Leoma Ludwig, NMLS #2214166

Leoma Ludwig, NMLS #2214166 Leoma Ludwig, Loan Consultant, NMLS MN-MLO #2214166
licensed in MN,WI,MI,IL,IN,ND,SD,MO,TN and KY I personally am licensed MN, IL,WI,ND,SD,IN,TN,MI and MO.

If you are looking to purchase a new home or refinance your current one, let's talk!

There’s something I see happen way too often, and it’s worth clearing up—respectfully.Realtors play a huge role in helpi...
04/22/2026

There’s something I see happen way too often, and it’s worth clearing up—respectfully.

Realtors play a huge role in helping buyers find the right home. That part is so important. But when it comes to discussing a buyer’s financials or directing them toward specific mortgage programs, that’s where a licensed lender should be stepping in.

Every buyer’s financial situation is different. Income, credit, long-term goals, and even small details can completely change what loan program actually makes the most sense. What sounds like “good advice” on the surface can sometimes lead someone in the wrong direction if it’s not coming from someone who’s reviewing the full financial picture.

That’s exactly what we’re here for.

My goal is always to make sure buyers fully understand their options, feel confident in their decisions, and are set up the right way from the start—not just for approval, but for long-term success.

If you’re buying a home, lean on your realtor for the house… and your lender for the financing. Both matter, and both roles are important when they stay in their lane.

Playing the “wait for lower rates” game? Here’s the math that’ll make you rethink thatstrategy.Buy today: $850,000 home ...
02/24/2026

Playing the “wait for lower rates” game? Here’s the math that’ll make you rethink thatstrategy.

Buy today: $850,000 home at 6% rate = $5,096/month payment

Wait 2 years hoping rates drop to 5%. But home prices appreciate even just 3% per year (conservative for this market).

That same home is now $901,000 at 5% rate = $4,837/month payment
You saved $259/month. Congrats.

Except you missed out on $51,000 in equity. And you gave your landlord $50,000+ in rent payments you’ll never see again.
Net loss? Over $100,000 to save $259/month.

And that’s assuming prices only go up 3%, historically we have outpaced that.

What experts are predicting for rates:
Mortgage Bankers Association: Rates holding steady around 6.3-6.4% through 2026 and 2027

Fannie Mae: Predicting gradual decline to 5.9% by end of 2026
NAR: Forecasting rates staying above 6% for the foreseeable future

Translation? If you’re waiting for 3% rates to come back, you’re going to be waiting forever. And while you wait, home prices keep climbing.

Here’s what nobody tells you: You marry the home, you date the rate.

Refinancing exists. Appreciation doesn’t wait.
Home prices don’t drop because rates are high. They drop when nobody can afford to buy. And when rates drop, demand explodes and prices surge.

The best time to buy was yesterday. The second best time is today.

Stop trying to time the market. Start timing your life.

Did you know that there are two different types of credit pulls and the difference in the scores can be vast? The scores...
02/09/2026

Did you know that there are two different types of credit pulls and the difference in the scores can be vast? The scores you see through your free apps are called consumer scores, these are soft pulls and don't impact your credit. We at loanDepot also do a SOFT PULL for pre-approval process as to not affect your credit until necessary. These scores are typically higher than what we as lenders pull because they're not specific to a mortgage. To get you qualified for a home loan we have to pull credit, there's no way around it. The good news is, once that's done we can figure out what you qualify for and get you one step closer towards being a homeowner! Questions? Leave a comment or shoot me a message.

Here's your reminder :)
10/28/2025

Here's your reminder :)

Today we have some very happy new homeowners! They worked with another lender for almost 6 months and kept getting the r...
08/21/2025

Today we have some very happy new homeowners! They worked with another lender for almost 6 months and kept getting the run around. They gave me a call one evening and I started their loan process- start to finish they were at the closing table in less than 3 weeks! They closed on their beautiful new home today!!

Congratulations Gary and Rania! I'm so excited for the new memories you will make! And congratulations to
Kimberlee Nelson - Edina Realty for doing such a great job!!

04/29/2025

When your clients close on their home, do they spend thousands or do they bring little to NO money to the table? If you say thousands... let's talk because there are better options!!!

Check out this 3 Br located in Evansville, MN! Need a pre-approval? Give me a call
02/26/2025

Check out this 3 Br located in Evansville, MN! Need a pre-approval? Give me a call

303 North Alexandria Street - MLS # 6643792. Other for sale in Evansville presented by Headwaters Realty Services. Updated 3-Bedroom Home in the Heart of Evansville This charming home offers the perfect mix of.

10/07/2024

Do you know the history of why we Bob for Apples?

It may not be as popular now as it was a century ago, but bobbing for apples persists as an autumnal activity, especially on Halloween. Long before kiddos dressed up on October 31, however, British singles played the game as a sort of courting ritual. Each apple represented a different eligible bachelor and, if the young woman bobbing for said apple bit into it on her first try, the two would live happily ever after; succeeding on the second attempt meant that the two would be together for a time but the romance would fade; and not getting it right until the third try foretold doom.

10/01/2024
10/01/2024

Wondering how the longshoreman strike could impact interest rates and home sales? The outlook isn’t promising…

Look at this cute home in Forest City, MN! Need a pre-approval? Give me a call or complete your application online with ...
09/06/2024

Look at this cute home in Forest City, MN! Need a pre-approval? Give me a call or complete your application online with no effect on your credit!

loandepot.com/lludwig

New Forest City Listing!

📍 31699 CSAH 2 Litchfield, MN 55355

🛏️ 3 Bedrooms
🛀 2 Bathrooms
🌊 1.5 Acres with river frontage
🤩 Stainless Steel Appliances
❄ 2024 Central A/C
🔥 2024 Furnace & Water Heater
🔨 Updated Vinyl Planking & Carpet
💡 Newly Updated Fixtures
🪟 Vinyl Windows
🏘️ Attached Garage
🎨 New Interior Paint
Click the link to check out the listing! 👇
https://agent.onehome.com/en-US/listing?token=eyJPU04iOiJOU1RBUiIsInR5cGUiOiIwIiwic2V0aWQiOiIxMTA5MTY5MTAiLCJzZXRrZXkiOiI1NTkiLCJlbWFpbCI6ImJyYW5kaUBjZW50cmFsbW5yZWFsdHkuY29tIiwicmVzb3VyY2VpZCI6MCwiYWdlbnRpZCI6MTc2ODEwLCJsaXN0aW5naWQiOiIxNTAyNDM1NjMiLCJWaWV3TW9kZSI6IjIiLCJzb3VyY2UiOiJFbWFpbCJ9&SMS=0

Call or Text Me for Showings and More Information:
📞 320.249.4326
________________________
Brandi Hansen, Realtor®
Central MN Realty
📲 320.249.4326
📧 [email protected]
💻www.BrandiHansenRealtor.com

Address

1895 Plaza Drive Suite 100
Eagan, MN

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