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Starting in 2025, new credit scoring models will be used by lenders to determine the creditworthiness of potential homebuyers. Fannie Mae and Freddie Mac will mandate the adoption of the new FICO Score 10T and VantageScore 4.0 by the end of the year. For those interested in buying a home,

Embarking on the journey of purchasing a new home in the Twin Cities is an exhilarating experience, particularly for first-time buyers. However, as time progresses, the process can become disheartening when each potential home fails to meet expectations. While maintaining a realistic outlook on available options and affordability is crucial,

Nestled in the heart of Downtown Saint Paul, Lowertown stands as a testament to the seamless blend of history and contemporary vibrancy. This neighborhood, once an industrial hub, has transformed into a dynamic community known for its rich cultural tapestry and unique charm. Let’s delve into the distinctive features that

In the face of escalating home prices, consumers are finding relief through recent announcements by the Federal Housing Administration, the regulatory authority for loan limits in conforming and government-guaranteed loan programs. Home loans are broadly classified into government-guaranteed, conforming, and jumbo lending products, with jumbo loans catering to larger amounts

Lowertown St. Paul, with its historic charm and vibrant atmosphere, has become a hotspot for urban living. As the demand for condominiums continues to rise, let’s take a closer look at some of the sought-after condo buildings in this dynamic neighborhood. Whether you’re a potential buyer or just curious about

In the realm of selling your home, undoubtedly, the goal is to establish an exceptionally welcoming ambiance. A highly effective strategy in achieving this is through the use of scents. Throughout generations, Realtors have consistently recommended the practice of baking cookies or breads to instill a comforting and familiar feeling