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Service Saves Service Saves is a Public Employee Benefit for people buying a home or refinancing their current mortgage.

Service Saves™ is available to qualified MN public employees provided exclusively through licensed lenders.

When you’re buying a home, the appraisal is an important part of the process, providing an independent opinion of the pr...
10/14/2026

When you’re buying a home, the appraisal is an important part of the process, providing an independent opinion of the property’s value. Appraisers consider factors such as recent sales of comparable homes, location, size and features, overall condition, and improvements. These details help determine how the home compares with similar properties in the local market. Understanding what goes into an appraisal can help you set realistic expectations, make informed decisions, and feel better prepared for closing. Source: MBS Highway

Inflation was below expectations in August. Headline PCE rose 0.3% for the month, bringing the annual rate to 3.4%. Core...
10/07/2026

Inflation was below expectations in August. Headline PCE rose 0.3% for the month, bringing the annual rate to 3.4%. Core PCE, which excludes food and energy, increased 0.2%, with annual core inflation at 3%. Source: MBS Highway

Housing starts fell 2.6% from July to August, coming in below expectations. Building permits, a key indicator of future ...
09/30/2026

Housing starts fell 2.6% from July to August, coming in below expectations. Building permits, a key indicator of future homebuilding, also declined by a similar 2.7%. Source: MBS Highway

A home may look perfect during a showing, but there's a lot you can't see just by walking through it. A professional hom...
09/23/2026

A home may look perfect during a showing, but there's a lot you can't see just by walking through it. A professional home inspection can provide valuable insight into the property's condition and help you understand what you're buying. It can also help you better anticipate future maintenance and repair costs. Taking the time to understand a home's condition before you buy can help you feel more confident in your decision. Source: MBS Highway

The MBS Highway National Housing Index continued its downward trend in September, falling from 27 in August to 22. The i...
09/16/2026

The MBS Highway National Housing Index continued its downward trend in September, falling from 27 in August to 22. The index has now declined for four consecutive months after reaching a seasonal high of 47 in May. Both buyer activity and home price direction weakened from the previous month. Source: MBS Highway

Getting the keys is just the beginning. Your first month as a homeowner is the perfect time to establish good habits: co...
09/09/2026

Getting the keys is just the beginning. Your first month as a homeowner is the perfect time to establish good habits: confirm your first mortgage payment date, set up utilities, tackle immediate maintenance, and locate essentials like your water shutoff, electrical panel and HVAC filters. A little preparation now can help protect your investment, avoid unnecessary surprises, and make homeownership feel a whole lot easier. Source: MBS Highway

New home sales fell 10.5% MoM in July to an annualized pace of 607,000, below expectations. However, June’s sales were r...
09/02/2026

New home sales fell 10.5% MoM in July to an annualized pace of 607,000, below expectations. However, June’s sales were revised up from 628,000 to 678,000. Source: MBS Highway

Housing starts fell 12.4% from June to July, coming in below expectations. But building permits, a key indicator of futu...
08/26/2026

Housing starts fell 12.4% from June to July, coming in below expectations. But building permits, a key indicator of future homebuilding, rose 5%. Source: MBS Highway

Homeownership is about more than having a place to live. From building equity over time to putting down roots in a commu...
08/19/2026

Homeownership is about more than having a place to live. From building equity over time to putting down roots in a community you love, buying a home can be one of the most impactful financial decisions you make. If homeownership is one of your goals, now is a great time to start exploring your options. Have questions about the homebuying process? I'm here to help. Reach out any time! Source: MBS Highway

Private employers added 44,000 jobs in July, according to ADP, well below expectations of about 70,000. Hiring rose acro...
08/12/2026

Private employers added 44,000 jobs in July, according to ADP, well below expectations of about 70,000. Hiring rose across businesses of all sizes, though ADP described job growth as "choppy" across industries. Source: MBS Highway

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