Tyler Groskurth - Mortgage Loan Officer

09/09/2026

🏡 THINK YOU NEED 20% DOWN TO BUY A HOME? THINK AGAIN!

An FHA loan could make homeownership more achievable than you might think. 🔑

FHA loans can be a great option for buyers who want:

✅ Down payments as low as 3.5% for qualified borrowers
✅ Flexible credit requirements
✅ Competitive interest rates
✅ Help making homeownership possible with less money upfront

Whether you're a first-time homebuyer or just looking for a financing option that fits your situation, an FHA loan may be worth considering.

💡 The best loan isn't always the one with the lowest rate — it's the one that fits your financial goals.

Want to see if an FHA loan could work for you? Let's talk!

📞 Office: 402-465-1054
📧 [email protected]

09/07/2026

🏡 Fixer-Upper vs. Move-In Ready: Which Is Right for You?

When buying a home, one big decision is whether to take on a fixer-upper or pay more for a move-in ready home. Here’s how they compare:

🔨 Fixer-Upper
✅ Lower purchase price
✅ Opportunity to build equity through improvements
✅ Make the home your own
❌ Renovation costs can add up quickly
❌ Projects can take time and cause stress
❌ Unexpected repairs can pop up

🛋️ Move-In Ready
✅ Minimal work needed after closing
✅ Easier to budget for upfront
✅ You can enjoy the home right away
❌ Usually comes with a higher purchase price
❌ Less opportunity to add immediate value
❌ You may pay for upgrades you wouldn’t have chosen yourself

💡 The key: Don’t just compare the purchase prices. Consider the total cost of ownership, including repairs, renovations, maintenance, and your available cash.

A fixer-upper can be a great opportunity—but only if the numbers make sense for your budget.

Would you rather buy a fixer-upper and make it your own 🔨 or move right into a finished home 🏠?

09/04/2026

🏡 Why Choose a Credit Union Over a Retail Bank or Mortgage Company?

When you’re shopping for a mortgage, you have plenty of options. So why consider a credit union?

It often comes down to the combination of personal service, local decision-making, and a member-focused approach.

🤝 You’re a member, not just a customer
Credit unions are member-owned organizations, so the focus is on serving members rather than outside shareholders.

📍 Local connection
Many credit unions have strong ties to the communities they serve and understand the local market and the people buying homes in it.

💬 Personal service
You can work with a real loan officer who knows your situation and is available to answer questions throughout the process.

💰 Competitive rates and fees
Credit unions can offer competitive mortgage pricing and may have programs designed specifically to meet the needs of their members.

🏠 Flexible loan options
From conventional and FHA to VA and other specialized programs, credit unions may offer a variety of financing options depending on your situation.

❤️ A relationship beyond the mortgage
Your relationship with a credit union doesn’t have to end when you close. You can use the same institution for checking, savings, auto loans, credit cards, and other financial needs.

At the end of the day, the best lender is the one that fits your situation and gives you the service, communication, and financing you need.
Before choosing a lender, compare more than just the rate. Look at the overall cost, loan options, service, and who will be there when you need them.

🏡 Buying a home? It’s worth seeing what a credit union can offer.

09/02/2026

🏡 A Pre-Qualification Letter Isn’t a Guarantee

Getting pre-qualified is a big step toward buying a home, but it’s important to remember: your qualification is based on your financial picture at that time.

Between getting pre-qualified and closing, things can change.

🚗 Financing a new car
💳 Making a large purchase
💼 Changing jobs
💰 Moving money around
💳 Applying for new credit

Your lender will review your finances again before closing. A significant change could affect your loan, interest rate, or closing timeline.

My advice to buyers: Once you’re pre-qualified and especially once you’re under contract, keep your finances as steady as possible.

If you’re thinking about making a major purchase or financial change, talk to your lender first. A quick conversation could save you a major headache later.

Getting pre-qualified gets you started. Protecting your qualification helps get you to the closing table. 🔑🏠

08/30/2026

🏡 What Happens After Your Offer Is Accepted on a House?

Getting your offer accepted is exciting—but there’s still a lot to do before you get the keys! 🔑

Here’s a quick look at what typically happens next:
1️⃣ Earnest money is deposited
Your earnest money is usually due shortly after acceptance.
2️⃣ Home inspection 🔍
You’ll have the opportunity to inspect the home and identify any potential issues.
3️⃣ Appraisal 💰
Your lender orders an appraisal to determine the home’s market value.
4️⃣ Loan processing & underwriting 📄
Your lender verifies your income, assets, credit, employment, and other information needed to approve the loan.
5️⃣ Title work 🏠
The title company researches the property to make sure ownership can be transferred properly.
6️⃣ Final loan approval ✅
Once all conditions are satisfied, your lender gives the green light to close.
7️⃣ Final walkthrough 👀
Before closing, you’ll walk through the home one last time to make sure everything is as expected.
8️⃣ Closing day! 🎉
You sign the paperwork, funds are transferred, and once the transaction records—you get the keys! 🔑

Buying a home doesn’t have to feel overwhelming. Having a good real estate agent, lender, and title company on your side can make the process much smoother.

🏡 Thinking about buying a home? Let’s talk about your options!

Tyler Groskurth
Liberty First Credit Union
402-465-1054

08/27/2026

🏡 Local Loan Officer vs. Online Lender — Does It Really Matter?

Short answer: Yes. And here’s why.

Working with a local loan officer means you’re getting more than just a loan application link. You’re getting real support, real communication, and real expertise in your market.

✔️ Faster communication when timing matters
In a competitive market, being able to quickly reach your loan officer can make a difference.
✔️ Local market knowledge
A local loan officer understands the area, local real estate professionals, and what it takes to help keep your transaction moving.
✔️ Personalized guidance
Your home purchase isn’t one-size-fits-all. Having someone who understands your situation can help you make informed decisions.
✔️ A real person you can reach
Call. Text. Ask questions. Get answers from someone who knows your loan—not just a customer service representative reading from a script.
✔️ Help when things don’t go exactly as planned
Unexpected situations and last-minute changes happen. Having someone in your corner who can help navigate them can make the process much less stressful.

💻 Online lenders can be convenient, and they may be a great fit for some buyers. But when you’re making one of the biggest financial decisions of your life, having a trusted local expert in your corner can make all the difference.

Don’t just shop for a mortgage. Shop for the person who will be there to help you get to the closing table. 🏠🔑

08/25/2026

6 Shortcuts to a Smaller Utility Bill 💡🏠

Want to keep more money in your pocket each month? Try these simple ways to lower your utility costs:

1. Adjust your thermostat 🌡️ — Small changes can make a noticeable difference.
2. Seal air leaks — Check doors, windows, and other drafty areas.
3. Change your air filter — A clean filter helps your HVAC system run more efficiently.
4. Use energy-efficient lighting 💡 — Switch to LED bulbs and turn off lights when you leave.
5. Unplug unused electronics 🔌 — Some devices still use energy even when they’re turned off.
6. Use appliances wisely — Run full loads of laundry and dishes and avoid unnecessary cycles.

Small changes can add up to big savings over time! 💰

08/14/2026

08/13/2026

✏️📚 Back-to-school season is here!

As the kids head back to the classroom, it's the perfect time to think about your family's next chapter.

If buying a home has been on your mind, now is a great time to start planning. Whether you're looking for more space, a better location, or you're ready to become a first-time homeowner, I'm here to help you explore your mortgage options.

Let's make this school year the start of something new!

📧 [email protected]
📞 402-465-1054

08/11/2026

Still renting?

Whether you've been renting for years or just started, you could be missing out on the opportunity to build equity through homeownership.

You may be closer to buying a home than you think. Reach out today, and I'd be happy to discuss your options!

📧 [email protected]
📞 402-465-1054