Posted 11/07/2017

The holiday season should be a fun time but for a lot of people it can be financially straining, taking all the fun out of the holiday spirit. Below are some ideas and tips to help you get through the holidays without going broke and just a couple other ideas to experience the holidays.

Figure out your budget. This is half the battle. When you know how much you can afford to spend, you’ll be able to know who you can buy for and how much to spend on them.

Finding deals. Shop on Black Friday and Cyber Monday. Obvious, right? But it works! There are so many deals on these days but you don’t need to stop there. Good Morning America’s Steals and Deals has some of the best deals we’ve seen. You can find deals up to 75% off!  And don’t forget about Amazon. More great deals and free shipping. The point is that if you put some time into shopping for discounts, you will find them and save a lot of money.

Homemade treats. Who doesn’t like homemade cookies from your kitchen? This is one of the lowest costs gifts you can give. Make your favorite treat and wrap it up pretty and you’ll be sure to make someone’s day. Add a bottle of wine for under ten dollars! Wine doesn’t have to be expensive to be good. Two of our favorite reds is
Caleo Nero d’Avola Terre Siciliane ($8.99) and Rex Goliath Free Range Red ($4.49). You can find both of these at Total Wine.

Give the gift of experience.  Not all presents come wrapped up in a pretty box with a bow. Take a trip, volunteer as a family,  make a donation in the name of the family, go to a sporting event, get a museum membership, go skydiving or a camping trip – you get my drift.

Don’t get robbed of enjoying the holiday experience. Being prepared is key. Let the festivities begin!

Mortgages Unlimited is a local mortgage company serving not only the Twin Cities but also, South Dakota and Wisconsin. Minnesota Housing programs are not available in South Dakota or Wisconsin. We work on the behalf of our clients ensuring they are getting the best possible loan while providing outstanding customer service.

Give one of our Mortgage Consultants a call @ 763-416-2600 if you are looking to purchase a home or refinance your existing home loan. Or you start a secure online application at

Posted 06/30/2013

FHA Loans have always been a great option for homebuyers, and will continue to be great, hopefully, for years to come. However there are some changes that are taking place in the program. Chris Fredin, CEO of MUI, was interviewed by KARE11 recently on the changes that are kicking in today. See the video clip at:

“Traditionally an FHA loan with less than 10 percent down would have to pay a mortgage insurance premium until you reached 22 percent equity. After that is reached the insurance premium would go away. With these changes, the Mortgage Insurance premium will now remain effective for the life of the loan with FHA” according to the article by KARE11.

Chris goes on to explain, “FHA is still going to be a good mortgage. It just seems like more people are getting cautious about the housing market but it’s strong and as the economy improves people will be able to buy and sell houses easier.”

If you would like more information, please contact Mortgages Unlimited. Visit our website at or give us a call at 763-416-2600

7365 Kirkwood Court N, Ste 300 Maple Grove, MN 55369 NMLS Lic #225504

P: 763.416.2600 F: 763.420.5885

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