Justen Valtinson

NMLS # 1499342

651-797-4090

Justen@mrmloans.com

Justen Valtinson Mortgage Loan Originator

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What is the Difference Between Pre-approval and Pre-qualification?

What is the Difference Between Pre-approval and Pre-qualification?

When it comes to mortgages, there are two similar sounding terms that often confuse potential homebuyers: pre-qualification and pre-approval. While they are alike in some ways, their purposes are different. If you are looking to get a mortgage,

Jun 27, 2018 | First-time Homebuyers Purchasing a Home

4 Things Every Borrower Needs to Know About Mortgage Brokers

4 Things Every Borrower Needs to Know About Mortgage Brokers

Buying a home in Minnesota, whether for the first time or the last, is an exciting event. Yet before you even take a look at a single home for sale, it is a smart idea to have your mortgage financing lined up. While it is possible to get a home loan direc

Jun 20, 2018 | mortgage brokers

Should I Rent or Buy?

Should I Rent or Buy?

While homeownership has long been the American dream, buying a home is not necessarily the best choice for every person or every situation. There are many factors to consider in determining if a home purchase is the right decision for you right now. Can

Jun 14, 2018 | Purchasing a Home

4 Reasons You Don’t Want to Pay PMI

4 Reasons You Don’t Want to Pay PMI

Years ago, a 20% down payment was a requirement for obtaining a mortgage loan. Putting that much money down made it less likely that borrowers would simply default on their home loans and gave lenders a measure of security and collateral in the case of fo

Jun 07, 2018 | First-time Homebuyers

FICO Score

FICO Score

Fair Issac Corp., the creator of the FICO score, announced big changes in how it will calculate credit scores later this fall and these changes could help boost your credit score. Here are a few things that you'll want to know about. Good News ... Ren

Oct 02, 2014 |

Things to Consider When Buying a House

Things to Consider When Buying a House

Buying a house can be confusing, overwhelming and make buyers feel completely broke by the time they get the keys, but being freed from a landlord and throwing away rent payments can also be incredibly liberating. From finding the best agent to making it

Sep 15, 2014 |