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Congratulations on Closing!

Congratulations to Pam and Oscar for closing yesterday! They trusted Imagine Home Lending handle another home loan! We appreciate your return business so much! Imagine Home Lending - Doug Milkowski teamed up with Liz Todd- Realtor, KPR Brokers and Heidi Milkowski to ensure a smooth closing for these two!

Congratulations and many thanks!
Imagine Home Lending
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Keeping Your Home Insurance Company Happy

Make Your Home Insurance Company Happier

Make Your Home Disaster Resistant

Homeowners insurance is something a buyer has to secure before the sale of the home can be completed. Mortgage lenders will require what is referred to as a binder. The binder spells out the address of the home being insured, the authorized users on the policy, and every detail of what the insurance policy covers.

Lenders may require you to include specific coverage on your homeowners policy. For example, if a home is located in a floodplain your lender will require flood insurance.

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The most common homeowners insurance policies will cover fire, windstorm, hail, smoke, explosion, vehicle collision, and theft. The common homeowners policies don’t extend coverage to flood, earthquakes, power failure, neglect, or intentional damage.

Though states don’t require homeowners insurance, most mortgage lenders do. Your lender wants to protect their investment. Even if you’re in an area where you aren’t likely to experience a tornado, it’s still unwise to take chances on a property that you’ve invested so much into.

Just like health insurance, we all hope we don’t need to use it. However, we can rest easy knowing that if ever an accident were to occur it won’t completely wreck out financial circumstances or financial future. Just like health insurance, homeowners insurance can seem like a costly monthly expense.

Fret not, future homeowner. Imagine Home Lending has a few tricks and tips on how to keep your home insurance company happy (read: earn discounts on your home insurance policy).

Loyalty Perks: A lot of insurance companies offer discounts to customers that choose to use multiple services. Using the same company for home, auto, and life insurance could save you some big bucks!

Benefits of Being A First Time Homeowner: Some companies choose to extend a congratulatory discount to those who are purchasing their first home.

Choose your deductible wisely: If you live in an area where hurricanes, heavy wind, or hailstorm are a matter of “when” more than a matter of “if”, than it may be wise to choose a lower deductible with a higher monthly premium.

However, if you live in an area with low risk of natural disaster or crime, one could choose to pay a higher deductible with a lower monthly payment.

If the homeowner never ends up actually having to pay the deductible (let’s cross our fingers that they don’t!), then a lower monthly payment will save the homeowner money.

Safety First: Most insurance companies offer discounts if the homeowner purchases a home security system. Typically, the insurance company will affiliate with one specific home security company, so you may only be able to receive a discount if you choose to do business with their affiliate security company.

As well, updating any smoke detectors, CO2 detectors, and fire extinguishers may earn the homeowner some brownie points in the form of discounts!

Automatic and Virtual: Auto-pay and Paperless Billing are excellent, easy, effort-free ways to receive discounts. Ask about programs or rewards like these when you’re cost-comparing.

Tobacco Free Home: Cigarette smoking increases the risk for property damage due to fire. Any sort of fire prevention measures will usually qualify you for policy discounts. If you have a smoke-free home, ask about these rewards.

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The last tip we have to offer is to make sure you listen as they explain the extent of coverage that each company is quoting you. After a few attempts at getting quotes, or being coll-called, it’s easy to get complacent. However, the fine print really does matter under these circumstances. If you have any questions about insuring your home, your realtor or lender are great resources to turn towards!


Realtors That Rock - Tyneal Beckius

We’re so excited to highlight a realtor that rocks, Tyneal Beckius! Tyneal serves clients in the Fargo and Moorhead areas of North Dakota and Minnesota.

Realtor, wife, mother, leader, Krabbenhoft realty team, Homes for heroes, home buying, first time home buying, USDA, FHA, conventional loan, credit score, mortgage professional, mortgage lender, loan officer, house loan,

Her bio reads, “I work specifically with buyer's to help you find your dream home. I work diligently to get you exactly where you want to be. It's my life's mission to help people! I am passionate about the Homes for Heroes program that we participate in that can be utilized my current and former medical professionals, law enforcement, firefighters, teachers, and military!”

Homes for Heroes Savings. Tyneal Beckius clients saving $875 in closing costs! Homes for heroes is available to police, firefighters, military, veterans, teachers, and healthcare professionals.

As a fellow partner of Homes for Heroes, we love that Tyneal is so passionate about working with public and civil servants. We got together with Tyneal for an interview so you can get to know her better!


We asked Tyneal what got her interested in becoming a realtor. She responded,I initially went in to real estate because I have a passion for working with and helping people. Buying and/or selling real estate is one of the biggest investments a person can make in their life and I love being there every step of the way.”

We couldn’t agree more. A home is the largest investment a person can make, and we both strive to make it a smooth process for the buyer!

Tyneal Beckius. Realtor, wife, mother, leader, krabbenhoft real estate team. Mortgage professional, lender, first time home buyer, refinance, USDA, VA loans, Conventional, 0% down, home loan.


Though it’s a bit of an unfair question as it asked her to play favorites, we inquired about a time when working with a client felt particularly rewarding. She gracefully explains, “Every transaction that I have been a part of feels rewarding in its own way. That may sound insanely cheesy but it's true. Every transaction is unique and every single closing brings an immense amount of joy for myself and my clients. It feels especially rewarding if we overcame obstacles and were able to remain strong. I also take a lot of pride in being able to offer my clients the Homes for Heroes reward. Not every agent has that ability and it fills my heart knowing that I can give back to those who work or worked in Military, Law Enforcement, Teaching, Healthcare, and Firefighting.”

It is very rewarding to get to know your clients’ stories, backgrounds, goals, and dreams as you work together through the home buying process. Your realtor will inevitably end up on your speed dial. Buyers and realtors work closely together over the course of about two months, so it’s important to choose one that is willing to work hard for your best interest.

For the grand finale, we asked a question every buyer is dying to know the answer to. If she could offer one piece of advice to current house hunters, what would it be?

“It would be to enjoy the process and let your realtor do the dirty work!”

Thank you Tyneal for taking the time to talk with us. Thank you for being passionate about finding our community’s military, police, firefighters, teachers, and healthcare professionals their dream home!

To connect with Tyneal:

www.tyneal.FMhomesearch.com

(218)779-9151

tynealbeckius@gmail.com



Winter is coming

Whether this will be the first winter in your new home or you’re hoping to save some pennies on your energy bill in your apartment to put towards your down payment, we have a few tips and tricks to show you how to make your home more energy efficient as the temperatures begin to drop.

Imagine home lending energy efficiency tips



Heat the spaces you spend the most time in. Set the thermostat to 62-68 degrees, and use space heaters in rooms that get the most traffic. We simply suggest that you use space heaters with auto shut off safety features when they’re knocked over. You can even go all out and get space heaters that look like fireplaces. Only heating the spaces that you’re most likely to occupy can shave a few dollars and cents of your monthly bill this winter.



Humidity. Warm air can be a little dry during the winter. Adding moisture to the air helps forced heat stick linger a little longer. Buy a humidifier, and set it on a timer.



Check your water heater. Set your water heater to 120 degrees. It’ll keep you from scalding you in the shower if you accidentally turn the dial a little too far, and cut down energy costs.



Check your furnace. Check your furnace filters monthly, and replace as needed.



Sunlight. Winter can bring about a lack of Vitamin D, so opening the curtains when the sun is shining can perk up your mood. Of equal importance, having south facing curtains open during the day will bring natural heat into the home. Just make sure you close them when the sun goes down in order to keep that warm air in.



More on curtains. Insulated curtains are worth the few extra dollars, and they come in an array of colors and patterns that will suit almost any room’s decor.



Check with your local energy co-op. Our local energy cooperative offers efficiency incentives programs. They give clients discounts for buying new energy efficient appliances, recycling old ones, for switching to LED lighting, for high efficiency water heaters, geothermal HVAC, and for having energy audits performed on your home. Most energy companies offer discount programs for sprucing up your home with energy upgrades. Visit your energy provider’s website for more information.  



Do you have any energy saving tips to share?

Find us on social media or email to tell us how you prepare when winter is coming.