Ian Ebner - Mortgage Broker

02/22/2024

02/12/2024

I talk to a lot of people who want to buy a house, but are concerned about how to get the down payment and don’t feel it’s feasible for them. There’s a lot of possible sources and the percent you need to put down might be lower than you think! While there are some advantages to the 20% down “rule” that you often hear quoted, there’s a lot of options available in the 0-5% down range. Let’s look at your options and make a plan!

Need some ideas on how to source a down payment?
1. Savings - Set aside money each paycheck and let that account balance accrue! Need help making a savings plan? I'm here for you.
2. Gift funds - Family or friends capable of such generosity are able to contribute gift funds towards a down payment.
3. Down Payment Assistance programs - We have access to many down payment assistance programs to help you secure funding for your down payment.
4. Retirement Accounts - Did you know that you can pull money from your retirement accounts to pay for your down payment. For example, as a first-time homebuyer you can withdraw up to $10,000 for a home purchase from an IRA without having to pay an early withdrawal penalty.
5. Sale of a Previous Home - If you already own your home, you can use the proceeds from the sale of your current home towards the purchase of your new home.

02/08/2024

Ever been curious about what a mortgage broker is and how we are different than a direct lender like a bank? Here's some of the many benefits of working with a broker.

1. Save time and money. We partner with many different lenders, which means we have more choices and access to lower rates and exclusive deals. Whether your priority is monthly payment, interest rate, or your down payment, we've got options for you.
2. Customized solutions. We live and breathe mortgage and are committed to using our knowledge to help our clients. It could be advice on which type of mortgage is the best fit for you, making a plan to improve your credit, or options to source your down payment funds. We're here to advise and educate you!
3. Guidance through the process. When you work with a mortgage broker, you have a consistent, direct contact who will always be there to answer any question and knows you and your needs. We work for YOU, not the lender! We are an independent party and work directly for you, the client. This means we don't have any incentive to recommend one lender vs another and will always work to make sure you get the right mortgage solution for you.

Give me a call at 612-244-9083 or email me at [email protected] to see the difference working with a broker makes!

02/05/2024

Is homeownership on your 2024 goals list? One of the first and most important steps is to sit down with a qualified lender to see what you can afford, establish your priorities, make a plan for any financial improvements needed, and get pre-approved.

Whether you're ready to start hitting open houses now or just starting to dream about homeownership I'd love to sit down and see what the reality of homeownership looks like for you. Call or text at 612-244-9083 or email me at [email protected]!

02/05/2024

Very tricky choice, but I think I have to go with B. How about you?

06/30/2023

Our clients are amazing!

Buying a home can be an overwhelming process. We prioritize education and strive to help make sure all of our clients feel informed and confident about their mortgage decision.

Thank you, Rachel and Weston, for the review! We loved working with you and are so glad to hear you enjoyed your experience with Neighborship.

11/30/2022

08/29/2022

Congratulations to first time homebuyers Jake and Cassidy! It was a pleasure working with you and I hope your new home brings you many years of happiness.

08/02/2022

Congratulations to Rachel and Weston! It was so great working with you and I’m so happy you found a home you love!

Shoutout to realtor Ben Nadeau / Realty Group! He was so easy to work with and did a great job. Give him a call if you’re in need of someone to help you buy or sell a home.