Home Buyer Resources

Below are helpful links and resources to help you with buying a home, getting a mortgage, and/or refinancing your home.

1st Time Home Buyers - Downpayment assistance programs are always evolving and changing. You can call her at (952) 853-0222, or send her an e-mail with your questions about getting into that first home: kris@kriswilson.com.

Down payment Assistance Programs - Short on cash for the downpayment for your home? Here is a list of Down Payment Assistance Resources in the Minnesota area.

Community Assistance Programs - The following is as sampling of community assistance programs in Minnesota. Other assistance money may be available for qualified applicants .

Lenders Who Care - a non-profit, trade organization of mortgage lending professionals.

Commerce Department - Having a problem with a creditory lendor? Kris can help you solve your problem, but here's where to file a compaint. You can call her at (952) 853-0222, or send her an e-mail at kris@kriswilson.com.

PMI Removal Law - Private mortgage insurance removal law information

Free Credit Report - You are now be able to get your credit report for free regardless of your employment or financial situation. A recent amendment to the federal Fair Credit Reporting Act (F.C.R.A.) mandates that each agency provide you with a free copy of your credit report, at your request, once every year.

The 3 Main Credit Reporting Agencies

Equifax www.equifax.com
Experian www.experian.com
TransUnion www.transunion.com

Non traditional Credit Sources - What if you don't have credit cards? How then do you go to prove you have good credit. Here is a listing of non traditional credit sources

Prequalify for a mortgage with this easy form

Download Free Home Buying, Mortgage, Refinancing Forms - Get free forms to make your mortgage or refinance easy including home loan application checklist, credit report authorization form, credit card authorization form, sample mortgage gift letter, closing materials checklist, refinance checklist, disputing credit report information, FHA appraisal, patriot act form, permission to contact form

Helpful Services for Buying, Selling or Building a Home - Here is a list of trusted partners in real estate, builders, remodelers, furniture, accountants, and attorneys that I highly recommend.