Welcome-You have just arrived here as either an "optin" or as a direct link link from one of our ads!  At the bottom of this page are the links to one of the two pages that may have sent you here-Minnesota FHA Loan and Minnesota VA Mortgage.   Bookmark them and visit often as we update those pages with timely information.

Here are just SOME of the downloads we make available to you.  There are many more FREE reports and PDF's throughout this site  and  We encourage you to explore BOTH sites as these are our main mortgage and real estate sites and have different information.

Here are some popular PDF reports:

Establish a Household Budget

Credit 101 Tips

How To Buy Your First Home

Reality Based Real Estate Investing-Chapter 1 

The link above is for the first chapter.  I hope you decide to purchase a copy of the book for your personal library.  I share 23 years or experience with you.  I KNOW you will learn something that will be helpful to you as you acquire real estate and pursue wealth through investing in properties.

Reality Based Real Estate Investing

Order your own paperback edition at or from the link below:


Would you like to save some more money?-Click on SPECIAL MORTGAGE OFFER Link below:

Through Lowe's Realtor Benefit program, I can have them send you an email link to get a 10% discount off of your purchase of up to $10000 at Lowe's store. This program is provided directly by Lowes and can change at any time or be discontinued.

This offer is subject to their rules and regulations. I will need you to provide me with your email, mailing address information, and phone number in order for me to forward your information onto Lowe's.  I need to input this info into the Lowe's system. They in turn will send you the link and a direct mail coupon. 

Send me at email at  and put "Lowe's Coupon" in the title.  Don't forget-I must have your full name, mailing address, phone # and email to process the coupon request. 

If you'd like to go back to one the two pages that have directed you here- click on the following links and you will be directed back:   or