Author: Phil Zastrow

  • Home
  • Author is Phil Zastrow

Which Duluth, Minnesota Neighborhoods Are Best for You?

If you are considering Duluth, Minnesota as a place to settle down, then you already know many of the charms of this city. Easy access to the North Shore and both winter and summer fun, a balance of...
Read More

Why Should I Avoid Big Box Mortgage Lenders?

Choosing a home is one of the biggest decisions most people make in their lives. But what about choosing a lender? While there are many types of lenders, big box lenders rarely provide the sort of...
Read More

5 Common Mortgage Types and How to Tell Which One is Right for You

Looking to buy and finance a new home can be a stressful time. There are a lot of different types of mortgages to choose from, each with their own positive and negative aspects. So, how do you know...
Read More

What is Duluth, Minnesota Known For?

Duluth, Minnesota is a beautiful port city on the shores of Lake Superior. It's the closest part of Lake Superior to Minneapolis and is the gateway to the North Shore. Though most people have...
Read More

5 Reasons to Invest in a Minnesota Summer Home Today

Owning a summer bungalow by the beach, a condo retreat, or a getaway mountain cabin, more so in your favorite destination, is a dream that many want to see come to fruition. What's not to love about...
Read More

The Benefits of Owning a Lake House in the Summer

With the hot summer months on their way, now is the time to be near the water. What better way to cool off and have fun this summer than living lakeside with all the benefits that come with it? These...
Read More

Common Issues That Can Delay Your Home Closing

If you're in the process of buying a home, then you'll need to be careful to avoid certain actions that might delay the closing of your new dream home. Here are some of the most common reasons your...
Read More

How Much Down Payment Should You Pay When Buying a New Home?

Most lenders require you to make a home down payment of between 3% to 20% of the purchase price as a prerequisite of securing a mortgage. Note that while each type of mortgage has its own set of...
Read More

6 Important Tips When Buying A Home in A Difficult Seller's Market

Unlike the past few years, where homeowners had to do everything in their power to attract fast buyers and seal the deal, the current real estate market has entered what is known as the seller's...
Read More

6 Steps for Pre-Loan Qualification

Are you looking to buy a home? Before you even start looking, you should get yourself pre-qualified for a mortgage. Pre-loan qualification tells you what the bank is willing to lend you, which means...
Read More

Subscribe To Email Updates

Recent Posts


Buying a Home Soon?

Download our Home Buyer's Checklist

Lend Smart Home Buyer's Checklist
Lend Smart Home Buyer's Checklist Download


Have Questions?

Download our frequently asked questions PDF



Learn more about the home loan process