Posts by Chris O'Connell

Believe It or not, Minnesota consistently ranks fairly high on the list of best places to live and is actually growing in popularity. In this article, I’ll explain why so many people are moving to Minnesota. If you’re not familiar with Minnesota, we’re more than just flannel shirts and snow shovels We also have tater tot…

If you’re stepping into the world of first-time home buyer programs, you’ve likely encountered a lot of information that can sometimes be confusing and even misleading. In this article, we’re embarking on a journey through the complex world of mortgages, shedding light on various first-time home buyer programs. Our goal is to help you pinpoint…

As a mortgage loan officer in Minneapolis, Minnesota, I’ve had the pleasure of engaging with numerous individuals from Texas who are making the move to Minnesota. As we delve into this topic, you might discover some intriguing insights about Minnesota that could surprise or resonate with you. Allow me to unveil the top five compelling…

There are many reasons why someone would move from the Golden State to the Land of 10,000 Lakes. Some of these reasons might surprise you and others might make you feel right at home. These are the top reasons Why So Many People are Moving to Minnesota from California. Politics Not that I want to…

Mortgage rates just spiked to the highest levels of the year leaving home buyers and even home sellers in a panic about what’s going to happen in the future. What everyone wants to know is, will mortgage rates go down in 2023? Which is exactly what I’m going to discuss. In addition, what can you…

In a stunning turn of events, the us government debt rating was just downgraded by one of the major credit rating agencies, citing “fiscal deterioration over the next three years, high and growing government debt burden, and the erosion of governance manifested in repeated debt limit standoffs and last minute resolutions.” Hearing this might get…

Florida has always been the go to state for palm trees and beaches and the state has experienced explosive growth in the last few years but now folks are ditching the sunshine state for the land of 10,000 lakes. I know what you’re thinking, who would want to ditch all those swamps and rising sea levels…

So you bought your first home in the last few years or you refinanced your home into all time low rates and now you want to move. But you don’t want to give up that sweet low rate and payment, what to do?My name is Chris O’Connell, I’m a mortgage loan originator, and as I…

Any one of these top 5 first time buyer mistakes can seriously jeopardize your home purchase. As a mortgage loan originator, I see people make mistakes all the time and I’m going to share them with you so you don’t make the same mistakes. #1 Waiting until the last minute to do your pre-approval You might…

The Federal Housing Administration just came out with the most affordable FHA loan ever! This could be an absolute game changer for many home buyers out there who are struggling to purchase an affordable home. There are 2 main reasons why this is such an affordable program and the biggest reason is, it’s a zero…