Cliff Amundson, Loan Officer - UHM - NMLS #2443959

11/07/2025

🎄 Debate Question: When is the *right* time to put up Christmas decorations?

Is it acceptable to start as soon as Halloween is over, or should we wait until after Thanksgiving? Some say the earlier, the merrier, while others believe it takes away from the spirit of each holiday.

What do you think? Share your thoughts below! 🎉✨

10/21/2025

🏡 **Ready to Unlock Your Homeownership Dreams?** 🏡

Let’s talk about two key players in the mortgage game: your **Credit Score** and **Debt-to-Income Ratio**!

✨ **Credit Score:** Think of your credit score as your financial report card! In the mortgage world, your middle score is the one that counts. Different loan programs have specific score requirements, so knowing where you stand can open doors to better options!

💰 **Debt-to-Income Ratio:** This is your financial balancing act! It’s calculated by adding up your debts (including that potential mortgage payment) and comparing it to your income. This percentage helps lenders see how well you can manage monthly payments. Each loan program has its own limits, so it’s crucial to stay informed!

By understanding these two important factors, we can find the loan programs that fit you best!

📞 Ready to take the next step? Shoot me a text or give me a call at (715) 505-6826! Let’s make your homeownership journey exciting and stress-free! 🏠💖

10/10/2025

📝 **Key Questions to Ask Your Mortgage Lender (Beyond Interest Rates)!** 🏡

As you navigate the home-buying process, asking the right questions can help you make informed decisions. Here are some essential inquiries to consider when speaking with your mortgage lender:

1. **What is the timeline for loan approval?**
Understanding how long the approval process takes helps you plan your home search effectively.

2. **What is the minimum down payment required?**
Knowing your options for down payments can help you budget better and determine your affordability.

3. **How will my debt-to-income ratio affect my loan eligibility?**
This ratio is crucial in determining how much you can borrow, so it’s important to understand its impact.

4. **What support do you offer during the application process?**
Knowing what resources and guidance your lender provides can ease your journey and make the process smoother.

💬 **Remember:** The more questions you ask, the more empowered you’ll be in your home-buying experience!

Ready to take the next step? Let’s make it fun and stress-free together! 🎉

09/17/2025

🔥 Wooo! Big news, our brand-new signage just dropped at Fox Hollow Golf Course! ⛳✨ Go see it in person and snap a pic when you visit!

01/06/2025

Join Alexa Jerue & I for Bites & Basics, a quick free event for you to learn the necessary steps to becoming a homeowner! Even if you've owned a home in the past, join us for a refresh!
We will talk about all you need to know to be prepared to house hunt, what this market entails, and what it looks like from offer accepted to keys in hand!
RSVP via QR code or message us!
Share with anyone you know who may benefit from this event too!

I coach people through the home buying process in order to make sound, comfortable decisions that make them excited about homeownership!

05/30/2024

Here's your weekly look at the markets!

Enjoy this quick update on what's going on in the housing and financial markets.

05/14/2024

Thank you to everyone who donated food and monetary donations to our food drive during the Onalaska Community Egg-Stravaganza! Your generosity filled this cart with much-needed food for our community. Please continue to support the School District of Onalaska, WI’s Food Pantry as they provide meals for every family in need who attend school in Onalaska, whether it be public, private or home schooled.
Thank you from your hosts:
True North Chiropractic, Cliff Amundson Jr., Loan Officer - UHM - NMLS #2443959, Jake Ramey, Realtor - atproperties