FinanceWithFoss

Would you want an inside look into Rachel and my wedding? Our fantastic cinematographer Anthony Begley created a wonderful teaser for us to share! We'll have more content later but this man is extremely talented at what he does! "All of it led me to you..." Videography: Anthony Begley Cinematography - https://anthonybegley.com Venue: Leopold's Mississippi Gardens - https://www.leopoldsmn.com/ Photography: Sophisticated Grace Photography - https://www.sophisticatedgracephoto.com/ Hair: EhrStyling - https://www.ehrstyling.com/ Makeup: Glow with Dej - https://www.glowwithdej.com/ Dj: Jamir with Instant Request - https://www.instantrequest.com/dj/dj-jamir-h/ 📒 Show Notes and Resources 📒 Justus Foss Mortgage Loan Officer - Finance With Foss NMLS #1588344 Have a mortgage question about something not covered in this video or specifically about the video today? Reach out, I'd love to help answer it. Justus on Social Media: https://linktr.ee/FinanceWithFoss http://www.FinanceWithFoss.com https://www.facebook.com/FinanceWithFoss https://instagram.com/FinanceWithFoss https://www.linkedin.com/in/JustusFoss/ https://twitter.com/FinanceWithFoss

What to expect is a series where I go over the main concepts of obtaining a mortgage, broken down into three sections: what you need to know before applying for a mortgage, what you need to know during the mortgage process and what you need to know for after the closing. The goals of this series is to help you become more comfortable with the most commonly asked questions as well as general information to get you more in tune with what the expectations are. In the first section, what to know before applying for a mortgage, we’ll examine what can set you up for success before applying and having your credit pulled to make sure you’re in the best situation possible to make the most out of your mortgage. 📒 Show Notes and Resources 📒 Justus Foss Mortgage Loan Officer - Finance With Foss NMLS #1588344 Have a mortgage question about something not covered in this video or specifically about the video today? Reach out, I'd love to help answer it. Justus on Social Media: https://linktr.ee/FinanceWithFoss http://www.FinanceWithFoss.com https://www.facebook.com/FinanceWithFoss https://instagram.com/FinanceWithFoss https://www.linkedin.com/in/JustusFoss/ https://twitter.com/FinanceWithFoss

#inlinehockey #rollerhockey Something a little different here, showing some things I do for fun! This was an exciting, entertaining, back and forth game for the Fall Sliver League Championship! I'm on the orange team playing goalie. Game - Championship Silver League Teams - Mission (Orange) vs Arctic Blast (Purple) Arena - Ken Yackel / West Side Arena 📒 Show Notes and Resources 📒 Justus Foss Mortgage Loan Officer - Finance With Foss NMLS #1588344 Have a mortgage question about something not covered in this video or specifically about the video today? Reach out, I'd love to help answer it. Justus on Social Media: https://linktr.ee/FinanceWithFoss http://www.FinanceWithFoss.com https://www.facebook.com/FinanceWithFoss https://instagram.com/FinanceWithFoss https://www.linkedin.com/in/JustusFoss/ https://twitter.com/FinanceWithFoss

Here's a different side of what's normally on the channel. I figured it's a good idea for you to see me as a person as well, not just as a mortgage guy. I am very fortunate to now call Rachel my wife as we were married on 9/24/2021! This fantastic video was done by an extremely talented filmmaker Anthony Begley of Anthony Begley Cinematography. He is incredible at what he does, bringing out the best in everyone and everything he films. He can do just about anything, contact him, you won't regret it! Website - https://anthonybegley.com Facebook - https://www.facebook.com/AnthonyBegleyProductions/ Instagram - https://www.instagram.com/anthonybegleyproductions/ Vimeo - https://vimeo.com/anthonybegley LinkedIn - https://www.linkedin.com/company/anthony-begley-productions/ 📒 Show Notes and Resources 📒 Justus Foss Mortgage Loan Officer - Finance With Foss NMLS #1588344 Have a mortgage question about something not covered in this video or specifically about the video today? Reach out, I'd love to help answer it. Justus on Social Media: https://linktr.ee/FinanceWithFoss http://www.FinanceWithFoss.com https://www.facebook.com/FinanceWithFoss https://instagram.com/FinanceWithFoss https://www.linkedin.com/in/JustusFoss/ https://twitter.com/FinanceWithFoss

#mortgage #realestate Big announcement this morning indicating that 5% down payment on Conventional 2-4 unit properties is back effective immediately! If you remember, we had this before but it changed to 15% down minimum. This 5% down Conventional option is available to borrowers who make less than the 80% AMI (Area-Median Income), which for the Twin Cities is $82,240. Of these borrowers, those purchasing duplexes can take part in Bell's BorrowSmart program which will provide a $1000 grant towards closing. Normal stipulations apply: -Conventional product -Must get an Approve/Eligible on automated findings -BorrowSmart grant only applies to duplex purchases -3-4 unit properties require 3% of the borrower's own funds verified for the down payment -Standard rental income requirements and restrictions apply -Landlord education certification and completion required -TLTV ratio of 105% is permitted when secondary financing meets Freddie Mac's Affordable Second Requirements 📒 Show Notes and Resources 📒 Justus Foss Mortgage Loan Officer - Finance With Foss NMLS #1588344 Have a mortgage question about something not covered in this video or specifically about the video today? Reach out, I'd love to help answer it. Justus on Social Media: https://linktr.ee/FinanceWithFoss http://www.FinanceWithFoss.com https://www.facebook.com/FinanceWithFoss https://instagram.com/FinanceWithFoss https://www.linkedin.com/in/JustusFoss/ https://twitter.com/FinanceWithFoss

#mortgage #realestate Today we're re-examining the 2021 Housing Market Predications for the reset of the year. By mid-2021 home prices across the US surged 24.8% year-over-year to a median sales price of $386,888. The housing market has remained strong through the year but what will it look like by the end 2021 as the economy continues to recover from the pandemic-driven recession while the Delta variant and other worldly problems continue to show themselves. 📒 Show Notes and Resources 📒 Justus Foss Mortgage Loan Officer - Finance With Foss NMLS #1588344 Have a mortgage question about something not covered in this video or specifically about the video today? Reach out, I'd love to help answer it. Justus on Social Media: https://linktr.ee/FinanceWithFoss http://www.FinanceWithFoss.com https://www.facebook.com/FinanceWithFoss https://instagram.com/FinanceWithFoss https://www.linkedin.com/in/JustusFoss/ https://twitter.com/FinanceWithFoss

#mortgage #realestate We've all heard the stories that you want to avoid PMI at all costs and you must be 20% to buy a home so you don't have it, but have you really taken the time to learn about it? Did you know it can actually be a financial tool to help you get into a home faster and start earning equity in an appreciating asset, especially compared to paying rent to someone else's mortgage? In this video, we go in-depth with PMI, examining when it's required, how different types of loans affect PMI, the cost of it, real world examples, how to stop paying it, the positives and negatives of it and if PMI is truly worth it compared to saving 20% down. 📒 Show Notes and Resources 📒 Justus Foss Mortgage Loan Officer - Finance With Foss NMLS #1588344 Have a mortgage question about something not covered in this video or specifically about the video today? Reach out, I'd love to help answer it. Justus on Social Media: https://linktr.ee/FinanceWithFoss http://www.FinanceWithFoss.com https://www.facebook.com/FinanceWithFoss https://instagram.com/FinanceWithFoss https://www.linkedin.com/in/JustusFoss/ https://twitter.com/FinanceWithFoss

#mortgage #realestate What is down payment assistance? Is it available to you? What are the requirements for different programs? What does it mean if I use down payment assistance? We look into down payment assistance programs at a high level by breaking down the different types of assistance, how much you could save, different requirements and if it makes sense for you. 📒 Show Notes and Resources 📒 Justus Foss Mortgage Loan Officer NMLS #1588344 Have a mortgage question about something not covered in this video or specifically about the video today? Reach out, I'd love to help answer it. Justus on Social Media: http://www.FinanceWithFoss.com https://www.facebook.com/FinanceWithFoss https://instagram.com/FinanceWithFoss https://www.linkedin.com/in/JustusFoss https://twitter.com/FinanceWithFoss

#mortgage #realestate Have you ever wondered what the mortgage process looks like from start to finish? In today's video, we take a very high level examination to this process in five simple steps that will bring you from wanting to get pre-approved to the magic words of being "clear to close". 📒 Show Notes and Resources 📒 Justus Foss Mortgage Loan Officer - Finance With Foss NMLS #1588344 Have a mortgage question about something not covered in this video or specifically about the video today? Reach out, I'd love to help answer it. Justus on Social Media: http://www.FinanceWithFoss.com https://www.facebook.com/FinanceWithFoss https://instagram.com/FinanceWithFoss https://www.linkedin.com/in/JustusFoss/ https://twitter.com/FinanceWithFoss

#mortgage #realestate Last week you may have seen some articles regarding the GSE’s implementation of limitations on Non-Owner Occupied & Second Home financing, so I wanted to take opportunity to give some background on the issue and advise what to be aware of as Bell Bank Mortgage & the industry move forward. 📒 Show Notes and Resources 📒 Have a mortgage question about something not covered in this video or specifically about the video today? Reach out, I'd love to help answer it. Justus on Social Media: http://www.FinanceWithFoss.com https://www.facebook.com/FinanceWithFoss https://instagram.com/FinanceWithFoss https://www.linkedin.com/in/JustusFoss/ https://twitter.com/FinanceWithFoss

#mortgage #realestate A major down payment assistance program in Minnesota, MHFA, just updated their down payment assistance numbers. Every late February/early March, MHFA updates guidelines including income limits and down payment assistance maximum amounts. MHFA increased their down payment assistance for their Start Up Program in 2021. 📒 Show Notes and Resources 📒 Have a mortgage question about something not covered in this video or specifically about the video today? Reach out, I'd love to help answer it. Justus on Social Media: http://www.FinanceWithFoss.com https://www.facebook.com/FinanceWithFoss https://instagram.com/FinanceWithFoss https://www.linkedin.com/in/JustusFoss/ https://twitter.com/FinanceWithFoss

#mortgage #realestate For many people, the mortgage underwriting process is one of the most confusing parts of home buying. However, it's important to understand what underwriting is, how it works, and why it's a crucial step of home loan approval. Armed with this knowledge, you should be much better prepared to go into the mortgage process and to come out with a positive result. 📒 Show Notes and Resources 📒 Justus Foss Mortgage Loan Officer - Finance With Foss NMLS #1588344 Have a mortgage question about something not covered in this video or specifically about the video today? Reach out, I'd love to help answer it. Justus on Social Media: http://www.FinanceWithFoss.com https://www.facebook.com/FinanceWithFoss https://instagram.com/FinanceWithFoss https://www.linkedin.com/in/JustusFoss/ https://twitter.com/FinanceWithFoss

#mortgage #realestate Today we look into Redfin's article on the 2021 Housing Market Predications. The housing market will remain strong through 2021 as the economy recovers from the pandemic-driven recession. In early 2021, homebuyers will remain undeterred by the pandemic, eager to take advantage of sub-3% mortgage rates while they last. Later in the year, the worst of the pandemic will hopefully be behind us, and as businesses reopen and daily activities become safer, a new batch of homebuyers and sellers will enter the housing market, making for the strongest year of home sales since 2006. https://www.redfin.com/news/housing-market-predictions-2021/ 📒 Show Notes and Resources 📒 Have a mortgage question about something not covered in this video or specifically about the video today? Reach out, I'd love to help answer it. Justus on Social Media: http://www.FinanceWithFoss.com https://www.facebook.com/FinanceWithFoss https://instagram.com/FinanceWithFoss https://www.linkedin.com/in/JustusFoss/ https://twitter.com/FinanceWithFoss

#mortgage #realestate Newly elected President Biden has extended the student loan freeze on payments. What does this mean for you mortgage pre-approval? https://www.forbes.com/advisor/personal-finance/biden-extends-federal-student-loan-forbearance/ 📒 Show Notes and Resources 📒 Have a mortgage question about something not covered in this video or specifically about the video today? Reach out, I'd love to help answer it. Justus on Social Media: http://www.FinanceWithFoss.com https://www.facebook.com/FinanceWithFoss https://instagram.com/FinanceWithFoss https://www.linkedin.com/in/JustusFoss/ https://twitter.com/FinanceWithFoss

#mortgage #realestate Got some more clarification on 2-4 unit property purchase options to follow-up from my previous video. After conferring with MHFA for clarification and my good friend and multi-family financing expert Conor Hesch also with Bell Mortgage, there still WILL be a 5% down option but it does come with certain qualifications, otherwise, the 3.5% down FHA option or 15% or more down options are available as well. 📒 Show Notes and Resources 📒 Have a mortgage question about something not covered in this video or specifically about the video today? Reach out, I'd love to help answer it. Justus on Social Media: http://www.FinanceWithFoss.com https://www.facebook.com/FinanceWithFoss https://instagram.com/FinanceWithFoss https://www.linkedin.com/in/JustusFoss/ https://twitter.com/FinanceWithFoss

#mortgage #realestate A recent market bulletin in January 2021 shows a change in the stance from Freddie Mac in their Home Possible product which previously allowed home owners looking to purchase a primary 2-4 unit home with as little as 5% down payment. They have decided to move away from this Conventional mortgage option leaving your best bet at purchasing one of these multifamily properties as an FHA mortgage. 📒 Show Notes and Resources 📒 Have a mortgage question about something not covered in this video or specifically about the video today? Reach out, I'd love to help answer it. Justus on Social Media: http://www.FinanceWithFoss.com https://www.facebook.com/FinanceWithFoss https://instagram.com/FinanceWithFoss https://www.linkedin.com/in/JustusFoss/ https://twitter.com/FinanceWithFoss

Made a pretty simple but fun video portraying my commute to work in order to test out some new cameras and accessories. Seems like such a long time ago, now, I just wake up out of bed and roll down the stairs to my basement computer to start the day. How has COVID affected your office routine? 📒 Show Notes and Resources 📒 Have a mortgage question about something not covered in this video or specifically about the video today? Reach out, I'd love to help answer it. Justus on Social Media: http://www.FinanceWithFoss.com https://www.facebook.com/FinanceWithFoss https://instagram.com/FinanceWithFoss https://www.linkedin.com/in/JustusFoss/ https://twitter.com/FinanceWithFoss –––––––––––––––––––––––––––––– 🎵 Track Info: Title: Adventures by A Himitsu Genre and Mood: Dance & Electronic + Happy –––––––––––––––––––––––––––––– Adventures by A Himitsu https://soundcloud.com/a-himitsu Creative Commons — Attribution 3.0 Unported— CC BY 3.0 Free Download / Stream: http://bit.ly/2Pj0MtT Music released by Argofox https://youtu.be/8BXNwnxaVQE Music promoted by Audio Library https://youtu.be/MkNeIUgNPQ8 ––––––––––––––––––––––––––––––

Have you wondered what could negatively hurt my chances at pre-approval? In today's Mortgage Minute we go through 7 common factors that could hurt your chances of landing the pre-approval for your dream home. 📒 Show Notes and Resources 📒 Have a mortgage question about something not covered in this video or specifically about the video today? Reach out, I'd love to help answer it. Justus on Social Media: http://www.FinanceWithFoss.com https://www.linkedin.com/in/JustusFoss/ https://twitter.com/FinanceWithFoss https://instagram.com/FinanceWithFoss https://www.facebook.com/FinanceWithFoss

How much should you put down? Is 20% really what you need to save up to? Is there a big difference between putting 3% down compared to 10% down? What other aspects of the down payment are important? These questions and more will be answered in today's Mortgage Minute on down payment. 📒 Show Notes and Resources 📒 Have a mortgage question about something not covered in this video or specifically about the video today? Reach out, I'd love to help answer it. Justus on Social Media: http://www.FinanceWithFoss.com https://www.linkedin.com/in/JustusFoss/ https://twitter.com/FinanceWithFoss https://instagram.com/FinanceWithFoss https://www.facebook.com/FinanceWithFoss

Are you a first-time home buyer and have been been told that an FHA mortgage IS the first-time home buyer mortgage you should have? You could qualify for a conventional mortgage instead without even knowing it. While many first-time home buyers utilize the government backed FHA mortgage program, conventional loan products do have their own benefits. In this Mortgage Minute, we dive into the positives and negatives of both to help you determine what is the best mortgage program for you. 📒 Show Notes and Resources 📒 Have a mortgage question about something not covered in this video or specifically about the video today? Reach out, I'd love to help answer it. Justus on Social Media: http://www.FinanceWithFoss.com https://www.linkedin.com/in/JustusFoss/ https://twitter.com/FinanceWithFoss https://instagram.com/FinanceWithFoss https://www.facebook.com/FinanceWithFoss

Have you ever wondered, what is mortgage insurance? Why do I need it? How do I get rid of it? Another misconception is that 20% down is the best way to go, but if you have good credit, mortgage insurance is actually pretty inexpensive and the money you'd put towards that down payment could go elsewhere. Get all the mortgage insurance information for all programs including: conventional, FHA, USDA and VA loans. 📒 Show Notes and Resources 📒 Have a mortgage question about something not covered in this video or specifically about the video today? Reach out, I'd love to help answer it. Justus on Social Media: http://www.FinanceWithFoss.com https://www.linkedin.com/in/JustusFoss/ https://twitter.com/FinanceWithFoss https://instagram.com/FinanceWithFoss https://www.facebook.com/FinanceWithFoss

Are you a first-time homebuyer and are looking for guidance on what's probably the first big purchase of your life? Check out my 14 tips that will help set you up for success! 📒 Show Notes and Resources 📒 Have a mortgage question about something not covered in this video or specifically about the video today? Reach out, I'd love to help answer it. Justus on Social Media: http://www.FinanceWithFoss.com https://www.linkedin.com/in/JustusFoss/ https://twitter.com/FinanceWithFoss https://instagram.com/FinanceWithFoss https://www.facebook.com/FinanceWithFoss

In today's short video, my guest Dr. Axel Osborn, a specialist in neurologically-based chiropractic care, talks about how getting your body in the right place can help you be ready in case you were to come across Covid-19, the current world pandemic virus. His specialization, the neurological adjustment, is the most scientifically proven chiropractic adjusting style within the profession. It focuses on specificity, which allows him to adjust efficiently & effectively, without the ‘twisting, cracking or popping’, commonly associated with a chiropractic adjustment. The adjustments are very gentle here at Legend, which allows us to work with people of all ages, shapes, sizes, and physical abilities. Would you like to reach out to Dr. Axel? You can find him at: 2467 Highway 7, Excelsior MN, 55331 https://www.legendchiropracticmn.com/ https://www.facebook.com/LegendChiropractic/ https://www.instagram.com/legendchiropractic/ 📒 Show Notes and Resources 📒 Have a mortgage question about something not covered in this video or specifically about the video today? Reach out, I'd love to help answer it. Justus on Social Media: http://www.FinanceWithFoss.com https://www.linkedin.com/in/JustusFoss/ https://twitter.com/FinanceWithFoss https://instagram.com/FinanceWithFoss https://www.facebook.com/FinanceWithFoss

What a fun event Alida Black and I had co-hosting a Vision Board Party at ShakRa Yoga & Fitness Studio in Shakopee, MN! More fun to come in 2020! Stay tuned to the end of the video if you want to watch me goof up a few times! Also, shout out to our fun background music: «Hey» from Bensound.com!

Everyone, meet Jadde Rowe - Re/Max Results - #closewithrowe! He an intelligent, caring and giving human being! He just got back from a mission trip in Haiti and would be an amazing contact for when you want to buy your next home!