Julia Magler NMLS 1070731

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Maple Grove, MN
Julia Magler NMLS 1070731

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B&C Home Loans Expert- Helping people I work with reaching their goal of homeownership Caliber Home Loans, Inc. NMLS ID # 15622. Stat. Section 47.206 (3) and (4).

Caliber cannot accept mortgage loan applications or inquiries for properties in New York through this site. Minnesota Residential Mortgage Originator License: MN-MO-40149066. This is not an offer to enter into an agreement. Any such offer may only be made in accordance with the requirements of Minn. "Equal Housing Lender. 1525 S. Belt line Rd Coppell, TX 75019 (www.nmlsconsumeraccess.org). 1 800-401-6587. This
is not an offer to enter into an agreement. Not all customers will qualify. Information, rates, and programs are
subject to change without prior notice. All products are subject to credit and property approval. Not all products
are available in all states or for all dollar amounts. Other restrictions and limitations apply

10/16/2026

B&C Home Loans LLC, servicing nationwide, provides detailed information about current grant programs that can assist with down payments and closing costs. Visit https://www.bandchomeloans.com/team to discover opportunities and begin your application.

10/14/2026

B&C Home Loans LLC, servicing nationwide, is dedicated to providing loan refinancing options that match each homeowner’s needs. Explore programs available at https://www.bandchomeloans.com/team and start your refinancing today.

10/14/2026

🚨 “NOW is a terrible time to buy a house!”

We hear it ALL the time. 🙄🏡

But here’s the question…

A bad time to buy for WHO?

The right time to buy isn’t determined by a headline, your neighbor, or somebody predicting where rates and home prices are going next.

It depends on YOUR situation.

💰 What does the payment look like?
🏡 How long do you plan to own the home?
📈 What are you paying in rent instead?
💵 What can you comfortably afford?
🎯 Does buying make sense for your goals?

Waiting can make sense. Buying now can make sense too.

The mistake is making that decision based on what everyone ELSE is saying instead of actually running your numbers.

📲 Let’s figure out what makes sense for YOU.

10/13/2026

🎯 Everyone’s style is different on our team—so take your pick who is for you!

We all have our own personality and our own way of doing things—but one thing you’ll get from every one of us is the truth!

No sugarcoating. No telling you what you want to hear just to get a deal. Just honest mortgage advice so you can make the right decision for YOU. 🏡

Find the personality that fits you—and let’s get to work. 📲

https://www.bandchomeloans.com/team

10/12/2026

Discover grant programs that can reduce your upfront costs by contacting B&C Home Loans LLC servicing Nationwide. Visit https://www.bandchomeloans.com/team and see if you qualify. Let us help you unlock resources for your new home.

10/12/2026

🚨 MORTGAGE MYTH: “I need to pay off ALL my debt before I can buy a house.”

Nope. ❌

Having car payments, student loans, credit cards or other monthly obligations does not automatically prevent you from qualifying for a mortgage.

What matters is how your income and monthly debts work together — your debt-to-income ratio (DTI).

And here’s the kicker 👇

Sometimes paying off debt before applying isn’t even the best move. That cash may be more valuable toward your down payment, closing costs or reserves.

🏡 Don’t start moving money around or paying things off because you THINK that’s what a lender wants.

Let us run the numbers first.

You might be a whole lot closer to buying a home than you think. 😎🔑

📲 Talk to us BEFORE you start paying everything off!

10/10/2026

Student loans aren’t the deal breaker you might think they are. What lenders actually care about:
✔️ How you’re managing your payments
✔️ Your total monthly debt (aka DTI)
✔️ Your credit score
✔️ Your income and job history

We’ve helped buyers who still have student debt and no, they didn’t have to pay it off first. Because what really matters isn’t how big the backpack is, it’s whether we can build a smart path forward. Ready to find out what’s really holding you back? Let’s talk: 612-548-1250

10/10/2026

It's time to soak up the sunshine in beautiful Florida! From the magic of Walt Disney World to the breathtaking views of the Everglades, there’s no shortage of adventure in the Sunshine State. Whether you're ready to relocate or searching for the perfect vacation rental, we’re here to guide you to an amazing investment opportunity in this vibrant market saturated with inventory. Don’t wait any longer—call us today to unlock your Florida dream!

10/09/2026

B&C Home Loans LLC, located nationwide, supports you through educational sessions that explain loan programs and processes. Visit https://www.bandchomeloans.com/team to learn how to prepare for home financing successfully. Contact us today.

10/09/2026

🚨 Thinking about changing jobs AND buying a house?

Before you make the move, talk to your lender. 🏡💼

Changing jobs does NOT automatically mean you can’t qualify for a mortgage. Depending on the type of job change, how you’re paid, and your employment history, you may be completely fine.

But here’s the important part… don’t guess.

A new salary, commission structure, bonus income, self-employment, or even a gap between jobs can change how your income is calculated for a mortgage.

👉 One conversation BEFORE you change jobs can save you a whole lot of stress afterward.

New job? New house? Let’s make sure the two work together. 😎🔑

📲 Give us a call before making the switch!

Address

13700 83rd Way N Suite 212
Maple Grove, MN
55369

Telephone

+16513537889

Website

http://banchomeloans.com/

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