Chris Miller MN Mortgage Experts 612-327-9147

09/21/2026

Learn how to finance an Accessory Dwelling Unit (ADU) with equity, refinance, HELOC and construction loans for your property.

09/18/2026

Practical ways to qualify for a mortgage using alternative credit and manual underwriting when you don't have a credit score.

Practical ways to qualify for a mortgage using alternative credit and manual underwriting when you don't have a credit score.

09/16/2026

🏡 REALTORS — SAVE THIS ONE!

Seller-paid closing costs can be a powerful tool when structuring an offer — but the limits aren’t the same for every loan program.

Conventional: up to 3%, 6% or 9% depending on LTV
FHA: up to 6%
VA: up to 4% in seller concessions*
USDA: up to 6%

Knowing these numbers before writing the offer can help create more options for your buyers, preserve their cash, and sometimes help get a deal across the finish line.

📌 Save this Seller’s Paid Matrix for your next offer.

And when you have a deal that needs a little creativity, give me a call. Let’s structure it BEFORE you write it!

📲 612-327-9147
📧 [email protected]
ApplyWithChris.com

Brokers are Better, Faster, Cheaper.

*VA has specific rules distinguishing allowable closing costs from items subject to the 4% seller-concession limit.

09/16/2026

🏡 MORE PURCHASING POWER IS AVAILABLE NOW!

We don’t have to wait until 2027 to start taking advantage of higher estimated conforming loan limits on eligible Conventional & VA loans.

That could mean:
✔️ More purchasing power
✔️ More options for higher-priced homes
✔️ Potentially staying Conventional instead of going Jumbo
🇺🇸 And additional opportunities for eligible VA buyers

Thinking about buying? Let’s run the numbers and see what these higher limits could mean for YOU.

📲 612-327-9147
📧 [email protected]
🌐 ApplyWithChris.com

The Right Mortgage Starts Here.
Brokers are Better. Faster. Cheaper.

Chris Miller | NMLS #891520
Xpert Home Lending, Inc. | NMLS #2179191
Equal Housing Lender

Official 2027 FHFA conforming loan limits are pending. Early/estimated limits and availability are subject to applicable investor, agency and lender guidelines. VA eligibility and qualification requirements apply.

09/16/2026

First-time buyers can still find many opportunities today by focusing on affordable markets, inventory, and payment fit.

First-time buyers can still find many opportunities today by focusing on affordable markets, inventory, and payment fit.

09/14/2026

Should you lock your VA loan rate now or wait? Learn when a rate lock is a good idea and how to make a confident decision.

Should you lock your VA loan rate now or wait? Learn when a rate lock is a good idea and how to make a confident decision.

09/11/2026

Twenty-five years later we pause to remember those we lost, honor first responders, and reflect on the unity that followed.

Twenty-five years later we pause to remember those we lost, honor first responders, and reflect on the unity that followed.

09/09/2026

Learn how a recession impacts mortgage rates and make informed decisions for your home financing during economic downturns.

Learn how a recession impacts mortgage rates and make informed decisions for your home financing during economic downturns.

09/07/2026

Discover key differences between a second home and an investment property to make informed choices for your financial future.

Discover key differences between a second home and an investment property to make informed choices for your financial future.

09/04/2026

Discover how refinancing a second mortgage can improve your finances and learn how to navigate this process effectively.