Mortgages With Tina
@mortgageswithtina.bsky.social
Mortgage Loan Officer in Minnesota. Looking to help first time buyers feel confident during the buying process.
Nmls #1057827
www.mortgageswithtina.com
Nmls #1057827
www.mortgageswithtina.com
Financial Facts Friday: Build an emergency fund to protect your budget from surprises. Aim for at least 3 to 6 months of living expenses. This safety net keeps you covered during job changes, medical bills, or unexpected repairs. Start small and grow your cushion over time.
#FinancialTips
#FinancialTips
December 19, 2025 at 11:00 AM
Financial Facts Friday: Build an emergency fund to protect your budget from surprises. Aim for at least 3 to 6 months of living expenses. This safety net keeps you covered during job changes, medical bills, or unexpected repairs. Start small and grow your cushion over time.
#FinancialTips
#FinancialTips
Client Review: “Tina was knowledgeable about my options for owning a home. Tina was responsive and patient with my questions. They made the process easy and I trusted the info.” Ready for a stress-free home loan experience? I'm here to help.
#ClientReview #MortgageTips #HomeLoanExpert
#ClientReview #MortgageTips #HomeLoanExpert
December 18, 2025 at 11:00 AM
Client Review: “Tina was knowledgeable about my options for owning a home. Tina was responsive and patient with my questions. They made the process easy and I trusted the info.” Ready for a stress-free home loan experience? I'm here to help.
#ClientReview #MortgageTips #HomeLoanExpert
#ClientReview #MortgageTips #HomeLoanExpert
Principal is the total amount you borrow in your home loan when buying a house. Each mortgage payment chips away at that big number. Think of principal as the main character in your homeownership story. The closer you get to zero, the closer you are to owning your home outright.
#HomeLoanBasics
#HomeLoanBasics
December 16, 2025 at 11:00 AM
Principal is the total amount you borrow in your home loan when buying a house. Each mortgage payment chips away at that big number. Think of principal as the main character in your homeownership story. The closer you get to zero, the closer you are to owning your home outright.
#HomeLoanBasics
#HomeLoanBasics
Rates can change overnight, and homes often sell in a flash. The best way to feel confident when the right home pops up? Get pre-approved now. It’s simple, stress-free, and gives you the power to act fast when it matters most. Ready to start planning ahead? Let’s talk.
December 15, 2025 at 11:00 AM
Rates can change overnight, and homes often sell in a flash. The best way to feel confident when the right home pops up? Get pre-approved now. It’s simple, stress-free, and gives you the power to act fast when it matters most. Ready to start planning ahead? Let’s talk.
Friday Financial Facts: Avoid Credit Card Debt
Did you know high balances can drag down your credit score? Keeping your utilization low is key.
The best move? Pay your balances in full each month. Your future self (and your credit score) will thank you!
Did you know high balances can drag down your credit score? Keeping your utilization low is key.
The best move? Pay your balances in full each month. Your future self (and your credit score) will thank you!
December 12, 2025 at 10:59 AM
Friday Financial Facts: Avoid Credit Card Debt
Did you know high balances can drag down your credit score? Keeping your utilization low is key.
The best move? Pay your balances in full each month. Your future self (and your credit score) will thank you!
Did you know high balances can drag down your credit score? Keeping your utilization low is key.
The best move? Pay your balances in full each month. Your future self (and your credit score) will thank you!
Helping clients feel confident and cared for is what it’s all about. This client said everything was smooth and transparent—and our tracker gave peace of mind every step. Questions? We had answers. Ready for a stress-free process? Let’s talk.
#ClientLove #HomeBuyingJourney #MortgageMadeSimple
#ClientLove #HomeBuyingJourney #MortgageMadeSimple
December 11, 2025 at 11:00 AM
Helping clients feel confident and cared for is what it’s all about. This client said everything was smooth and transparent—and our tracker gave peace of mind every step. Questions? We had answers. Ready for a stress-free process? Let’s talk.
#ClientLove #HomeBuyingJourney #MortgageMadeSimple
#ClientLove #HomeBuyingJourney #MortgageMadeSimple
Not every season is buying season—and that’s the truth most lenders won’t tell you. Sometimes the smartest move is to wait, save, or strategize. Want clarity? DM me for an honest assessment—because the right move now can save you headaches later.
#HomeBuyingTips #MortgageAdvice #TwinCitiesLiving
#HomeBuyingTips #MortgageAdvice #TwinCitiesLiving
December 10, 2025 at 11:00 AM
Not every season is buying season—and that’s the truth most lenders won’t tell you. Sometimes the smartest move is to wait, save, or strategize. Want clarity? DM me for an honest assessment—because the right move now can save you headaches later.
#HomeBuyingTips #MortgageAdvice #TwinCitiesLiving
#HomeBuyingTips #MortgageAdvice #TwinCitiesLiving
Mortgage Terminology Tuesday: Reserves
Think of reserves as your rainy-day fund for your mortgage. Lenders want to see you have a cushion after closing—usually enough for a few months of payments. Curious how much you need? Let’s chat!
#MortgageTerminologyTuesday #HomeBuyingTips #MortgageAdvice
Think of reserves as your rainy-day fund for your mortgage. Lenders want to see you have a cushion after closing—usually enough for a few months of payments. Curious how much you need? Let’s chat!
#MortgageTerminologyTuesday #HomeBuyingTips #MortgageAdvice
December 9, 2025 at 11:00 AM
Mortgage Terminology Tuesday: Reserves
Think of reserves as your rainy-day fund for your mortgage. Lenders want to see you have a cushion after closing—usually enough for a few months of payments. Curious how much you need? Let’s chat!
#MortgageTerminologyTuesday #HomeBuyingTips #MortgageAdvice
Think of reserves as your rainy-day fund for your mortgage. Lenders want to see you have a cushion after closing—usually enough for a few months of payments. Curious how much you need? Let’s chat!
#MortgageTerminologyTuesday #HomeBuyingTips #MortgageAdvice
Looking back on this year fills me with gratitude. Together we made big moves: 10 amazing people made MN home, 44 first-time buyers got their first keys, 51 families started new chapters, and 27 free workshops helped folks feel confident. Every number tells a story—thank you for trusting me!
December 8, 2025 at 11:00 AM
Looking back on this year fills me with gratitude. Together we made big moves: 10 amazing people made MN home, 44 first-time buyers got their first keys, 51 families started new chapters, and 27 free workshops helped folks feel confident. Every number tells a story—thank you for trusting me!
The countdown is on for the last free webinars of the year!
Dec 9: Moving to Minnesota 101
Dec 10: Keys to Your First Home
Dec 11: Lunch & Loans - Helping Clients with credit challenges
Don’t miss your chance to get expert tips before 2026. Sign up now! Links in bio.
#MinnesotaLiving #FreeWebinar
Dec 9: Moving to Minnesota 101
Dec 10: Keys to Your First Home
Dec 11: Lunch & Loans - Helping Clients with credit challenges
Don’t miss your chance to get expert tips before 2026. Sign up now! Links in bio.
#MinnesotaLiving #FreeWebinar
December 5, 2025 at 9:18 PM
The countdown is on for the last free webinars of the year!
Dec 9: Moving to Minnesota 101
Dec 10: Keys to Your First Home
Dec 11: Lunch & Loans - Helping Clients with credit challenges
Don’t miss your chance to get expert tips before 2026. Sign up now! Links in bio.
#MinnesotaLiving #FreeWebinar
Dec 9: Moving to Minnesota 101
Dec 10: Keys to Your First Home
Dec 11: Lunch & Loans - Helping Clients with credit challenges
Don’t miss your chance to get expert tips before 2026. Sign up now! Links in bio.
#MinnesotaLiving #FreeWebinar
Friday Financial Facts: Got high-interest debt? Consider a personal loan to consolidate it! One payment, lower rates, and a chance to boost your credit score. Think of it as turning a messy pile of bills into one neat package. Curious? Ask away!
#DebtConsolidationTips
#DebtConsolidationTips
December 5, 2025 at 11:00 AM
Friday Financial Facts: Got high-interest debt? Consider a personal loan to consolidate it! One payment, lower rates, and a chance to boost your credit score. Think of it as turning a messy pile of bills into one neat package. Curious? Ask away!
#DebtConsolidationTips
#DebtConsolidationTips
This client came to me after a rough start—and left with a new home and peace of mind. If you’ve felt dismissed by lenders, I’m here to change that.
#MortgageMN #FirstTimeBuyer #TwinCitiesHomes #HomeLoanHelp #RealEstateSupport
#MortgageMN #FirstTimeBuyer #TwinCitiesHomes #HomeLoanHelp #RealEstateSupport
December 4, 2025 at 10:59 AM
This client came to me after a rough start—and left with a new home and peace of mind. If you’ve felt dismissed by lenders, I’m here to change that.
#MortgageMN #FirstTimeBuyer #TwinCitiesHomes #HomeLoanHelp #RealEstateSupport
#MortgageMN #FirstTimeBuyer #TwinCitiesHomes #HomeLoanHelp #RealEstateSupport
Thinking about moving to Minnesota or buying your first home? Join our free December webinars: Moving to Minnesota 101, Keys to Your First Home, and Lunch & Loans. Learn housing trends, cost of living, and credit tips. Register now—link in bio!
December 3, 2025 at 11:00 AM
Thinking about moving to Minnesota or buying your first home? Join our free December webinars: Moving to Minnesota 101, Keys to Your First Home, and Lunch & Loans. Learn housing trends, cost of living, and credit tips. Register now—link in bio!
✨Mortgage Term: Rate Buydown✨
Pay upfront at closing to lower your interest rate—and your monthly payment. Choose a temporary buydown for the first few years or a permanent buydown for the life of the loan. Smart strategy for today’s market!
#MortgageTips #RateBuydown #HomeLoanHelp
Pay upfront at closing to lower your interest rate—and your monthly payment. Choose a temporary buydown for the first few years or a permanent buydown for the life of the loan. Smart strategy for today’s market!
#MortgageTips #RateBuydown #HomeLoanHelp
December 2, 2025 at 11:00 AM
✨Mortgage Term: Rate Buydown✨
Pay upfront at closing to lower your interest rate—and your monthly payment. Choose a temporary buydown for the first few years or a permanent buydown for the life of the loan. Smart strategy for today’s market!
#MortgageTips #RateBuydown #HomeLoanHelp
Pay upfront at closing to lower your interest rate—and your monthly payment. Choose a temporary buydown for the first few years or a permanent buydown for the life of the loan. Smart strategy for today’s market!
#MortgageTips #RateBuydown #HomeLoanHelp
Big news! Guild teamed up with Bayview to create one of the strongest mortgage ecosystems in the nation. Same Guild team you trust, now with more resources to make buying, refinancing, and homeownership smoother than ever. Stay tuned for what’s next!
#MortgageNews #GuildMortgage
#MortgageNews #GuildMortgage
December 1, 2025 at 5:58 PM
Big news! Guild teamed up with Bayview to create one of the strongest mortgage ecosystems in the nation. Same Guild team you trust, now with more resources to make buying, refinancing, and homeownership smoother than ever. Stay tuned for what’s next!
#MortgageNews #GuildMortgage
#MortgageNews #GuildMortgage
Hello December! ❄️ Minnesota winter is here—keep your home safe and cozy:
✔ Test smoke & CO detectors
✔ Replace furnace filter
✔ Insulate pipes
✔ Clear snow & ice
✔ Check roof for ice dams
✔ Prep emergency kit
Save this & share! #HomeTips #MinnesotaHomes
✔ Test smoke & CO detectors
✔ Replace furnace filter
✔ Insulate pipes
✔ Clear snow & ice
✔ Check roof for ice dams
✔ Prep emergency kit
Save this & share! #HomeTips #MinnesotaHomes
December 1, 2025 at 11:00 AM
Hello December! ❄️ Minnesota winter is here—keep your home safe and cozy:
✔ Test smoke & CO detectors
✔ Replace furnace filter
✔ Insulate pipes
✔ Clear snow & ice
✔ Check roof for ice dams
✔ Prep emergency kit
Save this & share! #HomeTips #MinnesotaHomes
✔ Test smoke & CO detectors
✔ Replace furnace filter
✔ Insulate pipes
✔ Clear snow & ice
✔ Check roof for ice dams
✔ Prep emergency kit
Save this & share! #HomeTips #MinnesotaHomes
Today is a time for rest and connection—but also reflection. Honor Indigenous communities by learning about the Dakota and Ojibwe Nations, supporting Native-owned businesses, and sharing resources. Care for yourself and each other.
#HonorIndigenousPeople #CommunityCare
#HonorIndigenousPeople #CommunityCare
November 27, 2025 at 11:00 AM
Today is a time for rest and connection—but also reflection. Honor Indigenous communities by learning about the Dakota and Ojibwe Nations, supporting Native-owned businesses, and sharing resources. Care for yourself and each other.
#HonorIndigenousPeople #CommunityCare
#HonorIndigenousPeople #CommunityCare
Join us for Lunch & Loans: Helping Buyers with Credit Challenges on Dec 11 at 1 PM CST. Learn credit strategies, explore loan options, and gain tools to guide clients with confidence. Free webinar—save your spot now!
#RealEstateTips #CreditHelp #FreeWebinar
#RealEstateTips #CreditHelp #FreeWebinar
November 26, 2025 at 12:00 PM
Join us for Lunch & Loans: Helping Buyers with Credit Challenges on Dec 11 at 1 PM CST. Learn credit strategies, explore loan options, and gain tools to guide clients with confidence. Free webinar—save your spot now!
#RealEstateTips #CreditHelp #FreeWebinar
#RealEstateTips #CreditHelp #FreeWebinar
Ever wonder how long a mortgage pre-approval lasts? Most are good for 60–90 days because your credit, income, or debt can change. If you’re buying in Minnesota, knowing this keeps you ready. Questions? Ask anytime—no pressure!
#MortgagePreApproval #HomeBuyingTips
#MortgagePreApproval #HomeBuyingTips
November 26, 2025 at 11:00 AM
Ever wonder how long a mortgage pre-approval lasts? Most are good for 60–90 days because your credit, income, or debt can change. If you’re buying in Minnesota, knowing this keeps you ready. Questions? Ask anytime—no pressure!
#MortgagePreApproval #HomeBuyingTips
#MortgagePreApproval #HomeBuyingTips
Curious about MN homeownership? Join me for a free webinar on Dec 10 at 6:30 PM CST. In one hour, I’ll cover budgeting, credit, and choosing the right team so you can buy with confidence. Spots are limited—save yours now!
#MinnesotaHomebuyers #FirstTimeHomebuyer #FreeWebinar
#MinnesotaHomebuyers #FirstTimeHomebuyer #FreeWebinar
November 25, 2025 at 5:10 PM
Curious about MN homeownership? Join me for a free webinar on Dec 10 at 6:30 PM CST. In one hour, I’ll cover budgeting, credit, and choosing the right team so you can buy with confidence. Spots are limited—save yours now!
#MinnesotaHomebuyers #FirstTimeHomebuyer #FreeWebinar
#MinnesotaHomebuyers #FirstTimeHomebuyer #FreeWebinar
Ever wonder how long a mortgage pre-approval lasts? Spoiler: it’s not forever! Most last 60–90 days because life (and your finances) change. Buying in MN? Stay ready by refreshing yours. Questions? I’ve got you—no pressure!
#HomeBuyingTips #MortgagePreApproval
#HomeBuyingTips #MortgagePreApproval
November 25, 2025 at 11:00 AM
Ever wonder how long a mortgage pre-approval lasts? Spoiler: it’s not forever! Most last 60–90 days because life (and your finances) change. Buying in MN? Stay ready by refreshing yours. Questions? I’ve got you—no pressure!
#HomeBuyingTips #MortgagePreApproval
#HomeBuyingTips #MortgagePreApproval
Is the housing market turning a corner? NAR projects 2026 could bring 14% more home sales, mortgage rates near 6%, and prices up about 4%. Lower borrowing costs and steady demand may create opportunities. Ready to plan your next move? #HousingMarket2026 #HomeBuyingTips #MortgageRates
November 24, 2025 at 5:58 PM
Is the housing market turning a corner? NAR projects 2026 could bring 14% more home sales, mortgage rates near 6%, and prices up about 4%. Lower borrowing costs and steady demand may create opportunities. Ready to plan your next move? #HousingMarket2026 #HomeBuyingTips #MortgageRates
Payday loans might look like a quick fix, but they come with sky-high interest and can wreck your credit score. If you’re in a pinch, there are better options. Let’s talk smart money moves that keep your future home goals on track. Twin Cities buyers, I’ve got you.
November 21, 2025 at 10:59 AM
Payday loans might look like a quick fix, but they come with sky-high interest and can wreck your credit score. If you’re in a pinch, there are better options. Let’s talk smart money moves that keep your future home goals on track. Twin Cities buyers, I’ve got you.
Client Review Spotlight!
“Overall extremely smooth process. Quick to answer any and all questions.”
Buying a home comes with a lot of questions—and I’m here for all of them. Let’s make the process feel calm, clear, and doable.
#MortgageLenderMN #FirstTimeBuyer #TwinCitiesRealEstate #HomeLoanSupport
“Overall extremely smooth process. Quick to answer any and all questions.”
Buying a home comes with a lot of questions—and I’m here for all of them. Let’s make the process feel calm, clear, and doable.
#MortgageLenderMN #FirstTimeBuyer #TwinCitiesRealEstate #HomeLoanSupport
November 20, 2025 at 11:00 AM
Client Review Spotlight!
“Overall extremely smooth process. Quick to answer any and all questions.”
Buying a home comes with a lot of questions—and I’m here for all of them. Let’s make the process feel calm, clear, and doable.
#MortgageLenderMN #FirstTimeBuyer #TwinCitiesRealEstate #HomeLoanSupport
“Overall extremely smooth process. Quick to answer any and all questions.”
Buying a home comes with a lot of questions—and I’m here for all of them. Let’s make the process feel calm, clear, and doable.
#MortgageLenderMN #FirstTimeBuyer #TwinCitiesRealEstate #HomeLoanSupport
Let’s settle a very important debate. Who has the best cozy drink spot in Minnesota right now? Your go-to fall treat says a lot about your vibe and maybe even the kind of neighborhood you’d love to live in. Drop your fav in the comments.
#MinnesotaFall #TwinCitiesHomes #CozyVibes #HomeGoals
#MinnesotaFall #TwinCitiesHomes #CozyVibes #HomeGoals
November 19, 2025 at 11:00 AM
Let’s settle a very important debate. Who has the best cozy drink spot in Minnesota right now? Your go-to fall treat says a lot about your vibe and maybe even the kind of neighborhood you’d love to live in. Drop your fav in the comments.
#MinnesotaFall #TwinCitiesHomes #CozyVibes #HomeGoals
#MinnesotaFall #TwinCitiesHomes #CozyVibes #HomeGoals