We Can Now Help You Buy a Home Across the Country You've been thinking about it for a while. Maybe it's a little place on the water in Florida where you escape every February. Maybe it's a ski-in condo in Colorado that you've been pricing out in your head for three...
Rates and Headlines
Why a War Halfway Around the World Can Affect Your Mortgage Rate If you’re thinking about buying a home, you’ve probably noticed that mortgage rates can change quickly. Sometimes it feels like rates move for no obvious reason, but there is usually more going on behind...
Looking for a fixer upper?
Why Working With a Mortgage Advisor Who Is Also a General Contractor Changes Everything in Construction Lending Construction loans are not like traditional mortgages—and too often, they’re handled as if they are. At KPT Mortgage Advisors, we do construction lending...
Mortgage Decisions During Divorce
Certified Divorce Lending Professional in the Twin Cities: Mortgage Guidance When Life Is Changing Divorce is one of life’s most complex transitions—emotionally, legally, and financially. In the Twin Cities of Minnesota and across Western Wisconsin, many individuals...
2026 Mortgage Predictions for Minnesota & Wisconsin Homebuyers
The housing market across Minnesota and Wisconsin continues to evolve, and as we head into 2026, buyers and homeowners throughout the Upper Midwest are asking the same question: Is now a smart time to buy, refinance, or tap into home equity? The answer depends on...
Why a Trusted Local Mortgage Team Can Win Your Offer in Minnesota & Wisconsin
Let’s get real for a second. If you’re buying a home in Minnesota or Wisconsin, chances are you’re not the only one who wants it. Multiple offers are still very much a thing — and when that happens, your lender can absolutely make or break your deal. Not your rate....
Hidden Homeownership Costs in Minnesota & Wisconsin (and How to Budget for Them)
If you’ve owned a home for more than five minutes, you already know this: owning a house is amazing… and surprisingly expensive. Not in a dramatic, “what have I done?” kind of way—more like an “oh, that’s another bill?” kind of way. Whether you’re in Minnesota...
Should You Buy a Home in Winter? Why Cold-Weather House Hunting Can Actually Pay Off in MN & WI
Minnesota and Wisconsin winters aren’t exactly subtle. Snowbanks, frostbite-level wind, and cars that groan louder than we do in the morning — it’s a whole thing. So… who in their right mind would go house hunting this time of year? Honestly? More people than you’d...
Winterizing Your Minnesota or Wisconsin Home: Smart Upgrades That Pay Off
Let’s be honest—winter in Minnesota or Wisconsin doesn’t mess around. The first snowfall is beautiful… until it’s followed by a month of single-digit temps, icy driveways, and a heating bill that makes you do a double take. That’s when you realize: your house isn’t...
Year-End Mortgage Checkup: 5 Things to Review Before 2026
You know that feeling when November hits, and suddenly the calendar fills with school events, snow tires, and the first round of holiday chaos? It’s easy to get caught up in the rush—but before you close the book on 2025, there’s one more thing worth adding to your...
Why Fall Is the Perfect Season to Tackle Home Renovations (and How to Fund Them)
Something about fall just makes you want to get your house in order, doesn’t it? Maybe it’s the crisp air rolling in off the St. Croix River, the sound of football games on Sunday afternoons, or the way the Minnesota and Wisconsin leaves seem to set the world on fire...
Pumpkin Spice and Mortgage Advice: Why Fall Can Be a Great Time to Refinance
There’s something about fall in Minnesota and Wisconsin that makes you slow down and take stock of life. Maybe it’s the crisp air rolling in off the St. Croix River, the leaves flaming red and gold along Highway 35, or the smell of woodsmoke and pumpkin spice drifting...