You Must Be This Tall to Ride

Remember the sign at the State Fair rides? “You must be this tall to ride.” Standing in line only to be turned away was a letdown.

Buying a home can feel the same way if you find the perfect place, negotiate a deal and then learn you don’t qualify.

Here’s how to avoid that.

Meet with a lender first

Before you get serious, sit down with a trusted mortgage professional. You’ll learn your credit score, which affects your rate. You’ll spot credit issues while there’s time to fix them. And you’ll get a pre-approval letter that makes your offer stronger.

Then shop with confidence

Knowing your numbers keeps your search focused on homes you can buy, and helps you negotiate. I can recommend lenders I trust. Read Mortgage Pre-approval and Financing Your Home, then start with the buyer questionnaire.

A simple plan for your talking to a lender before you shop move

I’ve been helping people sell and buy homes across Minnesota, Wisconsin, and Florida for about two decades, and I build and remodel luxury homes too. I’ll help you see both what a property is and what it could be.

Getting the house ready, or making it yours

If you’re selling and want repairs handled before buyers see them, Super Crew Contractors can give you an estimate. If you’re ready for something custom, Ivy Lane Homes does luxury home building and remodeling. And a quick coverage check with Intrinsic Insurance before closing can save you a surprise. For the local picture, read my Chaska homes guide or browse neighborhoods in Chanhassen and Victoria.

Super Crew Contractors, Ivy Lane Homes and Intrinsic Insurance are owned by David Olson; you are free to use any contractor, builder or insurer.

Your next step in talking to a lender before you shop

Every move is different. When you’re ready to talk about yours, I’m a call or text away.

Please note: I don’t handle rentals or property management. I work with sellers and buyers, and that’s where I can help you most in talking to a lender before you shop.

Twin Cities market notes

Stay close to the market, without the noise.

Every so often I send a short, practical note: what Twin Cities homes did, prep tips that are worth the money, and neighborhoods worth a look.

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A few notes a season, never daily. Your email stays with me.

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I’m glad you’re here. A quick confirmation is on its way to your inbox. Whenever you want to talk about your own home or a move, I’m a call or text away.

— David