021

Minneapolis, MN: If you’re like many millennials, this pandemic has made you reevaluate your current living situation and wonder if you are ready for a home of your own. It’s been an eye-opening year for sure. Despite being the group affected most by the economic downturn, millennials remain motivated to make a move. 2020 was a record-setting year when it comes to mortgage originations, especially among Millennials. In fact, in September, the Ellie Mae Millennial Tracker reported that 61% of all purchase loans this past July were made by homebuyers between the ages of 21 and 40. That’s a huge number, and an even bigger indicator of what’s next for the housing market. Here’s some things Millennials should know going into 2021:1) You’re likely more ready to purchase a house than you think... 07/13/2021

Minneapolis, MN: When in need of home financing, most people have no idea who to turn to for their mortgage.  Old school advertising, like radio and TV are still around, but in the digital age, we are now bombarded with ad's for mortgage companies all over the internet, and all your social media platforms, which can lead you to fall for the myth of better mortgage deals with big outstate internet lenders.So is it good to use a big internet lender?Will you get your loan?  Sure, but the reality is that most mortgage deals from the big internet lenders are actually worse, not better, than your local mortgage lender. Lots of advertising doesn't mean they have great rates. It usually just means they probably don't, as they have to charge you higher mortgage rates and closing costs to pay for... 06/29/2021

How much do I need for down payment when buying a home is a super common question, especially for first time home buyers.Unfortunately, there is no quick answer, as it varies based on many factors including loan type, property type, and credit scores. The easiest answer for most people is to not try figuring it out on your own, and to simply connect with a Cambria Mortgage Loan Officer to quickly review your personal situation, to get your personal answer.Basic down payment options include: Zero down payment for VA loans for our military personal, and for USDA rural housing loans. Standard conventional 30-yr fixed rate loans start at just 3% down, but you get better deals with bigger down payments. FHA loans start at just 3.50% down payment. Popular Minnesota down payment assistance loa... 06/17/2021

Minneapolis, MN: You've all heard mortgage interest rates are low. Quit throwing money away each month, and refinance with Cambria Mortgage.You can even take cash out for anything you want.Apply at https://tinyurl.com/ntt9zfk About Cambria MortgageOwned and operated by the family that provides luxury natural quartz surfaces, Cambria Mortgage is committed to the same standards of service, quality and integrity. A family-owned business in Minnesota, Cambria is the leading producer of quartz surfaces in North America. Cambria Mortgage is headquartered in Eden Prairie, MN. As a full service mortgage company, they offer a wide array of products, including Conventional, FHA loans, VA loans, Rural Development loans, and even Non-QM loans, like asset based loans, or bank statements for income p... 06/09/2021

ST PAUL, Minn., April 28, 2021 — Hometown mortgage lender Cambria Mortgage is pleased to announce the launch of the Cambria Mortgage Mobile App.With the introduction of this new secure and encrypted technology, borrowers can apply for a home loan in as little as five minutes directly from their smartphone. They are able to scan and upload documents securely with their phone’s camera; receive push notifications to stay on top of  the status of their loan as well as outstanding tasks; explore different loan scenarios; and easily connect with their Mortgage Loan Officer and Real Estate Agent. With the Cambria Mortgage Mobile App, our fully licensed Mortgage Loan Officers can work more efficiently and collaboratively with all team members leading to faster turn-times and shorter closing dat... 04/28/2021

I have just uploaded a 5min video on how to set up a payment with the IRS?There are 4 types of payment plan that the IRS offers, certain conditions have to be met. Here is the linkhttps://youtu.be/n9OUuAyN72gIf you or someone you know owe back taxes or needs help in setting up a payment plan with the IRS .Please feel free to contact me by phone  612 516 5878 or through email at joe.alabi@fishcontax.comJoe Alabi EA MAcct(Taxation)FishCoin Tax Solutions4124 Quebec Aven  04/05/2021

Home Shopping Tips in a Sellers MarketHands down, house hunting tends to be one of the most exciting parts of the home buying process. However, being unprepared can really take away from the experience. To ensure you have the best home buying adventure possible, we’ve cultivated 5 hacks that will have you house hunting like a pro. Hack #1 Be Specific & SelectiveYour time is extremely valuable, especially in this market. Before you are out and about looking at homes, make sure you are being selective with your choice in prospective properties. If you recognize that you absolutely need 3 bedrooms in a certain school district, search with those parameters in mind! You need to know what you are looking for and exactly how much you can afford.Connecting with a Joe Metzler Team Loan Officer a... 04/02/2021

Hello, I have just uploaded a 2min video on how to remove an IRS bank Levy?A taxpayer needs to realize is that a bank levy only attaches to what is in the bank account at the moment the levy hits.  Amounts deposited afterward, even the very next day, are not subject to the levy. Here is the linkhttps://youtu.be/p-TcoNYHXSU If you have any questions or concerns about how to release an IRS bank levy in the Twins Cities, MN, I would be happy to help.  Please feel free to contact me anytime at (612) 516 5878  or e-mal at joe.alabi@fishcointax.com 03/28/2021