Greg Johnson, Real Estate Loan Originator - NMLS #516974

Greg Johnson, Real Estate Loan Originator - NMLS #516974 Greg has been with Altra since 2015. You can contact him with all your mortgage needs!

A real estate agent will help you find your next home, complete all necessary paperwork, and provide expert guidance thr...
01/11/2024

A real estate agent will help you find your next home, complete all necessary paperwork, and provide expert guidance throughout each step of the process.
https://myoc.io/dMF3Qr5qUu6

Knowing when it is okay to make compromises for yourself when looking for your home is very important. Before you comple...
01/08/2024

Knowing when it is okay to make compromises for yourself when looking for your home is very important. Before you complete or even start your search for a home, make a list of things that matter the most to you in your next house. Do you want a fixer upper and like doing a lot of work yourself? Do you want to live in a particular neighborhood? Are you looking for a home with a ton of yard space? Knowing what is on your list and finding options that match those expectations will decrease your chance for buyer's remorse. Contact me today for all your homebuying questions and needs.
https://myoc.io/dMF3Qr5qUu6

Once you pull your credit report, you'll want to review it carefully. If you find any inaccuracies or fraudulent activit...
01/04/2024

Once you pull your credit report, you'll want to review it carefully. If you find any inaccuracies or fraudulent activity, you'll want to highlight the incorrect information and contact the credit reporting company and the company that provided the information to the credit reporting company immediately to submit a dispute.
https://myoc.io/dMF3Qr5qUu6

Saving for a down payment? Here are some tips to get you closer to purchasing the home of your dreams:• Automated Saving...
01/01/2024

Saving for a down payment? Here are some tips to get you closer to purchasing the home of your dreams:

• Automated Savings: Set up automated transfers from your paycheck to a savings account dedicated to your down payment.
• Save bonuses: When you receive unexpected monetary gifts such as a tax refund, work bonuses or monetary gifts, put them directly into your down payment savings account.
• Downsize your current living situation or rent out a room to reduce household expenses
• Cut back on nonessentials: Review your discretionary spending that you can temporarily live without and redirect those funds toward a down payment.

Contact me if you have any questions about saving for a down payment and to start the home buying process today!
https://myoc.io/dMF3Qr5qUu6

Preparation is key to make the homebuying process easy and rewarding. Call me to lead you down the road of being a well-...
12/28/2023

Preparation is key to make the homebuying process easy and rewarding. Call me to lead you down the road of being a well-informed, confident, and happy homebuyer!
https://myoc.io/dMF3Qr5qUu6

If you’re one of the many renters who are tired of rising rents but may be confused about what is required to buy in tod...
12/25/2023

If you’re one of the many renters who are tired of rising rents but may be confused about what is required to buy in today’s market, let’s get together to determine your path to homeownership.
https://myoc.io/dMF3Qr5qUu6

Mortgage Fun Fact: The majority of us need a mortgage. Although it would be nice to have the money to pay your mortgage ...
12/21/2023

Mortgage Fun Fact: The majority of us need a mortgage.

Although it would be nice to have the money to pay your mortgage upfront in cash, for a lot of us that is not the reality. In fact, only 12% of home buyers pay cash for a home and the other 88% must take out a mortgage. A lot of the time having a mortgage is the better option for many, giving you more financial flexibility. Mortgages also allow you to increase your credit score and leverage a higher return if your property value rises. Have more mortgage related questions? Contact me today!
https://myoc.io/dMF3Qr5qUu6

Your debt-to-income (DTI) ratio is used by lenders to assess your creditworthiness. Paying down your debts will lower yo...
12/18/2023

Your debt-to-income (DTI) ratio is used by lenders to assess your creditworthiness. Paying down your debts will lower your DTI and could help raise your credit score.
https://myoc.io/dMF3Qr5qUu6

Getting a better mortgage rate often means increasing your credit score. If you are looking to increase your credit scor...
12/14/2023

Getting a better mortgage rate often means increasing your credit score. If you are looking to increase your credit score to obtain a more favorable mortgage rate, here are a few tips on how to do so:

• Pay your bills on time, every time.
• Reduce your debt by chipping away at your outstanding balances/bills.
• Avoid unnecessary credit applications.
• Keep your old credit accounts open. Long term credit history means you are more reliable.
• Diversify your credit but manage them wisely.

Have more questions about how to make your credit score more attractive for a better mortgage rate? Contact me today!
https://myoc.io/dMF3Qr5qUu6

Mortgage Fun Fact: The average American will own three homes in their lifetime. Buying a home is a long-term commitment ...
12/11/2023

Mortgage Fun Fact: The average American will own three homes in their lifetime.

Buying a home is a long-term commitment which means that you will not be doing it often, making it a very important purchase for many. At Altra, we understand that homeownership is an incredible journey, and one that many only make a very few times in their life. That is why I am here to help you every step of the way to make the journey as smooth as possible. Whether you are a first-time homebuyer, looking to upgrade, downgrade or search for your dream home, we are here to make sure each one of your mortgage experiences are a breeze. Contact me with any questions that you may have today!
https://myoc.io/dMF3Qr5qUu6

There are a ton of things to consider when getting ready to purchase a new home. Here are some important Do's and Don'ts...
12/07/2023

There are a ton of things to consider when getting ready to purchase a new home. Here are some important Do's and Don'ts within the home buying process.

𝐃𝐨:
•Do get preapproved before house hunting.
•Do save more than you think you will need.
•Do ask as many questions as possible and explore your loan options with me.
•Do read you mortgage disclosures.
•Do get all your financial paperwork in order.

𝐃𝐨𝐧'𝐭:
•Do not open new credit.
•Do not make any large bank deposits.
•Do not make any large purchases.
•Do not close any credit card accounts.
•Do not max out or overcharge existing credit cards.

Have more mortgage questions? Contact me today!
https://myoc.io/dMF3Qr5qUu6

Check out this Mortgage Fun Fact! The median down payment for first-time home buyers in the U.S. is 7% while the median ...
12/04/2023

Check out this Mortgage Fun Fact!

The median down payment for first-time home buyers in the U.S. is 7% while the median down payment for home buyers is 12%. You do not need to have a 20% down payment in order to purchase a home. Don't let this myth lean you away from purchasing your home.

Have any more questions about down payments or the mortgage process, I am happy to talk to you today!
https://myoc.io/dMF3Qr5qUu6

Address

3833 Cascade Creek Road NW
Rochester, MN
55901

Opening Hours

Monday 9am - 5:30pm
Tuesday 9am - 5:30pm
Wednesday 9am - 5:30pm
Thursday 9am - 5:30pm
Friday 9am - 5:30pm

Telephone

+15072582192

Website

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