Minnesota Mortgage Company

Hall Financial Minnesota is now your source for a better mortgage experience. David Hall, the founder and CEO of Hall Financial (NMLS #1467435), brings over 25 years of mortgage industry expertise to Minnesota. With a philosophy of absolute 5-STAR client service, Hall Financial is here to transform the way Minnesotans experience the mortgage process.

Hall Financial: Your Minnesota Mortgage Partner

Finding Your Minnesota Dream Home: A Journey with Hall Financial

Introduction to Minnesota Living

Picture this: You're standing on the shore of one of Minnesota's 10,000 lakes, the sun setting in a blaze of orange and pink. The loons are calling in the distance, and the smell of pine fills the air. This could be your backyard view. Sounds pretty sweet, right?

Hey there, I'm David Hall, founder of Hall Financial, and I'm thrilled to announce we're now helping folks like you find their perfect slice of Minnesota paradise. Whether you're dreaming of a cozy Twin Cities condo or a rustic cabin up north, we're here to make it happen.

Why Hall Financial? We're Glad You Asked!

Let me tell you a little story. Last year, we helped a young couple, Sarah and Mike, buy their first home in Duluth. They thought homeownership was years away, but with our help, they're now proud owners of a charming bungalow with a view of Lake Superior. How's that for the American dream?

We're not just number-crunchers (though we're pretty darn good at math). We're your partners in this wild ride called homeownership. Here's what sets us apart:

  • We speak Minnesotan. You betcha we understand the local market!
  • We're as flexible as a Minnesotan preparing for all four seasons in one day.
  • Our rates? More competitive than the Minnesota Wild in playoff season.
  • Our process is smoother than a freshly zambonied ice rink.

The Minnesota Housing Market: Hot as a Summer Day at the State Fair

Now, let's talk shop for a second. As of March 2024:

  • Average home value: $323,034 (That's a lot of hotdish!)
  • Homeownership rate: 73.9% (Minnesotans love putting down roots)
  • Homes for sale: 13,483 (Plenty of fish in this lake)
  • Homes with price drops: 21.9% (Opportunity's knocking!)

These numbers paint a picture of a dynamic market. It's like the Minnesota weather - always changing, full of surprises, but with the right gear (or in this case, the right mortgage), you'll do just fine.

Mortgage Options: More Choices Than Items on a Potluck Table

We've got a smorgasbord of mortgage options:

  1. Conventional Mortgages: For those with credit scores shinier than a freshly polished ice fishing trophy.
  2. FHA Loans: Perfect if your credit history is as bumpy as a country road in spring thaw.
  3. VA Loans: For our brave veterans and active-duty personnel. You've served us, now let us serve you.

First-Time Buyer? We've Got You Covered Like a Warm Minnesota Blanket

Minnesota's got some sweet deals for first-time buyers:

  • Minnesota Housing Start Up: Fixed-rate mortgages with as little as 3% down. That's less than the price of a good winter coat!
  • Monthly Payment Loan: Up to $18,000 for down payment or closing costs. That's a lot of cheese curds!
  • Deferred Payment Loans: Zero-interest loans up to $18,000 with no monthly payments. Sounds too good to be true, but it's real!

Remember, at Hall Financial, we're not just in the mortgage business. We're in the "welcome home" business. And in Minnesota, that's almost as important as knowing how to make a proper tater tot hotdish.

Let's make some Minnesota magic happen together!