Alex Aerts, Mortgage Advisor

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United States
De Pere, WI
Alex Aerts, Mortgage Advisor

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Mortgage Advisor | Guiding homebuyers with clarity, education & a strategy-first approach. NMLS 2117071 | Luminate Bank NMLS 1281698
FDIC • Equal Housing Lender
(2)

Helping families build generational wealth through real estate — lending in all 50 states.

10/20/2026

One thing I always want buyers to know? The asking price is only one part of the conversation.

Depending on the home and the seller, there may be opportunities to negotiate closing costs or explore a temporary rate buydown, too.

If a move is on your mind before the end of the year, it's a good time to get your financing plan in place.

Is fall a good time to buy a house? Get familiar with seasonal housing trends, seller concessions, temporary buydowns, and tips for closing before the holidays.

10/15/2026

Between gifts, travel, family plans, and all the extra expenses that seem to just show up, it's worth looking at your full monthly cash flow before the holiday spending begins.

Take a few minutes to map out your mortgage payment, recurring bills, savings goals, and seasonal expenses. Knowing what needs to be covered first can make it easier to see what you have available for the fun stuff.

10/13/2026

Lowering the price isn’t the only way to make a home more appealing to buyers.

In today’s market, seller concessions can help cover eligible closing costs or contribute toward a mortgage rate buydown. That may give buyers more flexibility with their upfront costs or monthly payment, while helping sellers keep the conversation focused on the overall value of the home.

A temporary buydown, for example, can lower a buyer’s initial mortgage payment for a set period. It’s one option that may help make the numbers feel more comfortable without changing the home’s purchase price.

A mortgage rate buydown can make early monthly payments more manageable. A temporary buydown reduces the buyer’s effective interest rate for a limited time.

10/11/2026

5.0 star review received on Experience.com for Alex Aerts by Dorene F M - I was guided through this experience both knowledge wise emotionally. They were very caring and helpful throughout the whole process

Click to see all 268 reviews of Alex Aerts, Mortgage Advisor

10/08/2026

"Home sellers gave concessions to buyers in 44.7% of U.S. home sales in August," according to a recent article from Redfin.

If you've found a home you love, don't assume the asking price is the only number you can negotiate. Take a closer look at the whole deal.

Seller concessions could potentially help with closing costs, certain repairs, or even a mortgage rate buydown, depending on the loan and the transaction.

If you’re looking at homes and want to understand what your options could look like, let’s talk through the numbers.

10/06/2026

One of the most important mortgage tips has nothing to do with rates, payments, or paperwork: Slow down before you send money.

Wire fraud scams can look surprisingly convincing, especially when you're already receiving a steady stream of emails during the homebuying process.

We put together a 5-Minute Fraud Check to help you spot scammers during the mortgage process. Save it now. Hopefully, you’ll never need it. But if you do, you’ll be glad you have it.

Homebuyers have become a common target for cybercrime as scammers impersonate lenders, but knowing what to watch for is one of the best ways to protect yourself.

10/04/2026

5.0 star review received on Experience.com for Alex Aerts by Michelle M - That you were always there to answer any questions we had always prompt always polite and alway patient with us even when times seemed stressful

Click to see all 266 reviews of Alex Aerts, Mortgage Advisor

10/01/2026

Sometimes the path to your first home includes a little help from the people who have been cheering you on from the beginning.

If a family member wants to help with your down payment, gift funds may be an option. I can help you understand what’s allowed, what documentation you’ll need, and how it could fit into your financing.

10/01/2026

5.0 star review received on Experience.com for Alex Aerts by Joseph B - Very on top of everything - there was no doubt we were going to be ready to go for closing. I never had to connect for any questions and they were very proactive.

Click to see all 265 reviews of Alex Aerts, Mortgage Advisor

09/30/2026

5.0 star review received on Experience.com for Alex Aerts by Brandon S - Very knowledgeable and a great guy.

Click to see all 265 reviews of Alex Aerts, Mortgage Advisor

Address

444 Reid Street, Suite 300, Office 302
De Pere, WI
54115

Telephone

+19205626427

Website

https://alexaerts.goluminate.com/, https://www.experience.com/reviews/Alex-Aerts-Luminate, https://calendly.com/alex-aer

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