Michael Upton

Michael Upton Personal NMLS 2766688
Company NMLS 174457

The 20% number is the most repeated bad advice in home buying. Conventional loans go as low as 3%. FHA goes to 3.5%. VA ...
09/03/2026

The 20% number is the most repeated bad advice in home buying.

Conventional loans go as low as 3%.
FHA goes to 3.5%.
VA and USDA can go to zero.

Comment DOWN and I’ll send you the real minimums by loan type.

09/02/2026

These two terms get used like they’re interchangeable. They’re not even close. If you’re about to start looking at houses, get the real one.

Comment PROOF and I’ll send you what pre-approval actually requires.

09/01/2026

People treat VA zero-down like a coupon. It’s not a coupon. It’s compensation. Comment STRATEGY and I’ll break down how to actually use it right.

08/31/2026

Your home equity isn’t just sitting there for decoration.

A HELOC lets you borrow against what you’ve already built — use it for renovations, debt consolidation, or your next move. It’s a line of credit, not a lump sum, so you only pay interest on what you actually use.

Not sure if it’s the right tool for your situation? That’s what strategy sessions are for.

DM EQUITY and I’ll walk you through it.

Strategy over guesswork

Awesome weekend! 🇺🇸 🎣 ☀️
07/06/2026

Awesome weekend! 🇺🇸 🎣 ☀️

Every loan has a story. I’m grateful to have been part of this one. Thank you for the amazing review and your trust thro...
07/01/2026

Every loan has a story. I’m grateful to have been part of this one. Thank you for the amazing review and your trust throughout the process! 🏠

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Main Street
Bismarck, ND
58501

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+17012403389

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