Pete Rinzel / Bell Bank Mortgage

Just helped a first-time homebuyer who thought they couldn't afford to buy; lock in their dream home with 3% down and a payment lower than their rent.

Here’s exactly how we made it happen:
✅ Showed them how to boost their credit score in 30 days
✅ Helped them secure eligibility for a down payment assistance program
✅ Positioned them as a competitive borrower with a fully vetted pre-approval

The best part? They went from "I don’t think I can buy" to "I’m a homeowner".

If you’re unsure about buying, DM me—I’ll show you your options.

A house becomes a home through the little things. This week, pick one small project to make your space feel more like yours:

• Power wash the patio
• Organize a closet
• Swap out light bulbs for warm LEDs
• Add artwork or personal touches

It’s amazing what a few small updates can do.

Just Listed in Cottage Grove!
This 4 bed | 4 bath home features an updated kitchen, large deck, fenced in yard, cozy living room, walk out lower level, back patio and much more.
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Info/tour? Contact Duffy Homes Group, Keller Williams Select Realty Let's discuss the financing - https://bell.bank/mortgage/loan-officer/peterinzel/get-connected

4 bed/4 bath Home in Cottage Grove for $524,900 7710 Jonathan Avenue S Cottage Grove, MN. Search homes for sale, get school district and neighborhood info for Cottage Grove, MN on duffyhomesgroup.com -- Real Estate Search.

Think you Need 20% Down to Buy a Home? Think Again!
One of the biggest homebuying myths is that you need 20% down to purchase a home. Good News - you don't!

✔️ First-time homebuyers - qualify for a loan with as little as 3% down
✔️ FHA loans - Only 3.5% down is required.
✔️ VA & USDA loans - 0% down for eligible buyers!

There are many loan options designed to fit different financial situations. Let's chat and find the best path to your dream home. DM me or comment below if you have questions.