Yours or Theirs

It takes money to buy a home: yours or a lender’s. If you’re not paying cash, find out what you can borrow and what it will cost before you start touring.

Getting a mortgage takes paperwork and time, and it starts with your credit.

Here’s where to begin.

Check your credit first

You can get your credit reports from Equifax, Experian and TransUnion at no cost through AnnualCreditReport.com, the official site. Read them carefully. Errors happen, and some can affect whether you qualify or what rate you get.

You can dispute mistakes directly with the bureaus, and a good loan officer can help you understand what matters most and how to improve your score.

Talk to a lender early

A trusted mortgage professional can tell you what you qualify for, which loan fits and what to work on. I can recommend lenders I trust. Read Mortgage Pre-approval and Know Before You Shop, then start with the buyer questionnaire.

A simple plan for your financing your home 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 financing your home

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 financing your home.

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