If you’ve owned your Minnesota home for a while now, you’ve probably noticed a few things have changed—maybe it’s the market, maybe it’s your income, or maybe you’ve just got new goals on the horizon. Whatever the case, your mortgage doesn’t have to stay exactly the...
You hear it everywhere lately—“The housing market’s slowing down.” And for a lot of people, that sparks hesitation. Is it the right time to buy? Should I wait to refinance? What does it even mean for me? Here’s the thing: just because the pace has cooled doesn’t mean...
When it comes to building wealth and financial stability, few strategies are as time-tested as homeownership. While buying a home is often viewed as a major life milestone, it’s also one of the most effective long-term investments many people will ever make. Unlike a...
If you're dreaming about buying a home but keep hearing talk of a recession, it's easy to feel discouraged. Economic downturns can make even confident buyers second-guess their timing. Questions like “Will I still qualify for a mortgage?” or “Is it a smart move to buy...
Minnesota is famous for its peaceful lakes, wooded getaways, and seasonal escapes, making it a top destination for vacation homes. Whether you own a cabin in Brainerd, a lakefront retreat near Alexandria, or a cosy chalet up north, your second home is more than a...
Buying your first home is an exciting step, but it’s also one filled with questions, doubts, and more than a few misconceptions. If you’ve been putting off homeownership because of something you “heard” from a friend or saw in a headline, you’re not alone. At KPT...
Refinancing your mortgage can help you lower your monthly payments, secure a better interest rate, or tap into your home’s equity. One major decision you’ll face during the refinancing process is whether to opt for a fixed-rate mortgage or an adjustable-rate mortgage....
Divorce is one of life’s most challenging transitions, and when real estate is involved, the financial complexities can feel overwhelming. A shared mortgage adds another layer of difficulty, requiring careful decision-making to determine the best path forward. If you...
Retirement is a time to enjoy financial stability and the lifestyle you’ve worked hard to achieve. For many retirees, adjusting their financial situation to fit their new stage of life is essential, and refinancing a mortgage can be one way to do that. Whether the...
Buying your first home is an exciting milestone, but the process can also feel overwhelming—especially when it comes to securing financing. One of the most important steps in the homebuying journey is getting pre-approved for a mortgage. Mortgage pre-approval not only...
Investing in rental property is one of the most effective ways to build wealth and generate passive income. If you’re considering purchasing your first rental property in Minnesota, you’re entering a market filled with opportunity. From the vibrant urban landscapes of...
Refinancing your mortgage can open the door to significant financial benefits, such as lower monthly payments, reduced interest rates, or access to home equity. However, credit scores play a pivotal role in determining not only your eligibility for refinancing but...
