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Our experienced mortgage advisors will walk you through the best mortgage loan program that will fit your specific scenario.
Conventional Home Loans.
FHA Home Loans.
USDA Home Loans.
VA Home Loans.
There is no limit to the number of times you can refinance. However, you must qualify every time you apply and there will be costs associated with closing the loan each time.
Yes! There are a number of bond programs that offer low or no down payment financing options.
The key to choosing the right mortgage is to understand the range of options and features available to you, as well as your budget, circumstances, and goals. Our licensed mortgage professionals are here to help you navigate that process. The more you know, the more comfortable and confident you will be choosing the best option for you and your family.
The Truth in Lending Act (TILA) does not permit a lender to close a loan until at least seven (7) business days have passed from the date your application was received. A typical home loan takes 30 days, as a number of third-party services such as appraisals, title work, and credit are required in conjunction with the mortgage process. Once you familiarize your Loan Officer with the details of your specific loan scenario, they will be able to provide you with a more specific timeline.
The only way to find out is to speak with a qualified mortgage professional. Our Loan Officers have helped numerous clients who didn’t know if they could qualify to become home owners. We take the time to understand your financial situation and long-term financial goals, and then match you with the loan program that best fits your needs. Your approval for a loan may also largely depend on the price of the home you are financing. Getting pre-qualified prior to beginning your home search can give you an idea of what you may be able to afford.
Homeowners typically refinance to save money, either by obtaining a lower interest rate or by reducing the term of their loan. Refinancing is also a way to convert an adjustable loan to a fixed loan or to consolidate debts.
This question does not have a simple, one-size-fits-all answer. The exact amount will depend on the price of the home you buy as well the type of mortgage financing you choose. Depending on your loan program, your down payment could be as much as 20% of the home’s price or as little as 3%, while some loans require no down payment at all.
You may still qualify for a home loan even if you have experienced a bankruptcy. The best way to find out if you qualify is to talk with a Loan Officer to discuss your options. Be sure to bring all paperwork regarding your bankruptcy so your Loan Officer can find the program that best fits your situation.
Interest rates fluctuate all day, every day. If an interest rate is good, it may be in your best interest to lock now. If you wait, you run the risk of an increase in rates later. If you are concerned that rates may go down after you lock, contact your Loan Officer to discuss your options. Some programs allow you to lock for an extended period and choose to lower your rate should a better one become available.

The Coach Who Has Been Helping Agents Grow Almost As Long As She Has Been Selling
Alex Mysinek sat down with Tammi Roach of the Grant Johnson Group with Real Brokerage for a conversation about what it actually takes to build a sustainable real estate career, what separates agents who make it from agents who flame out, and what loan officers can do to genuinely help realtors grow their businesses rather than just close transactions.
Tammi has been in real estate for more than twenty years. Early in her career she started helping other agents grow alongside her own production and that orientation toward coaching and mentorship became a defining part of how she operates. At the Grant Johnson Group she works as part of a leadership team supporting a community of over one hundred and sixty agents across Minnesota with offices in Edina, Hudson, and Arden Hills. The team generates eight hundred to a thousand incoming leads per month and handles everything from residential sales to agent training to accountability structures that run every week without exception.
Can You Tell Early Whether Someone Will Make It?
Tammi's honest answer is yes and she has learned to have those conversations early rather than investing time in someone who is not actually built for this kind of work.
The myth she pushes back on immediately is the one that draws a lot of people to real estate in the first place. The belief that you make your own schedule, you do not have to work that hard, and the money is easy. That version of the career does not exist. What does exist is a self-employment model where you will likely trade a forty-hour week for sixty or seventy-hour weeks for the first two to three years while building a foundation that makes the flexibility possible later.
The questions she asks early are about motivation, work ethic, and entrepreneurial spirit. Some people have it. Some do not and that is completely fine. She would rather tell someone early that real estate is not the right fit than watch them spend money on dues, marketing, and time without the willingness to do what the career actually requires. Real estate is an expensive hobby if you are not willing to work it like a business.
Coachability is the other variable she assesses quickly. She can see potential in people who resist it and she has learned the hard way not to want someone's success more than they want it themselves. If she is pushing and they are pulling away the dynamic does not produce outcomes for either party.
The Actual Path From Five Transactions to Twenty-Five
When an agent comes to her doing five to ten transactions a year and wants to reach twenty-five her starting point is not a magic playbook. It is their calendar.
Time blocking is the foundation. Fifteen minutes. Thirty minutes. An hour. Whatever the agent is willing to commit to consistently. The goal is to start building habits that lead toward the targets rather than hoping inspiration will appear. Activity drives results and activity requires intentional scheduling rather than responding to whatever feels urgent in the moment.
The second piece is follow-up. The Grant Johnson Group has eight hundred to a thousand leads coming in every month. Those leads need someone willing to contact them more than once, to stay in front of them consistently, and to convert conversations into appointments. Agents who are not willing to follow up with someone more than once are not going to convert those opportunities regardless of how many come in.
The third piece is accountability that the agent actually wants even when they say they do not. Every week the Grant Johnson Group runs accountability check-ins for their agents. Twenty minutes online. A structured conversation about what is happening, what wins exist, and what questions can be answered by someone in the group who has been through the same thing. That consistency is what keeps people moving rather than drifting.
What Actually Moves the Needle Versus What Feels Like Work
Tammi is direct about the trap she sees agents fall into. Playing office. Organizing files, updating databases, researching platforms, building systems. All of it can feel productive while producing zero client-facing activity. The only thing that actually produces results is being in front of people and following up with the people you have already been in front of.
Get in front of a human. Make appointments. Convert them. Everything else is support infrastructure for that core activity and it should be treated as support infrastructure rather than the work itself.
For agents who are just starting the first question is who is already in their sphere. Family, friends, significant others, parents, siblings. Who already knows them, likes them, and trusts them? Those are the first conversations. From there the question becomes which service partners already exist in their life who can become collaborators. A contractor. An insurance agent. A financial advisor. An attorney. Each of those relationships is a connection to people who regularly interact with buyers and sellers.
Open houses are one of the most underrated tools available to newer agents and Tammi is direct about this. She does open houses every weekend. You open the doors, market it appropriately, make it worth attending with food and drinks and a genuine sense of event, and people come to you. The agents who pour genuine effort into an open house rather than treating it as a passive obligation build community recognition and meet buyers in a low-pressure environment that can generate referrals for years.
Why Agents Are Joining Teams Right Now
When Tammi and the leadership team ask agents why they decided to join the Grant Johnson Group the answer coming back most consistently is community. The pandemic pushed everyone into isolation and even agents whose business model works fine independently found themselves missing the collaboration, the energy, and the sense of belonging that comes from working alongside people who understand what you are going through.
Fifteen minutes before the recording of this podcast the office had sounded like a party. Signs being ordered. Ideas bouncing around. People sharing weekend plans and recipe ideas alongside real estate conversations. That is not incidental to the culture. That is the culture. Belonging is a fundamental human need and a team that provides genuine belonging retains agents in ways that a production-only model simply cannot replicate.
The Grant Johnson Group has a hundred and sixty plus agents speaking seventeen or more languages. Diversity of background and experience creates a community where different perspectives produce better outcomes for clients who themselves come from every conceivable background. And the accountability structures that run every week ensure that community actually produces results rather than just feeling good.
What Culture Actually Means at the Grant Johnson Group
Culture starts with integrity. Honesty. A genuine orientation toward making things better for the clients who are touched along the way. Tammi is not interested in recruiting every agent who walks through the door. She is interested in how someone fits into the existing community, what they bring to it, and whether they will make it better for everyone else.
That may sound idealistic but she has operated this way for twenty years and it shows in the retention, the collaboration, and the energy that fills the office on a Friday afternoon.
What Loan Officers Can Actually Do to Help Realtors Grow
This is the part of the conversation that Alex pulled out of his work on the lending side and it produced some of the most direct answers of the entire podcast.
Tammi's baseline for a lending partner is accessibility. Answer the phone. Tell the truth when it needs to be told. Set clear expectations before the transaction starts and then meet them. That is not a high bar and yet she described a recent situation where she had to directly challenge a buyer's loan officer on what had been done to prepare the file because she had lost faith in the process. She asks underwriting questions. She wants to know if it was a desktop underwrite or a full approval. She wants to know that the client is going to be taken care of before she stakes her reputation on recommending that lender.
For newer agents specifically she wants a lending partner who will educate the agent alongside the client. An agent who does not know what they do not know yet benefits enormously from a loan officer who treats the pre-approval conversation as a teaching moment rather than just a transaction.
Alex raised the reciprocation piece that often goes undiscussed. Loan officers who receive referrals from agent partners frequently feel like they have nothing to send back because buyers come to agents first. But every buyer has a sphere. They have friends, family, coworkers, a financial advisor, an insurance agent, a family law attorney. A loan officer who builds relationships with the people around a buyer during the loan process and asks for introductions can send one or two transactions back to a referring agent off a single referral received. That kind of mutual investment is what turns a transactional relationship into a genuine partnership.
The little things matter too. A text asking how a slow week is going. A handwritten card. A phone call that has nothing to do with a specific deal. Those touches communicate that the relationship matters beyond the transaction and they are what make a partnership durable through the ebbs and flows that every agent and loan officer experiences over the course of a career.
How to Reach Tammi Roach
Find Tammi Roach and the Grant Johnson Group on the internet or reach out directly through social platforms. The team runs monthly classes covering various business models, hosts regular happy hours, and runs a recurring event called Collaboration and Caffeine. If you are curious about what the team offers regardless of where you are currently working the conversation is open and the invitation is genuine.
Alex Mysinek works with buyers across Minnesota on conventional financing, investment property loans, DSCR products, and creative solutions for borrowers with complex income profiles. Reach out to Alex Mysinek to connect on the lending side of any transaction.
Sources
MinneapolisAssociationofRealtors.com
NAR.realtor
MortgageNewsDaily.com
ConsumerFinancialProtectionBureau.gov
Investopedia.com
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