Angie Gerhardson - Minnesota Mortgage Expert

Mortgage and Lending - LeaderOne Financial Corp. - NMLS #12007 - NMLS# 274125
My blog is all about mortgages and real estate with a spattering of community specific information about Cambridge, Minnesota, Isanti County, or surrounding areas. I will also have a few blogs about being a Mom in Real Estate and other personal items, but will only post to those specific groups. I hope you enjoy reading the spillage of my brain.
Will the Government Shutdown Affect My Loan? On Tuesday, October 1st, 2013, the Government Shutdown began.  Many areas of our economy have been affected including the housing market.   What do you do if you are one of the many potential homeowners or sellers currently in the middle of a sale?  Ho...
More often than not these days, we are working with clients who have little to no money to put down on a home.  Many of these borrowers are well qualified, but are just unable to save money because rents in the marketplace have become so high that their money is being tossed away each month for t...
In today's market, there are many refinance offers being made through all forms of media.  How do you choose which offer is the right one?  Which one is legitimate?  What loan program is right for you?  All of these questions can cause you to quickly become overwhelmed and, though this might be ...
Why do you need an escrow account? How does it work? Escrow accounts ensure that you have the funds you need all year to pay taxes and insurance on your home.    Escrow accounts are usually required because liens —most commonly called municipal liens or tax liens— can result if taxes are not pai...
If you are in the process of moving, you know that it is a stressful time and there are a lot of things that will need to be accomplished before the Moving Day actually arrives.  Don’t be stuck without a plan.  Use the checklist below to make sure you haven’t forgotten a thing.   Getting Ready t...
“What is your rate?” As a Mortgage Advisor for almost 15 years, this is the #1 question many of my clients ask when they call to look for mortgage financing. Since the rate affects the monthly payment amount, it’s not surprising that this is a popular question. Failure to get a lower interest rat...
In the real estate world, there are many networking opportunities. How do we choose which to participate in and which to leave alone? In our local areas, we have the option to be a part of the local Chamber of Commerce, Rotary Clubs, Lions, Jaycees, Non-profit organizations, etc... Then we have ...
  STEP 1: Pre-Approval and Mortgage Planning   We start by gathering the essential, basic information needed for pre-approval that you can submit to us by phone, internet, fax, or in person. This information pertains to the type of property you are purchasing, your assets, your income and your l...
  Enough with the gloom and doom about home ownership. Sure, maybe there’s more pain to come in the housing market. But there are still some very real, concrete arguments for owning a home versus renting. So here are 10 reasons why it’s good to buy a house.    1. You can get a good deal. This is ...
It is upon us again....the 33rd Annual Isanti Firefighter's PRCA Rodeo.  This is all part of the 2009 Isanti Rodeo Jubilee Days taking place July 9-12, 2009.  The Isanti Area Chamber of Commerce and the Isanti Fire Department Proudly Present this event along with many generous sponsors.  Here is...

Angie Gerhardson

Loan Officer - NMLS #274125
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