Erin Kline, Personal Mortgage Consultant, Nmls#460409

Erin Kline, Personal Mortgage Consultant, Nmls#460409 Mortgage loans to purchase or refinance homes, townhomes, condominiums, duplexes, triplexes and fourplexes in 48 states. EQUAL HOUSING LENDER.

Expert financial guidance & personalized solutions.

My coworker for the day… Believes she has managerial responsibilities😂
06/12/2026

My coworker for the day… Believes she has managerial responsibilities😂

06/09/2026

I always know who my Virgo clients are...🙌

From one Virgo to another, I LOVE your attention to detail! 😍

It's time to unveil the results of Fun Day Monday.This Month’s Quiz Question:Which country consumes the most ice cream p...
06/05/2026

It's time to unveil the results of Fun Day Monday.

This Month’s Quiz Question:

Which country consumes the most ice cream per capita?

A. New Zealand
B. Canada
C. Australia
D. United States

The answer is (A) New Zealand

Interesting Fact - Every year, New Zealanders indulge in about 28.4 liters of ice cream each which is roughly 60 pints of sweet, creamy goodness per person!

This month we're celebrating Gale O. for their outstanding participation. They'll be receiving a $25 Amazon gift card and they can choose to keep it or pass it along to someone they know who would appreciate it.

Keep participating and you could be next!

Which Homeownership Cost has become MORE affordable, while everything else has INCREASED?Our friends at ARCH MI recently...
06/04/2026

Which Homeownership Cost has become MORE affordable, while everything else has INCREASED?

Our friends at ARCH MI recently released information about the cost of mortgage insurance: Private Mortgage Insurance (PMI) rates have declined steadily for nearly a decade — even as nearly every other piece of the affordability equation for homebuyers has become more expensive.

In 2025, National Mortgage Professional reported a 25% decline in MI premiums since 2017.

When I entered this industry in the mid-1990's, the mortgage insurance rate for a 5% down purchase was .78% - last week, I got PMI quote for only .23% on a 5% down loan. While the factors that determine pricing are different today than they were at that time, that's a significant decrease. Mortgage insurance is at historically low levels for clients with good credit.

As MI costs have declined, other homeownership costs have increased sharply:
🏠Homeowners insurance premiums increased by nearly 70% over the past five years, according to data from ICE Mortgage Technology
🏠 Home values are up more than 45% since 2020, Zillow reports
🏠The cost of building materials has risen by 40% since December 2020, according to the National Association of Home Builders
🏠Nationally, property taxes increased 30% from 2019 and 2024, according to the Institute of Taxation and Economic Policy

In this environment, 81% of prospective buyers in a 2025 Bankrate.com survey said down payments and closing costs are a significant obstacle, with more than half (52%) calling the challenge “very significant.”

Here's what the headlines don't highlight: PMI is a smart tool to use to maximize your wealth. With good credit, your mortgage insurance is extremely affordable, allowing you to keep your assests invested - and allowing those invested dollars to appreciate.

Your home's value has nothing to do with how much you finance. It's simply a question of where your dollars are best invested. Instead of putting 20% down on a home, you can make a downpayment of just 5%, pay the mortgage insurance, and let that other 15% remain invested - growing your wealth at a far greater rate than investing that money in the downpayment.

Smart investors know that maximizing your return is essential to growing your assets. Real estate is simply one part of your future wealth plan.

Let's connect and talk about how best to position yourself for your next home purchase or investment. Consultations are always free.

One of the things I love most about my career is the amazing people I get to know, all across the country - and the abil...
06/01/2026

One of the things I love most about my career is the amazing people I get to know, all across the country - and the ability to visit them when I travel.

This past week, I traveled to Colorado to visit with clients and see their beautiful new home - so incredible to see their home in person after seeing only photos in the appraisal!

I was able to visit with a real estate colleague and reconnect with friends from Bali at a concert at Red Rocks. We even snuck in a 7 mile hike in the mountains before heading home.

Home financing is a people first business, and helping people is what inspires me. Work hard, play hard!




A friend of mine recently lost his 21 year old son to a kayaking accident. Another friend lost her son about 2 years ag...
05/19/2026

A friend of mine recently lost his 21 year old son to a kayaking accident. Another friend lost her son about 2 years ago, in a similar way. The first loss was devastating. The second loss felt even more visceral. I cannot imagine losing a child.

Last week, I sat with friends and tried to process this loss. My heart aches for his family, for the life that is gone, and for what will never be. While I can work to process my grief, I cannot comprehend what these parents have/are experiencing. There is nothing I can do or say that will ever heal the hole in their families, in their hearts.

Both sons were full of life, passionate about helping others and living life to its fullest. After much thought, I realized that the best way I can honor these young men and their families is to live MY life to the fullest as well. These men embodied everything I value: friendship, family, adventure, kindness, empathy, inspiration. They lived to inspire others and make other people's lives better.

As I considered that, I realized that because my business and personal social media accounts are separated (by requirement), that you may not know me as well as I would like - I get to know you well through the mortgage process, but because our time is focused on YOU, you don't get to know alot about ME. It's time for that to change.

Moving forward, I am going to share more personal moments, adventures and challenges here. I hope you will find it to be a point of connection, of shared experiences, challenges - and of inspiration.

As I shared with friends this week, we never know how many days we have left on this earth. We plan and believe that we are going to live to an old age, but we do not get to control the plan. We could live another 70+ years, or it could be over tomorrow. It is up to each of us to use our life to help and inspire others while we can.

I hope that by sharing some of my personal experiences and adventures, that I can help to inspire you...and you, me. Life is too short, and we need to make the most of it!

If you're willing to share, how have you processed a loss, and what lessons has it taught you?

A baby macaque named Punch recently captured hearts worldwide when his mother abandoned him at a Japanese zoo. Strugglin...
05/09/2026

A baby macaque named Punch recently captured hearts worldwide when his mother abandoned him at a Japanese zoo. Struggling alone, he showed signs of anxiety and isolation, until zookeepers stepped in with round-the-clock care and an IKEA orangutan plushie he could cling to.

Videos of Punch with his surrogate “Oran-Mama” went viral. The hashtag spread globally. IKEA stores sold out of the plushie as people rallied around this vulnerable baby. A few weeks later, Punch was thriving, playing with other monkeys and eating on his own.

His story reminds us of a beautiful truth: mothering is bigger than biology. It’s the grandmother raising grandchildren, the neighbor who notices and acts, the teacher staying late, the friend bringing meals to an overwhelmed new mom. It’s communities refusing to let children fall through the cracks.

Mother’s Day celebrates the profound gift of motherhood in all its forms. For many, it honors the biological mother whose body carried, birthed, and nurtured them, a bond unlike any other. For others, it celebrates those who stepped into mothering roles through choice, circumstance, or calling.

Both are worthy. Both are powerful. Both deserve our gratitude.

So today, whether you’re thanking the woman who gave you life or the one who gave you love when you needed it most, or celebrating the beautiful complexity of having both, take a moment to honor that gift.

Because motherhood, in whatever form it takes, is one of the most powerful forces in a human life.

And that is absolutely worth celebrating.

Happy Mother’s Day!

It's time to unveil the results of Fun Day Monday.This Month’s Quiz Question:What is the official flower of Mother’s Day...
05/08/2026

It's time to unveil the results of Fun Day Monday.

This Month’s Quiz Question:

What is the official flower of Mother’s Day?

A. Tulip
B. Iris
C. Carnation
D. Rose

The answer is (C) Carnation

Interesting Fact - Carnations aren’t just beautiful – they’re edible, too! With a delicate sweet and spicy flavor, these flowers can be used in both savory and sweet dishes. Petals can be added to salads, rice dishes, or sautéed with vegetables and meats, while candied carnations make lovely decorations for pastries and desserts.

This month we're celebrating Nancy C for her outstanding participation. She'll be receiving a $25 Amazon gift card and can choose to keep it or pass it along to someone she knows who would appreciate it.

Keep participating and you could be next!

Minnesota homebuyers - there's a new Downpayment Assistance Program in town!If you're interested in purchasing a home in...
05/04/2026

Minnesota homebuyers - there's a new Downpayment Assistance Program in town!

If you're interested in purchasing a home in Anoka, Carver, Dakota, Hennepin, Ramsey, Scott or Washington counties, but need some help with funds for a downpayment, this program could be your gateway to homeownership.

Curious about how this program might fit into your future? Let's chat!

https://nwhomepartners.org/project-reinvest/?utm_source=NeighborWorks+News&utm_campaign=820e56781f-EMAIL_CAMPAIGN_2025_12_11_07_39_COPY_01&utm_medium=email&utm_term=0_-746619a4ed-458236385

A woman spent a Saturday afternoon planting a small oak tree in her backyard. Her daughter watched for a minute, then as...
04/22/2026

A woman spent a Saturday afternoon planting a small oak tree in her backyard. Her daughter watched for a minute, then asked how long until it would be big enough to climb.

"Maybe twenty years," she said. "Maybe more."

Her daughter looked at the tree, then back at her mom. "But you'll be really old by then."

The woman laughed, but later that night, the comment stayed with her. She would be really old. The tree might not even be fully grown in her lifetime. So why plant it at all?

She thought about the oak trees she loved most, the ones with branches thick enough to hold a swing. Someone planted those knowing they'd never see them reach that size. Someone dug a hole, watered the roots, and walked away trusting that time would do what they couldn't.

They didn't plant it for themselves. They are planting it for the kid who'll climb it someday. For the family who'll spread a blanket beneath it on a summer afternoon and never think about who put it there.

It's an act of faith that your effort matters even if you never witness the result.

We spend so much time focused on what we can complete or control. But some of the most important things we do, we'll never see the full outcome of. A kind word that changes someone's path. A gesture that ripples forward in ways we'll never know.

Maybe that's not a loss. Maybe that's the point.

The woman went back outside and watered that tree one more time before bed. It didn't look like much yet. But someday, it will.

They say the best time to plant a tree is 20 years ago. The second best time is now. The same is true about buying a home - the earlier you start, the more your investment will grow, and the more wealth you will build for yourself and your family.

Happy Earth Day! If you're wondering if now is a good time to buy a home, let's chat.

Address

11100 Wayzata Boulevard, Ste 570
Minnetonka, MN
55305

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9am - 12pm
Sunday 8am - 8pm

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