Kochul Thao

05/06/2026

🚨 Important Update for Homebuyers & Real Estate Professionals 🏡✨

The NeighborWorks Home Partners Project Reinvest Down Payment Assistance Program is now open. https://nwhomepartners.org/project-reinvest/

⚠️ Eligibility Notice:
This opportunity is available exclusively for properties located in Anoka County, Carver County, Dakota County, Hennepin County, Ramsey County, Scott County, and Washington County.
Funding is limited and available on a first-come, first-served basis, making timely preparation essential ⏳

✅ Requirements Prior to Application

📚 Complete Homebuyer Education:
👉 https://frameworkhomeownership.org/get-started

💬 Meet with a Financial Counselor:
👉 www.hocmn.org

⚠️ Both steps must be completed before executing a purchase agreement

💰 Program Highlights
Up to $10,500 in down payment assistance
No maximum purchase price
Not limited to first-time homebuyers
Applicants must not own a property at the time of closing
Household income must be at or below 100% of Area Median Income (AMI)
⏳ Important Reminders

Application reviews require processing time—early preparation is key:
✔️ Obtain your homebuyer education certificate
✔️ Complete your financial counseling session

⚠️ Note: Completion of both the homebuyer course and financial counseling is required before entering into a purchase agreement

📩 Questions or Ready to Get Started?
📧 [email protected]

📞 763-273-7567

Take the next step toward homeownership with confidence 🏠💙

The guidelines below are subject to change at any time without notice. Loan funds are subject to availability. Contact our lending team with questions about this program. Please note: Household residents cannot manipulate income (e.g. quit job, etc.) or household size to become eligible. Program Ove...

04/30/2026

Pre-Approved to Buy a Home in Minnesota? What NOT to Do Next

Got pre-approved for a mortgage in Minnesota? Before you start house hunting in the Twin Cities housing market, avoid these common mistakes that could delay, reduce, or even hurt your final loan approval.

🚫 Do NOT:
✔ Open new credit cards
✔ Finance a car or new debt
✔ Move money between accounts without documentation
✔ Change jobs before closing
✔ Miss bill payments or increase balances

Why it matters: Your lender may recheck your credit, debt, income, and assets before closing. Even small changes can impact your home loan approval.

If you're buying a home in Minnesota, planning ahead can make the process smoother and less stressful.

👉 Book an appointment today:
https://affordablemortgageshop.com/team-member/kochul-h-thao/

Kochul H. Thao
NMLS # 1277933
Owner/Broker
Affordable Mortgage Shop LLC – NMLS # 2284598

📍 1983 Sloan Pl Ste 15, Maplewood, MN 55117
☎️ Office: (651) 369-9309
📱 Mobile: (763) 273-7567
📧 [email protected]

04/29/2026

04/29/2026

Pre-Qualification vs Pre-Approval: What’s the Difference? 🏡💰

If you’re thinking about buying a home in Minnesota, understanding pre-qualification vs pre-approval can save you time, stress, and help you win in a competitive market.

✅ Pre-Qualification = A quick estimate of what you may qualify for based on self-reported income, debt, and credit. Great for planning your budget.

✅ Pre-Approval = A stronger next step where a lender reviews your documents, credit, income, and assets. This shows sellers you’re a serious buyer and ready to make an offer.

Why this matters: Many sellers prefer buyers with a pre-approval letter because it strengthens your offer.

📍 Thinking about buying in Minnesota? Start smart and know your numbers first.

👉 Call or message today!

Kochul H. Thao
NMLS # 1277933
Owner/Broker
Affordable Mortgage Shop LLC – NMLS # 2284598

📍 1983 Sloan Pl Ste 15, Maplewood, MN 55117
☎️ Office: (651) 369-9309
📱 Mobile: (763) 273-7567
📧 [email protected]
🌐 https://affordablemortgageshop.com/team-member/kochul-h-thao/

04/23/2026

Most first-time homebuyers in Minnesota think they need 20% down…

That’s one of the biggest myths in real estate.

There are Minnesota first-time homebuyer programs designed to help you get into a home sooner — even with limited savings.

You may qualify for:
• Down payment assistance in Minnesota
• Reduced upfront costs
• Affordable mortgage options based on your income

Programs through Minnesota Housing can make homeownership more accessible — but the key is knowing what you qualify for.

The first step? Get pre-approved so you have a clear strategy before you start house hunting.

👇 Ready to see what you qualify for? Book a call or reach out directly:

Kochul H. Thao
NMLS # 1277933
Owner/Broker
Affordable Mortgage Shop LLC – NMLS # 2284598
1983 Sloan Pl Ste 15, Maplewood, MN 55117
Office: (651) 369-9309
Mobile: (763) 273-7567

Email [email protected]

https://calendly.com/kochul-thao

10/28/2024

🌟 Attention Homebuyers! 🏡 Are you ready to unlock the door to your dream home with 5% down payment assistance? 🎉

We've got fantastic news for you! Our FHA down payment assistance program offers up to 5% down, and it’s super accessible! Here are the highlights:

✅ Minimum Credit Score: Just 600!
✅ No Minimum Contribution!
✅ No Minimum Asset Limits!
✅ No Income Limits!

That’s right—you don’t even have to be a first-time homebuyer! This program can be used for Single Family homes, Duplexes, Manufactured Homes, Townhomes, and Condos (must be HUD approved). 🏠✨

While the program does require payback within 10 years, it’s perfect for those who might not qualify for local or state down payment assistance due to credit or income restrictions, or for those finding it tough to secure conventional financing. 💪

Don’t wait—reach out to me today for more info! 📩 Email: [email protected] or call me at 📞 763.273.7567. Let’s make your homeownership dreams a reality! 🥳🏠

10/14/2024

🎉 Exciting News for Homebuyers! 🎉

Now is the perfect time to dive into homeownership! As winter approaches, competition is cooling down, making it easier for you to make your dream offer. 🏡✨

Check out these amazing down payment assistance programs available in your area:

Blaine: Up to $10,000!
Brooklyn Center: Up to $10,000!
C**n Rapids: Up to $5,000!
Fridley: Up to $10,000!
Minnetonka: up to $50,000!
Roseville: Up to $25,000!
St. Louis Park: up to $15,000
Minneapolis: Multiple options! Learn more!
Bloomington: Up to $10,500!

And if you're looking for assistance outside these cities, check out Neighborworks Home Partners’ Community Keys program for up to $10,000 in Hennepin, Ramsey, Washington, Dakota, or Anoka County!

Plus, for those who qualify, we have a lender ready to assist with 3% down payment help for first time homebuyer and REPEAT, capping at $15,000! 💰

Don’t wait! Reach out to me for more information. You can email me at [email protected] or call 763.273.7567. Let's make your homeownership dreams a reality! 🚀🏠

09/25/2024

🎉 We’re thrilled to share the exciting news of another delighted client and agent who just achieved clear-to-close in just 4 days—using their own funds and skipping down payment assistance! 🚀 If you want to learn how you can make your offer stand out and close even faster, reach out to me at [email protected] or call 763.273.7567. Let’s make your dreams a reality! 🌟

09/20/2024

🎉 Just like DJ Khaled says, "Another One!" 🎉 We’re thrilled to announce that we helped another buyer get clear to close in just 6 business days! 🚀 By using their own funds, they crossed the finish line even faster than those using down payment assistance. 💪

Agents, want to know how to get your client’s offer accepted and close sooner? We’ve got you covered! 🏡✨ Buyers, if you're ready to win in multiple offer situations, reach out to learn how a quicker closing can be your secret weapon! 💥

Contact me at [email protected] or call 763.273.7567! Let’s make it happen! 🙌

09/18/2024

🎉 Big congratulations to our amazing borrower for choosing us to refinance their home! 🏡✨ They were eager to make it happen, and we’re thrilled to help! If you’re ready to refinance your home or secure financing for a new one, don’t hesitate to reach out! Let’s get started! 💪💰 You can contact me at [email protected] or call 763.273.7567. Can't wait to hear from you! 🚀