Deborah Baier Real Estate

06/01/2026

Your credit score isn’t based on everything.

What matters most?
✔️ Payment history
✔️ Credit utilization
✔️ Length of credit history
✔️ Credit mix
✔️ New credit applications

What doesn’t?
❌ Your job
❌ Your bank account balance
❌ Personal information

Thinking about buying a home? Your credit may be stronger than you think. Let’s connect. 🏡📩

05/14/2026

Based on a conversation with a buyer as I wait for a buyer. Waiting for lower rates could end up costing buyers more in the long run.
Its time more buyers to shift to:

🏡 Buy now
🔁 Refinance later
📈 Build equity before spring appreciation hits

05/05/2026

Even small financial changes before closing can impact your credit picture and potentially affect your - lenders will review your credit and finances before closing so any changes could lead to delays or even different loan terms or even losing the home.

02/18/2026

🙌 This has some merit!

02/17/2026

Thinking about buying a home? It’s always wise to prepare before you start looking.

I recommend my buyers start a “house account”. If your future mortgage is higher than your rent start setting aside the difference each month.

You will be saving, testing your comfort level with the payment and walk into homeownership with confidence AND not stress.

In a few months, you can create a real cushion and know that you are financially ready!

Small steps today build strong foundations for tomorrow 😃 looking to purchase, reach out! I am here to help navigate the process.

02/12/2026

If you haven’t tried Arroy Thai Restaurant in St. Cloud, you are missing out! 🍲 Fresh flavors, cozy atmosphere, and the kind of Thai dishes that keep you coming back for “just one more bite.”
Whether it’s a lunch date or dinner out, this spot is worth the stop. Go check them out — and tell me your favorite dish below! 👇✨

02/05/2026

Love this 💞 Ettiquette is important and Manners Matter

02/02/2026