How to lower your debt to income ratio….

When you apply for a mortgage, your lender will examine your overall financial health. They will obtain a credit report, ask for proof of income, and calculate your debt-to-income (DTI)...
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How to save for a down payment…

You have decided you want to buy a new home but you do not have enough money saved up. What now? Here are some suggestions to help you save money,...
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Are you waiting for interest rates to drop back to the 3% range?

The reality is no one truly knows where interest rates are heading, we can all speculate, but every day things change! Think Twice Before Waiting for 3% Mortgage Rates Last...
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First Time Buyer Benefits

There are perks to being a first time homebuyer. There are many down payment assistance programs and low cost loans available to first time homebuyers.  One thing many buyers don’t...
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What to avoid doing when you are applying for a mortgage…….

Everyone always has questions when you start the mortgage process. And of course many people give you different answers! Here is some information that can help answer questions on what...
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What to expect in 2023?

As 2022 ends, we look forward to 2023 and hope the mortgage world is a little calmer than it was in 2022! There are a few things to look for...
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Fed makes a 50 basis point increase, what happens to mortgage rates?

As expected, the Federal Open Market Committee made their announcement at the end of the meeting this week – an increase of .50 as expected. They expect inflation to continue...
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How much do you need for a down payment?

Many buyers think you need 20% down and that is not true. You can buy a home with a conventional loan with as little as 3% down. So what is...
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Sharon and John Hensrud

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The HomesMSP Team is committed to meeting you where you are and listening… really listening to understand you so we can use our extensive knowledge of the market and local neighborhoods to give you personalized service.