I recently had the chance to interview a few of my past clients and we got to chat about how they’re enjoying their new homes along with what part of their home is their favorite feature and what makes their house a home.
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One important aspect of homeownership that often gets overlooked is home winterization, especially if you live in a state like Minnesota where winters can be harsh.
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If a borrower’s LTV ratio is above 80% at closing, lenders require monthly mortgage insurance premiums. Because borrowers who put down 20% or more at closing are less likely to default on their loan, lenders typically do not require them to pay mortgage insurance.
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If you're planning to buy a lakeshore home in Minnesota or western Wisconsin, come prepared with the right questions so you’re ready to make an offer when the right property comes along.
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