Posts by Chris O'Connell

This is literally the best first time home buyer program in Minnesota, ever! You can have a 600 minimum credit score, a minimum down payment of $500, and there’s no mortgage insurance. I can tell you right now that there is no better program available out there. After being a mortgage loan officer for over…

Current home owners have an important decision to make before buying their next home, which is deciding whether to sell their current home or keep it as a rental. Cashing out and selling is tempting because that windfall of cash can be life changing but keeping your current home as a rental property can have…

After more than a year of rising interest rates and thousands of buyers and sellers sitting on the sidelines, 2024 will see a big return of buyers, which is going to affect home prices and inventory in the Minnesota Twin Cities market. Here are you Minnesota Housing Market Predictions for 2024! Minnesota Home Buyers Demand…

If you’re a first time home buyer anywhere in the great state of Minnesota, you’ll want to know The BEST First Time Buyer Programs in Minnesota 2024 so you can go from renter to successful homeowner! What is a first time buyer program? These programs are to purchase 1-4 unit primary residences or single family…

A simple Google search for mortgage rate predictions for 2024 will tell you that most economists think rates will go down in 2024. But that’s what they’ve been saying and rates keep going up. What can you actually expect mortgage rates to do in 2024? There’s a case for rates going down in 2024 and…

Despite the expert predictions out there, next years housing market looks like more of the sameAnd by that I mean high rates and high prices. But that doesn’t mean you can’t get a low rate and an affordable monthly mortgage payment because you can, and here’s how… Is the Housing Market Competitive? The first thing…

Violent crime spiked in Minneapolis during the pandemic, in particular the murder rate in Minneapolis doubled from pre pandemic levels. The city is still struggling with heightened levels of violent crimes including rape, assault, car jackings and home invasions. How bad is the crime in Minneapolis? And is there any hope for the future? Murderappolis…

For many people, the first home that you buy is a stepping stone because if done right, it can be a powerful tool for your next home purchase. Your next home or second home could be bigger, in a better location, or your dream home. But there are 5 things you need to know if…

You’ve probably heard that buying a house is a great way to build wealth or investing in real estate can make you Millions but you may be one of the millions of people saying, “No thanks! It’s not because of mortgage rates, or a pending market crash, or that you’re trying to time the market.…

Are you considering buying a new home but find yourself overwhelmed by a wave of fears and concerns? You’re not alone. Many potential home buyers experience anxiety when entering the real estate market. However, understanding these common fears and knowing how to address them can help you make a confident decision when it comes to…