Brian & Maxwell Parkinson, Mortgage Bankers at Alerus Mortgage

09/15/2026

Inflation, it's the piece of our economy that has driven up rates.

09/10/2026

09/03/2026

Credit scores matter when it comes to mortgage financing. Here are the basic pieces that affect your scores.

1. 35% of your score is based on payment history.

2. 30% of your scores is based on credit utilization. If you keep your usage balances under 30% of the limit, score will be higher.

3. 15% of your score is based on your established credit. Borrowers with more established credit are viewed as less risky to lenders.

4. 10% of your score is based on new credit applications. Hard inquiries can take a few points off your score temporarily, so you'll want to apply strategically.

5. 10% of your score is based on types of credit. Maintaining a blend of revolving and installment accounts shows lenders you can handle different types of credit.

Be strategic, talk to us if you have questions. I've had clients think if they paid off a car prior to closing, their scores would go up, in fact, scores would drop due to the drop off of that account. Max and I have specific strategies, and credit partners that can prepare you for the best outcome.

09/02/2026

When you live in Minnesota, why not live on a lake!!! Our returning client, Sue, has searched for a home in the greater metro that gives her those amazing water views.

This morning she closed on this beautiful, complete tear down, and rebuild. This home not only boosts an amazing view, but is closer to her adult kids.

Amy Jurek@ ReMax Advantage Plus found the perfect home for Sue!! Congratulations!!!

09/01/2026

Congrats to Nickolas and Molly! As resident physicians, they were able to take advantage of our Alerus Dr Loan, no money down and no mortgage insurance, on their first home. This home has expansion potential into the upper level and also lower level. Congratulations!!

08/21/2026

Today our friends and past clients, Joel and Kaylee, made the big move from their southern suburb home to a 1st ring suburb. This home has a great walkable score and was so well updated and maintained. Here’s to a much better commute and we wish you guys the best in your new home!!

08/20/2026

Here’s what you get in Missouri, our first time buyers Ronnie and Yukari, found this new construction. This home has 3 beds/2 bath and they were able to take advantage specializes financing. A reminder that Alerus can lend in all states, but Hawaii and Alaska.

08/20/2026

Catherine and Brendan wanted to move back to Minnesota to be near family. Their journey brought them to this high quality 4 bed, 3 bedroom home. Thanks to Anne Anderson/Kelly Lemicke @ Anne Anderson Homes/EXP in finding this updated beauty. Welcome back to Mn!!