Bao Vue Mortgage Loan Officer NMLS# 2067845

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United States
Bloomington, MN
Bao Vue Mortgage Loan Officer NMLS# 2067845

Bao Vue, Sr. Mortgage Loan Officer
NMLS #2067845
SWBC Mortgage Corporation, NMLS #9741 Mortgage loan officer in the Minnesota and Wisconsin area.

06/01/2026

There’s nothing like the feeling of unlocking your front door for the first time! ? Happy to all the proud homeowners out there!🏠

05/27/2026

Do you have enough net profit to qualify for a home, or do you have too many expenses write off's? As a self-employed individual, it's important we discuss what lenders are looking for, so you have enough time to prepare. The consultation will not affect your credit and will not require an application. It is to discuss your readiness for homeownership.
Call/Text: 651-728-0295
Email: [email protected]
Website: www.swbcmortgage.com/bao-vue

05/25/2026

Today, we pause, remember, and give thanks to the heroes who sacrificed for our freedom. Your service will never be forgotten.

04/24/2026

Every closing tells a story and I’m thankful to be part of so many!

I’m honored to earn a spot on the 2026 Scotsman Guide Top Originators list thanks to the incredible clients, partners, and team members who helped make it possible.

Cheers to writing more stories together!

04/22/2026

Let's give you a clear picture of your potential pre-approval amount and discuss monthly payments. We will determine when it makes sense for you to buy a home. The consultation will not affect your credit and will not require an application. It is to discuss your readiness for homeownership.
Call/Text: 651-728-0295
Email: [email protected]
Website: www.swbcmortgage.com/bao-vue

04/20/2026

Answer: Good news—you don’t have to treat it like an investment property.
Homes purchased for an aging parent can qualify as an owner‑occupied primary residence, even if you’re not living there. That means better rates and as little as 5% down instead of investment‑property requirements.

04/16/2026

Answer: Home Insurance vs. Mortgage Insurance — they are NOT the same thing.
🏠 Home Insurance:
Protects you and your home.
>Covers things like fire, storms, theft, and liability.
>Your lender requires it because it protects the property (their collateral), but it also protects your belongings and finances.
🔒 Mortgage Insurance (PMI or MIP):
>Protects the lender, not you.
>Required when you put less than 20% down on a conventional loan (PMI) or
>when you use an FHA loan (MIP)
It helps the lender reduce risk—it doesn’t cover damage or repairs.
Easy way to remember:
➡️ Home Insurance = protects YOU
➡️ Mortgage Insurance = protects the LENDER

04/13/2026

Answer: So if you’re writing an offer, make sure those funds are ready to go.
It’s also important that your earnest money comes from your own seasoned funds (money that’s been in your account for at least 60 days).
Large, unexplained cash deposits can’t be used—lenders aren’t allowed to count those.
Being prepared ahead of time makes the offer process smoother and avoids delays once you’re under contract.

04/09/2026

Answer: Earnest money—sometimes called a security deposit—is your way of showing sellers you’re serious about buying their home.
When your offer is accepted, you put down a small deposit that’s held in a secure escrow account until closing. It’s not an extra fee—it gets applied toward your down payment or closing costs.
In most cases, if you back out for a reason covered in your contract (inspection, financing, appraisal), you can get it refunded. But backing out without a valid contingency may mean losing it.
It’s a simple but important part of making an offer—and it helps your offer stand out.

04/06/2026

Answer: This is a situation that comes up all the time—especially when two people are on the mortgage. Being on the mortgage does NOT make you an owner of the home. Being on the mortgage only means you’re financially responsible for repaying the loan.
If the other person misses payments, your credit takes the hit—even if you don’t live there and don’t benefit from the property.
And here’s the part most people don’t realize:
If the home is sold and your name is not on the title, you have no legal ownership and no rights to the profit, regardless of how many payments you helped make.
If you co‑signed for someone and assumed that meant you had ownership rights, it’s worth double‑checking. The mortgage and the title are two separate things—and they carry very different responsibilities and protections.

Address

8201 Norman Center Drive, Suite 420
Bloomington, MN
55437

Website

https://www.swbcmortgage.com/bao-vue

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