Melanie Benjamin, NMLS #533157 - Homeowners Financial Group

Melanie Benjamin, NMLS #533157 - Homeowners Financial Group Apply Now: www.melaniethemortgagelady.com
Text or Call: 651-261-4789 Check out my digital business card here: https://lnkme.us/mortgagelady

Celebrating the moms, stepmoms, grandmas, aunties, and mother-figures who make life feel steady, safe, and loved—like ho...
05/10/2026

Celebrating the moms, stepmoms, grandmas, aunties, and mother-figures who make life feel steady, safe, and loved—like home.
https://myoc.io/melaniethemortgagelady

NMLS # 533157

This week’s national housing data points to a market that is giving buyers a little more room, but not necessarily more ...
05/08/2026

This week’s national housing data points to a market that is giving buyers a little more room, but not necessarily more certainty. Mortgage rates remain elevated, inventory is higher than last year, and homes are taking slightly longer to sell. At the same time, prices are still holding up in the existing-home market, while new-home pricing has softened.
https://myoc.io/melaniethemortgagelady

NMLS # 533157

Are you ready to turn dreams into reality? Whether you're envisioning a cozy cottage or a spacious family home, I'm here...
05/04/2026

Are you ready to turn dreams into reality? Whether you're envisioning a cozy cottage or a spacious family home, I'm here to guide you through the mortgage process seamlessly.

With a range of financing options tailored to your needs, say goodbye to uncertainty and hello to the keys of your new home. Curious about how to get started? I'm just a message away to help unlock the possibilities.

What does your dream home look like and how can I help? 🌟 Let's chat in the comments or send me a DM!
https://myoc.io/melaniethemortgagelady



NMLS # 533157

More sellers are stepping back into the market.Redfin reports new listings rose 2.2% year over year for the four weeks e...
05/02/2026

More sellers are stepping back into the market.

Redfin reports new listings rose 2.2% year over year for the four weeks ending April 26, while pending sales increased 2.7% YoY. At the same time, the 30-year fixed rate is still sitting around the mid-6% range, with Mortgage News Daily at 6.44% on May 1.

Takeaway: Buyers may have more choices, but affordability is still doing a lot of the decision-making.
https://myoc.io/melaniethemortgagelady

NMLS # 533157

This week’s national housing picture shows a market with improving supply, still-elevated financing costs, and demand th...
04/25/2026

This week’s national housing picture shows a market with improving supply, still-elevated financing costs, and demand that remains selective. Mortgage rates are holding in the low-6% range, new listings are picking up, active inventory is higher than a year ago, and homes are taking longer to sell. At the same time, existing-home prices are still rising modestly, while the latest new-home price data remains delayed and is still based on January’s release.
https://myoc.io/melaniethemortgagelady

NMLS # 533157

home doesn’t have to feel complicated. With the right lender, you can feel confident every step of the way — from pre-ap...
04/20/2026

home doesn’t have to feel complicated. With the right lender, you can feel confident every step of the way — from pre-approval to closing day.
At Homeowners Financial Group, we make it simple, supportive, and exciting.
https://myoc.io/melaniethemortgagelady

NMLS # 533157

Rates eased a bit this week, but the broader housing market still looks mixed. Mortgage pricing improved from a week ago...
04/17/2026

Rates eased a bit this week, but the broader housing market still looks mixed. Mortgage pricing improved from a week ago, yet contract activity remains soft, homes are taking longer to move, and buyers are still very payment-sensitive. At the same time, national inventory is meaningfully better than a year ago on the monthly data, which gives agents a more balanced story to share with clients.
https://myoc.io/melaniethemortgagelady

NMLS # 533157

🏡✨ Unlock the Door to Your Dream Home! ✨🏡Did you know that your Debt-To-Income (DTI) ratio plays a key role in securing ...
04/17/2026

🏡✨ Unlock the Door to Your Dream Home! ✨🏡

Did you know that your Debt-To-Income (DTI) ratio plays a key role in securing your ideal mortgage? 🤔 Let's decipher this crucial piece together!

DTI is simply your total monthly debt payments divided by your gross monthly income. It’s a snapshot lenders use to gauge your borrowing capability. 📊 Wondering what affects it? Your student loans, car payments, credit card debt, and other monthly obligations weigh in.

Why does DTI matter? 🧐 A lower DTI percentage can lead to better loan offers, enabling you to afford the home of your dreams without stretching your budget too thin. Think of it as unlocking more doors in your home-buying journey! 🔑

Let's embark on this adventure together and find the key to the right mortgage for you. Ready to talk numbers or explore ways to improve your DTI for a sweeter loan deal? DM me! 📩

🌟

https://myoc.io/melaniethemortgagelady

NMLS # 533157

Address

67 10th Avenue S
Waite Park, MN
56387

Telephone

+16512614789

Website

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