Plan Your Budget
Mortgage Calculator
Estimate your monthly payment based on home price, down payment, and current interest rates. Use this as a starting point — then talk to a lender for a precise pre-approval.
Common Questions
Mortgage & financing basics
How much down payment do I need in Minnesota?
Conventional loans typically require 3–20% down. FHA loans allow as little as 3.5% with a 580+ credit score. VA and USDA loans may require no down payment for qualifying buyers. Kurt can connect you with trusted local lenders to explore your options.
What are typical closing costs in the St. Cloud area?
Closing costs generally range from 2–5% of the purchase price. In Minnesota, buyers typically pay lender fees, title insurance, and prepaid items like homeowners insurance and property tax escrow.
Should I get pre-approved before searching for homes?
Yes — pre-approval strengthens your offer significantly in competitive markets. Kurt recommends getting pre-approved before touring homes so you know your exact budget and can move quickly when the right property comes up.
Ready to Buy?
Get pre-approved and start searching
Kurt works with trusted local lenders and can refer you to someone who will get you the best terms. Once you're pre-approved, you're ready to make a winning offer.