Hudson Murphy - Mortgage Consultant

09/08/2026

First-Generation Homebuyer Assistance is NOW OPEN! 🏡

Eligible Minnesota homebuyers could receive up to $32,000 in down payment assistance.

Funds went extremely fast the last time this program opened, so if you’re interested, don’t wait! Reach out as soon as possible and we can help you figure out if you qualify.

📲 Hudson Murphy | 651-276-2349
📧 [email protected]

07/25/2026

Want a little more confidence behind your next offer? 👀🏡

With Luminate Bank’s Close-On-Time Guarantee, eligible buyers can back their offer with a $15,000 guarantee to the seller.

If we don’t close the loan on time, Luminate Bank pays the seller $15,000.

For buyers, it’s another way to make your offer stand out. For Realtors, it’s another tool to help strengthen your buyer’s offer AND give your sellers added confidence when reviewing one backed by the guarantee.

Whether you’re buying, selling, or helping someone do either, let’s make sure you know what options are available!

651-276-2349 | HudsonMurphy.com | [email protected]

06/25/2026

One of the biggest misconceptions I hear is, "I'll reach out when I'm ready."

You don't have to have everything figured out before we talk.

Some of my favorite client conversations happen months before someone buys a home. We talk through questions, explore possibilities, and create a plan that fits their timeline.

If you're thinking about buying someday, wondering where you stand, or just looking for a starting point, I'd be happy to help.

Let's have the conversation before you think you need to.

06/23/2026

One of the biggest misconceptions I hear from buyers is that there simply aren't any homes available.

While that may be true in some areas, many markets are seeing more inventory and more opportunities than they've had in recent years.

If you've been sitting on the sidelines waiting for the "perfect" time to buy, it may be worth taking another look at what's happening locally. The best opportunities aren't always reflected in the national headlines.

While some areas continue to experience tight inventory, supply conditions can vary depending on location, price point, property type, and local economic factors.

06/18/2026

Whether you're saving for a down payment, building a home maintenance fund, planning renovations, or preparing for future housing expenses, small financial decisions made consistently can create real momentum.

A great place to start? Review your spending, identify a few convenience purchases you can reduce, and redirect those dollars toward a dedicated homeownership goal.

The path to homeownership isn't always about earning more, sometimes it's about giving your money a clearer purpose.

06/15/2026

Most home improvement projects don't start with a hammer.

They start with a question:
"Can we actually make this work?"

Whether it's a kitchen that no longer fits your lifestyle, a backyard you've been dreaming about, or repairs you've been putting off, the smartest renovations begin with a solid plan.

A little preparation upfront can help you avoid budget surprises, prioritize the projects that matter most, and make confident decisions along the way.

What's the one project you'd tackle this summer if budget wasn't a factor?

https://www.luminate.bank/how-to-finance-your-home-improvements-this-summer

Homeowners have more options than ever when it comes to financing home improvements, find a solution that fits both your project and your long-term financial goals.

06/11/2026

Just closed! 🏡

This client was ready for a change but needed a strategy to make the timing work. By exploring a few different options and putting the right plan in place, we were able to help him move forward with confidence and secure their next home.

Every transaction comes with its own set of challenges, and finding solutions that help our clients reach their goals is one of the best parts of what we do.

Congratulations on the closing, and thank you for trusting our team to help make it happen!

06/11/2026

An important question comes across my desk a lot:
"Can I avoid PMI without putting down 20%?"

And the answer is yes.

With a Piggyback HELOC, you may be able to:
Put just 10% down.
Avoid PMI.
Keep more cash in savings.
Access a line of credit that stays open after closing.

If you're wondering if this strategy can help you buy sooner (or buy the home you really want), I'm happy to walk through your options.

06/08/2026

Whether you're accumulating investment properties, consulting, or building your next venture, there comes a point when growth requires a stronger financial foundation. Separating your finances, improving cash flow visibility, and choosing the right banking tools can make a big difference as your business evolves.

In addition to a wide range of Non-QM offerings, I'd be happy to connect and share the broader ecosystem of what Luminate Bank offers our clients.

https://www.luminate.bank/your-side-hustle-is-growing-now-what

When you're an entrepreneur launching your next big idea, the right banking setup can help you spend less time managing finances and more time building your business.

06/05/2026

The Minnesota First-Generation Homebuyer Down Payment Assistance Program is expected to reopen soon!

Eligible buyers may receive up to $32,000 toward their down payment and closing costs, making homeownership more accessible for families across Minnesota.

🏠 Up to $32,000 in assistance
📍 Available statewide in Minnesota
💰 Up to 10% of the purchase price
📅 Forgivable over 5 years
✅ Income limits apply

Programs like this can be a game-changer for buyers who thought they needed more savings before purchasing a home.

If you have questions about eligibility, how the program works, or whether it could help you or someone you know, I'd be happy to help.

Reach out to learn more and get prepared before the program reopens!