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Arms & Balloons

There is often some consumer confusion regarding balloon and ARM or adjustable type mortgages. Let’s start with the most common type of mortgage, and this is a 30 year fixed. 30 year fixed mortgages are what most consumers in the US use when borrowing money, this accounts for around 90% of all mortgages currently. In case you are wondering the average 30 year mortgage rate in the US last week was 7.02%. A lot of us, myself included, were really hoping for a noticeable drop in rates by now from what we’ve seen over the last couple years.

Little Johnny

Winter sports seasons are here and my wife and I’s non-work lives involve running a couple boys backand forth to the hockey rinks in Eagle River and beyond. I love sports. Hockey can be a different animalat times but overall I truly think sports can be as beneficial in development of a young person asacademics, music, and social situations. Sports can teach teamwork, sportsmanship, gratitude, theresults of hard work and effort, and learning how to both win and lose. It can also help one be part ofsomething bigger than themselves.

Credit Scores: What’s the Deal?

Your credit score can impact everything from mortgage rates to insurance premiums. But many people are left in the dark about how it’s calculated and how to improve it. Understanding the five factors that affect your score—payment history, credit utilization, credit history, credit mix, and new credit—can help you take control of your financial health.

Short-Term Rentals: A Vacation Perk or a Housing Problem?

Short-term rentals have transformed travel, giving us full homes instead of hotel rooms. But in Northern Wisconsin and the Upper Peninsula, they’re also driving up housing prices and squeezing out options for local residents and first-time homebuyers.

Wondering What’s Going on with Home Insurance?

With rising costs and reduced coverage, home insurance is more challenging than ever. This year, many homeowners are seeing increases on deductibles. Our latest blog dives into why these changes are happening—from inflation and to weather-related damages—and what you can do about it.

Not Starting Over When Your Refinance

With rates dropping, refinancing could be your chance to lower payments and save big. What if you could shorten your loan term without raising your rate? Click to see how this simple change could help you pay off your home faster and save on interest.

Dale Kleffman

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January 11, 2025

Pre-Approvals

Short-Term Rentals: A Vacation Perk or a Housing Problem?

Wondering What’s Going on with Home Insurance?

Not Starting Over When Your Refinance

Lastest articles

Arms & Balloons

Little Johnny

Credit Scores: What’s the Deal?

Short-Term Rentals: A Vacation Perk or a Housing Problem?

Wondering What’s Going on with Home Insurance?

Not Starting Over When Your Refinance

Credit Scores: What’s the Deal?

Popular articles

Short-Term Rentals: A Vacation Perk or a Housing Problem?

Wondering What’s Going on with Home Insurance?

Not Starting Over When Your Refinance