Welcome to our library of useful publications that should assist in making your choices (and your life) a bit easier.  Click on the bold hypertext link of the desired publication to begin downloading.  Each publication is delivered as an Adobe Acrobat .PDF file (click the Adobe link to install the latest Acrobat Reader).  Like all other portions of this website, this area is under development.  Please check for periodic updates.

• RESIDENTIAL FAST APP.
  This is a one-page loan application form that is readily downloaded, forwarded or printed, and FAXed back to our office.  It provides us with all of the information essential to initiate your loan (or that of your customers).  Realtors find it useful to keep a copy on their computer to print for their referral customers.  You may print this file using legal sized (8.5" x 14") paper, although letter-sized paper can be used in a pinch.  This may be used for any 1 to 4 unit investment properties.  Of course, you may fill in our on-line abbreviated Fast App. form and we shall take it from there.
• COMMERCIAL / 5+ UNIT FAST APP.
  This is a one-page commercial loan application form that is readily downloaded, forwarded or printed, and FAXed back to our office.  It provides us with the minimum amount of information necessary to initiate your commercial loan (or that of your customers).  Commercial Realtors find it useful to keep a copy on their computer to print for their referral customers.  Please print this file using letter sized (8.5" x 11") paper.  Alternately, you can fill in our abbreviated on-line Fast App. form and a representative will contact you to discuss your exact requirements.
• REQUIRED DOCUMENTS
  This is a list of the various types of documentation that may be required to process your residential loan application.  It is also useful for investment property loan applications, although additional documentation such as rent rolls and leases will be required.
• HUD SETTLEMENT COSTS BOOKLET
  This is a booklet prepared by the Housing and Urban Development agency of the Federal government, and is required reading for all new loan applicants.  It is intended to assist the prospective homeowner with purchasing or financing their new home.  28 ppg.
• CONSTRUCTION LOANS
  This is a brief overview of our one-close construction lending process and the documentation required.  A licensed general contractor is ordinarily required, but "sweat equity" may be allowed under certain circumstances.  For further details and additional forms, such as a Sworn Construction Statement, please contact Scott Secor.  Seven pages.
• CONSTRUCTION CONTRACT ELEMENTS
  This document outlines the required elements of a construction contract between the borrower and the general contractor or builder.  Even when the builder's standard contract appears to comply with every point of this guide, it is advisable to forward a copy of the contract for our approval prior to execution of the contract. This is simply a guide and should not be construed as legal advice.
• CITIZENS GUIDE TO HOMEBUILDING AND REMODELING 2001
  This is a handy guide to building a home and subcontracting large remodeling projects.  It was prepared by the Attorney General's Office of the State of Minnesota. 16 ppg.
• HOME BUYERS HANDBOOK 2001
  This is a handy guide to buying a home that every prospective home buyer should read.  It was prepared by the Attorney General's Office of the State of Minnesota. 56 ppg.
• STUPID CREDIT TRICKS
  (with apologies to David Letterman)  This is a handful of useful "tricks" that will amaze your friends and make you the life of the party. Okay, maybe not.  However, this flyer provides you with several not-so-stupid ideas on how to build or improve your credit scores -- no matter how low or how high your credit scores may be.  Also consult our exclusive Credit Repair page for even more great ideas!
• MISTAKES DO HAPPEN 2004  The National Association of State Public Interest Research Groups conducted a survey on the overall accuracy of credit reports.  The results were astonishing!  79% of all credit reports in the survey contained errors!  54% of credit reports contained personal demographic information that was misspelled, outdated, belonged to another party, or was otherwise inaccurate.  30% of the reports contain credit accounts closed by the consumer that were still listed as open and active.  25% of the credit reports contained errors that may result in credit denials (e.g., false delinquencies, accounts belonging to others).  22% of the reports contained duplicate tradelines.  Nearly 8% of the credit reports were missing vital account data that demonstrates creditworthiness. 19 ppg.
• CREDIT HANDBOOK 2000
  This is a useful guide to credit prepared by the Attorney General's Office of the State of Minnesota.  52 ppg.
• KNOWING AND UNDERSTANDING YOUR CREDIT
  This guide explains what credit is and how to establish good credit, repair credit problems, and take control of your credit as the first step in the home-buying process. This booklet is the one advertised on television (and on their website).  Published by the Fannie Mae Foundation in several languages other than English.  32 ppg.
• OPENING THE DOOR TO A HOME OF YOUR OWN
  This step-by-step guide explains the home-buying process, including how to finance a home and how the mortgage process works.  This and other Fannie Mae Foundation publications are also available in several languages other than English.  27 ppg.
• CHOOSING THE MORTGAGE THAT'S RIGHT FOR YOU
  This guide will help you learn more about shopping for the right mortgage for your personal situation.  This and other Fannie Mae Foundation publications are also available in several languages other than English.  40 ppg.
• BORROWING BASICS
  This guide explains what predatory lending is and how it can affect you. It also provides helpful tips on how to get the best loan and ways to avoid bad loan choices that could result in the loss of one's home. This and other Fannie Mae Foundation publications are also available in several languages other than English. 17 ppg.
• LANDLORDS AND TENANTS RIGHTS AND RESPONSIBILITIES 2003
  This is a guide to the rights and responsibilities of both landlords and tenants that every prospective investment property buyer should read.  It was prepared by the Attorney General's Office of the State of Minnesota. 43 ppg.
• BECOMING A LANDLORD
  The rewards, risks, and responsibilities of investment property ownership, published by Fannie Mae.  It is far more educational than watching the thriller "Pacific Heights" (recommended viewing, but not for the faint of heart). 110 ppg.
• PROBATE AND PLANNING - GUIDE TO PLANNING FOR THE FUTURE 2002
  Real property often represents a large portion of a person's net worth.  Learn more about estate planning and probate from this publication from the Attorney General's Office of the State of Minnesota.  45 ppg.
• MORTGAGE ADVISORY NEWSLETTER
  From the vault of golden oldies, we humbly present a reprint of our Spring 2003 newsletter.  Feature articles in this and other issues have become recommended reading for many of the loan officers that we have trained over the past few years.  Topics include short articles on residential an commercial properties, credit, home improvements, and a feature article that details the many factors that influence interest rates.  Four pages.
• MORTGAGE ADVISORY NEWSLETTER
  From the Summer of 2003, we give you yet another tasty selection of mortgage news and views.  Feature articles include "Pointless Information (discussion of discount points), "Care and Feeding of the 800 Credit Score", "Rent is a Four-Letter word", "HELOCs as Unemployment Insurance", the truth about bankruptcy and CCCS, No Doc. loans, and more.  Eight pages.
• MORTGAGE ADVISORY NEWSLETTER
  Since we never had time to produce a Fall 2003 issue, we proudly present the Winter of 2004 newsletter.  Feature articles include "Mortgages Are Like Snowflakes", discussions on divorce and legal separation, Option ARMs and how to best use them, "Stupid Credit Tricks" installment number one, and an example of the self-inflicted credit crunch.  Eight pages.
• MORTGAGE ADVISORY NEWSLETTER
  Where has the time gone (again)?  The Summer of 2004 newsletter has slipped into the Fall 2004 issue in all its glory.  I really need to hire a ghost writer!  Feature articles include Stupid Credit Tricks installment number two, examples of creative financing, construction loans, and even more on credit restoration.  Look for another issue early in 2005 (or whenever I have sufficient time). Eight pages.
• SUPER JUMBO FLYER
  This is a recent flyer that we distributed to 2004 Parade of Homes builders and real estate professionals.  It discusses larger loan amounts, No Doc. programs, Option ARMs, Interest Only loans, and should appeal to borrowers of all credit profiles.
• JUMBO FLYER
  This is updated from an ad that I originally ran in the Home Guide more than a year ago.  It shows the distinct advantage of a low-interest Option ARM over a traditional 30-year fixed Jumbo loan.  How might you leverage the savings?
• RECENT HOME GUIDE AD
  This is another example of one of my many advertisements in the Home Guide.
• ANOTHER RECENT AD
  This is yet another example of my local print advertisements.
• INSPIRED FINANCING
  Yet another of my recent print advertisements intended to inspire borrowers from all walks of life.

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