Andrew Chermak, Mortgage Expert

Andrew Chermak, Mortgage Expert Andrew Chermak is a cofounder of the John Galt Mortgage Company, NMLS #2465776 Andrew Chermak is a cofounder of the John Galt Mortgage Company, NMLS #2465776.

The John Galt Mortgage Company NMLS #2465776 ( www.nmlsconsumeraccess.org ) 18 Broad Street, Unit 200, Suite 7, Charleston, SC 29401. 586-344-3344. All rights reserved. The John Galt Mortgage Company is an Equal Housing Opportunity Lender. This is not an offer to enter into an agreement. Information, rates, and programs are subject to change without prior notice and may not be available in all sta

tes. All products are subject to credit and property approval. The John Galt Mortgage Company is absolutely not affiliated with any government agency. The formation of the Federal Government and its current overreaching status is a crime against humanity. For licensing information, go to: www.nmlsconsumeraccess.org. The John Galt Mortgage Company is an equal opportunity employer and does not practice discrimination based on age, gender, race, religion, national origin, as well as any other rights afforded to applicants under state and federal law.

Listing of the week 🎉- Beautifully renovated single-family home- 3-bedroom, 2-bath (1 full + 1 ¾) - Modern updates throu...
01/15/2026

Listing of the week 🎉

- Beautifully renovated single-family home
- 3-bedroom, 2-bath (1 full + 1 ¾)
- Modern updates throughout
- High-end kitchen: sleek cabinetry, premium appliances, elegant countertops, and thoughtful finishes that elevate everyday living
- Spacious living areas, cozy bedrooms, updated bathroom, and functional layout—perfect for any stage of life
- Fresh renovations shine in every room, with modern flooring, lighting, and details creating a move-in-ready feel
- Ideal Midwest gem blending comfort, style, and convenience
- And much more

📍 Located at 1210 Willmar Ave SW, Willmar, MN 56201
🏡 Listed by Justin & Angela Paffrath - Edina Realty

-Andrew

PS - Here's all the boring stuff I'm legally required to put in all of my social media posts:

(320) 212-1727 | NMLS #2472105
John Galt Mortgage Company NMLS #2465776 | Equal Housing Lender
Licensed in MN, FL, GA, MI, MT, NC, ND, OH, TN, TX, WA

Listing of the week! Welcome home to this beautifully updated one-level living home!- Situated on a quiet street and cor...
01/09/2026

Listing of the week! Welcome home to this beautifully updated one-level living home!

- Situated on a quiet street and corner lot
- Thoughtfully remodeled and stunning upgrades throughout
- 3 bedrooms / 1 bathroom
- Gorgeous, modern kitchen w/undermounted lighting in the cabinets
- Walk-in pantry for exceptional storage
- Bright and inviting 3-season porch, ideal for morning coffee or cozy evenings
- Brand-new storage/garden shed
- Move-in ready
- And so much more!

Located at 1105 Florence Ln, Willmar and listed by Tina V Holthusen!

-Andrew

PS - Here's all the boring stuff I'm legally required to put in all of my social media posts:

(320) 212-1727 | NMLS #2472105
John Galt Mortgage Company NMLS #2465776 | Equal Housing Lender
Licensed in MN, FL, GA, MI, MT, NC, ND, OH, TN, TX, WA

GUESS THE PRICE!Welcome back for another round of "guess the price". This week, I'm featuring this lovely listing here i...
12/22/2025

GUESS THE PRICE!

Welcome back for another round of "guess the price".

This week, I'm featuring this lovely listing here in Willmar - listed by Ben Hooper - Lakes Area Realty.

- 2 bedrooms, 2 bathrooms
- Primary suite w/ walk-in closet and private bathroom
- Dual living space
- Natural gas fireplace
- Vaulted ceiling
- Kitchen complete with granite countertops and walkout to the spacious patio
- 2-stall garage has a large storage area above, and the location is convenient to all that Willmar has to offer! - And so much more

The FIRST to guess the price correctly (or first to guess the closest without going over) will have a small gift sent their way. :)

-Andrew

PS - Here's all the boring stuff I'm legally required to put in all of my social media posts:

(320) 212-1727 | NMLS #2472105
John Galt Mortgage Company NMLS #2465776 | Equal Housing Lender
Licensed in MN, FL, GA, MI, MT, NC, ND, OH, TN, TX, WA

12/19/2025

How much income do you need to qualify for this listing?

This is 117 Main St N here in New London. Listed by Ben Hooper - Lakes Area Realty. Some details about the property:
- 4 bedrooms & 3 bathrooms
- Located just blocks from New London-Spicer schools, great shopping, biking trails, great restaurants and entertainment!
- You're welcomed with a large front porch!
- Detached 1 stall garage also features a tuck under for your lawn equipment, storage, workshop or whatever suits you!
- Lots of recent major updates
- And much more

I do the math in this video to break down how much you would need to make in order to afford this property.

If you have any questions, feel free to reach out!

-Andrew

PS - Here's all the boring stuff I'm legally required to put in all of my social media posts:

(320) 212-1727 | NMLS #2472105
John Galt Mortgage Company NMLS #2465776 | Equal Housing Lender
Licensed in MN, FL, GA, MI, MT, NC, ND, OH, TN, TX, WA

I've fallen a bit behind on mailing these out, but if you've won my "guess the price" for a local listing, you'll have a...
12/19/2025

I've fallen a bit behind on mailing these out, but if you've won my "guess the price" for a local listing, you'll have a $20 gift card to my favorite local coffee shop, Goodness Coffee Company coming your way! ☕️

Listing of the week!- Eagle Lake views- 4 beds, 2 baths- Big ½-acre yard + 3-season porch- Kitchen & new appliances- Pri...
12/11/2025

Listing of the week!

- Eagle Lake views
- 4 beds, 2 baths
- Big ½-acre yard + 3-season porch
- Kitchen & new appliances
- Primary suite + laundry + electric fireplace downstairs
- Many recent updates (windows, roof, porch, garage, etc.)
- Close to Willmar & Spicer
- And so much more!

Located at 3091 77th Ave NE, Willmar

Listed by Justin & Angela Paffrath - Edina Realty

-Andrew

PS - Here's all the boring stuff I'm legally required to put in all of my social media posts:

(320) 212-1727 | NMLS #2472105
John Galt Mortgage Company NMLS #2465776 | Equal Housing Lender
Licensed in MN, FL, GA, MI, MT, NC, ND, OH, TN, TX, WA

This book was recently gifted to me from Trinity Arl, an employee of The John Galt Mortgage Company.She knows I love my ...
12/09/2025

This book was recently gifted to me from Trinity Arl, an employee of The John Galt Mortgage Company.She knows I love my home, business bios, and history. The book is from 1982 and was found in a used book store in St. Petersburg, FL of all places. It's the perfect book for someone with my interests.

This excerpt perfectly summarizes why Minnesota needs a healthy business start up community much more than other states, but our public policy ranks amongst the lowest nationally for fostering this environment.

"In Minnesota, local entrepreneurship is more important for job creation than in other parts of the country. The region lacks energy, is on the geographical margin of the national markets, and does not have low-priced labor. Circumstances would seem to demand that people within the state invent ways to serve the national and local markets and thus to create the jobs that otherwise would never exist here."
I'll post some of the locally famous names who are featured in the book below in the comments (along with their companies and inflation adjusted net worths).

If we were to create a "new" list of Minnesota's top business success stories from 1982-present, are there any notable founders or companies that stand out as obvious candidates?

-Andrew
320-212-1727

GUESS THE PRICE!- Nicely maintained 4 bed/ 2 bath home- New shingles and gutters, a newer furnace, updated kitchen cabin...
12/02/2025

GUESS THE PRICE!

- Nicely maintained 4 bed/ 2 bath home
- New shingles and gutters, a newer furnace, updated kitchen cabinets and appliances and fresh paint nearly through out
- Breakfast nook, featuring built-in cabinetry
- Spacious corner lot and an oversized 2-stall garage built in 2006
- And much more

Listed by Lakes Area Team- Debbie Caylor and Tina Holthusen !

The FIRST to guess correctly or closest without going over will have something small coming their way!

-Andrew

PS - Here's all the boring stuff I'm legally required to put in all of my social media posts:

(320) 212-1727 | NMLS #2472105
John Galt Mortgage Company NMLS #2465776 | Equal Housing Lender
Licensed in MN, FL, GA, MI, MT, NC, ND, OH, TN, TX, WA

Happy Thanksgiving! I'm 5th generation in my hometown, which also happens to be the "turkey capital of the world".My fam...
11/27/2025

Happy Thanksgiving! I'm 5th generation in my hometown, which also happens to be the "turkey capital of the world".

My family has also played a role in perpetuating that local claim to fame.

For fun, here's my grandparents' turkey farm in the 1940s:

-Andrew

In the turkey world, all roads lead to Willmar. With Thanksgiving around the corner, I'd like to highlight what I think ...
11/26/2025

In the turkey world, all roads lead to Willmar. With Thanksgiving around the corner, I'd like to highlight what I think is Willmar's best kept secret, Headstart Hatching.

When a town is known for one specific industry, they over time tend to slowly lose the cutting edge that made them stand out as more competitors and innovators enter the scene (think Detroit with cars or Pittsburgh with steel). It's pretty cool that in the globally commoditized world of food production, Willmar has stood the test of time and is still the leading center for innovation in our flagship industry, turkeys.

Born in the skunkworks of Willmar Poultry's R&D division, they discovered an innovative way to hatch healthier poults that proceed to grow faster and stronger than turkeys from conventional turkey hatcheries. Now, a local Willmar owned company has the largest ag corporations lining up to have them incubate and hatch poults for their farmers. They're just wrapping up their first year and the sky's the limit for this new company.

Whether your Thanksgiving bird came from a national brand or a free range flock, there's a good chance it started its life at Headstart Hatching, Willmar's newest company in one of our oldest industries.

Locally owned: Yes
Employees: 65
Years in business: 1

GUESS THE PRICE!-1989 single-level rambler on Valley Golf Course (Willmar, MN)-2 beds, 3 baths with updated granite, har...
11/25/2025

GUESS THE PRICE!

-1989 single-level rambler on Valley Golf Course (Willmar, MN)
-2 beds, 3 baths with updated granite, hardwood floors & Marvin windows
-Luxe master suite: soaking tub + walk-in shower
-2 cozy fireplaces + main-floor laundry
-Heated 2-car garage + extra storage shed, move-in ready!
-And so much more

Listed by Jason Dowdey Weichert Realtors Tower Properties

The FIRST person to guess the price correctly will have a small treat coming their way👀

Put your guesses down below!

-Andrew

PS - Here's all the boring stuff I'm legally required to put in all of my social media posts:

(320) 212-1727 | NMLS #2472105
John Galt Mortgage Company NMLS #2465776 | Equal Housing Lender
Licensed in MN, FL, GA, MI, MT, NC, ND, OH, TN, TX, WA

Address

1700 Technology Drive, Suite 110
Willmar, MN
56201

Telephone

+13202121727

Website

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