Questions, answered honestly

No. Conversations, pre-approvals, payment scenarios, program comparisons — all free. Alexis is compensated through the loan if and when you close one, which means her only incentive is getting you into the right loan.

Alexis is licensed in Minnesota and based at Fairway’s Eden Prairie branch, serving the full Twin Cities metro and greater Minnesota. Most of the process happens by phone, text, and secure online tools, so geography inside the state is no obstacle.

Text 952-240-6179 — it’s genuinely the fastest. Call the same number or email [email protected] if you prefer. Real questions get real answers, usually the same day.

It’s the perfect time. Early conversations are where the best plans get made — credit strategy, savings targets, program eligibility. Alexis would rather help you plan for a year than rush you for a month.

As little as 0% (VA, USDA), 3% (first-time conventional), or 3.5% (FHA) — and Minnesota down payment assistance can help cover it. Twenty percent avoids PMI but is not required to buy.

It depends on price, down payment, rate, taxes and insurance — which is exactly what the calculator on this site estimates, all-in. For your real numbers, one text to Alexis does it.

FHA guidelines start at 580, conventional typically 620+. Higher scores improve pricing. If your score needs work, Alexis can point out which specific changes matter most for mortgage credit.

No one can honestly promise a rate before locking one — rates move daily and depend on your full scenario. What Alexis promises: transparent pricing, honest comparisons, and a lock the moment the timing is right for you.

Often within 24–48 hours of submitting documents through Fairway’s secure portal. If you’ve found a house and the clock is ticking, tell Alexis — urgent files move faster.

About 30 days from accepted offer is typical. Well-prepared files can close faster when the purchase agreement calls for it.

Nobody can time rates — not lenders, not economists, not the internet. If rates fall after you buy, refinancing is straightforward. Buy when your life and budget are ready, and let the rate be a variable you manage rather than a reason to wait.

Now. Six-plus months out is ideal: enough runway to polish credit, build savings, and get pre-approved before the spring market wakes up. The buyers who win in April started in October.