Bob Merrill Mortgage Team

10/15/2026

There’s something special about fall weekends at home. From hosting a bonfire in the backyard to carving pumpkins at the kitchen table, there are plenty of ways to enjoy the season.

Vote for your favorite fall home activity with an emoji in the comments below:

🍎 Baking an apple pie

🎃 Carving pumpkins

🏈 Watching football

🔥 Hosting a bonfire

🍂 Raking leaves

10/13/2026

Renting and buying both provide a place to call home, but when it comes to your monthly payment, they work a little differently.

As a renter, your payment goes to your landlord. As a homeowner, a portion of your mortgage payment goes toward paying down your loan principal and building equity in your home over time.

Wondering whether buying could be right for you? Let's connect and compare your options so you can make the best decision for your goals.

10/08/2026

Buying a home comes with lots of moving parts, and some can be more confusing than others. What part of the process do you find most confusing? Vote in the comments below.

• Credit
• Down payment
• Interest rates
• Finding a home
• Other

I’d love to help clear up any questions you have. Reach out anytime!

10/08/2026

Price Drop!
This 3 bed | 2 bath home in the beloved Columbia Park neighborhood is situated just steps from Hi-View park. It features oak hardwood floors, living and kitchen spaces, a spacious half-story retreat, finished basement and more.
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Info/tour? Contact Marissa Skaja with P.S. Real Estate

10/08/2026

Coming Soon to Victoria!
This 5 bed | 5 bath luxury home set on a half-acre lot in Lakebridge featuring a walkout lower level, a multigenerational suite, a dedicated home gym and more.
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Info/tour? Contact Meghan Radde & Mitchell Scrimgeour, Scrimgeour Group Exp Realty Let's discuss the financing.

This 5207 square feet Single Family home has 5 bedrooms and 5 bathrooms. It is located at 2555 Heron Ln, Victoria, MN.

10/07/2026

An Adjustable-Rate Mortgage (ARM) offers a lower fixed interest rate for an initial period, typically 5-10 years. After that, the rate can adjust up or down based on market conditions. Today's ARMs include built-in protections, such as rate adjustment caps and lifetime rate limits.

Who might benefit from an ARM?
• Buyers who plan to move or sell before the fix-rate period ends.
• Buyers who want a lower initial payment and may refinance into a fixed-rate loan if rates improve.

Let's talk about your homeownership goals. Contact me today.

Subject to credit approval. Not available in all markets. Adjustable-Rate Mortgage (ARM) products have a fixed interest rate for a set period of time and adjust periodically thereafter. At the end of the fixed-rate period, the interest rate and payments may increase. Program guidelines are subject to change without notice. Other restrictions apply. Escrows and full appraisal may be required.

10/06/2026

Before you start looking for homes, it’s important to be prepared. Here are five steps to help you get started:

• Check your credit
• Build your savings
• Reduce your debt
• Gather your documents
• Talk with a loan officer (me!)

Thinking about buying soon? Let's create a plan together!

10/02/2026

Your home may be worth more today than you bought it and that could give you more options when it's time for your next move.

For some homeowners, built-up equity can play an important role in the next chapter, whether that means:

- Moving into a larger home
- Downsizing or relocating
- Building a new home
- Using proceeds from a sale toward your next purchase
- Making improvements before making a move

The right strategy depends on your home's value, your current mortgage, your financial goals and what you're hoping to do next.

You don't have to be ready to move to start the conversation. Understanding your options is the first step. Curious about your next move? Let's talk.

10/01/2026

If you could design your dream home, what three words would you use to describe it? Mine would be bright, welcoming and comfortable. Share yours in the comments below!

10/01/2026

Just Listed in Shakopee!
This 4 bed | 3 bath modified two-story home offers exceptional space with thoughtful upgrades! Situated on an extra large lot, featuring a mainenance-free deck and two patios. You'll love the spacious kitchen, lower level famly room, spacious primary suite and more.
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Info/tour? Contact Ann Jones with Add-Vantage Realty
Let's discuss the financing.

This 3364 square feet Single Family home has 4 bedrooms and 3 bathrooms. It is located at 1585 Monarch St, Shakopee, MN.