TZMortgage - NMLS #652938

04/19/2023

Say goodbye to market stress! Whether you're remodeling or purchasing a new construction home, Alerus has got you covered. Our fixed rate mortgage program offers a 4 or 6 month extended rate lock option, giving you peace of mind. Plus, if interest rates drop within 30 days of closing, you can still take advantage of the lower rates. Contact us now to find out more!

- https://alerus.com/broker/tyler-zimmerman/

03/29/2023

Looking to make some improvements to your home? Sometimes, these improvements can increase the value of your home. Watch to learn more:

Ready to get started on your next mortgage? Contact me.

01/27/2023

15 vs. 30 Year Mortgage. Which one is right for you?
A 15-year mortgage is a loan with a shorter repayment period, which means you'll pay off your home faster and build equity more quickly. On the other hand, a 30-year mortgage gives you lower monthly payments and more flexibility with your budget. Here is a breakdown.

- https://alerus.com/broker/tyler-zimmerman/

01/27/2023

Take the first step and start the pre-approval process with our online application. Our online application system makes the mortgage process seamless, clear, and smooth for clients. Visit my website to get started:

01/26/2023

15 vs. 30 Year Mortgage. Which one is right for you?
A 15-year mortgage is a loan with a shorter repayment period, which means you'll pay off your home faster and build equity more quickly. On the other hand, a 30-year mortgage gives you lower monthly payments and more flexibility with your budget. Here is a breakdown.

Contact us to learn more:

Different mortgage options have pros and cons depending on your personal situation. Comparing your options helps us nail down which mortgage loan will work b...

01/19/2023

Don’t co-sign for anyone or cause new inquiries on your credit report during the home-buying process. This includes applying for other loans or credit cards. These credit inquiries can affect your mortgage approval.

- https://alerus.com/broker/tyler-zimmerman/

01/19/2023

During the home-buying process, make sure you don’t incur further debt and that you keep up with your payments. Missed payments can affect your credit score, which in turn, can affect your loan approval.

01/19/2023

When you're buying a home, mortgage lenders don't look just at your income, assets, and the down payment you have. They look at all of your liabilities and obligations as well, including auto loans, credit card debt, child support, potential property taxes and insurance, and your overall credit rating. Use our new house calculator to determine how much of a mortgage you may be able to obtain.

- https://www.calcxml.com/calculators/home-affordability?skn=793&r=2&tabs=1

01/19/2023

When applying for a mortgage, you and your co-borrower (if you have one) will need to provide documentation to verify your employment history, creditworthiness, and overall financial situation.

- W2s - last two years
- Recent pay stubs
- Bank and financial statements - last 60 days
- Federal tax returns - last two years
- If you are self-employed, 1099 forms
- Other information, such as divorce, bankruptcy, or gift funds

If you have more questions or would like to get started on your next mortgage, contact me today:

- https://alerus.com/broker/tyler-zimmerman/

01/19/2023

Although there's no set amount of time in advance needed to apply for a mortgage loan, most real estate agents require you to provide a mortgage pre-approval before showing you homes. To get pre-approved, contact us as soon as you are interested in shopping for a home, no matter how far in the future you actually plan to buy a house.

- https://alerus.com/broker/tyler-zimmerman/

11/18/2022

In early 2022, clients often paid over the list price to secure their homes with a low interest rate. Though rates have risen, homes are now being purchased under the list price once again. Take a look at the comparison of these two very different scenarios, and how each affects your payments:

*Disclosure information: bit.ly/3OaF9rn

Contact me today:

- https://alerus.com/broker/tyler-zimmerman/

11/03/2022

We had a wonderful turnout at the “Fast Forward Your Production” event, where Debbie Degrote shared insights with over 100 real estate agents. Stay tuned for our next event coming in the winter of 2023!

If you have any questions, contact me!

- https://alerus.com/broker/tyler-zimmerman/