Family changes and how to deal with current home

Let’s face it, we all know someone who is going through a family change.   It could be a divorce, or the death of a loved one or on the brighter note, the addition of a new family member.    Sometimes the owning of real estate can add to the stress of this change.  The Scott Miller […]

Buy a home with $1000 down payment

There is a myth that many people believe they need 20% for a down payment on a loan for a home.   That simply is not true.    MHFA  (Minnesota Housing Finance Agency)  allows for ALL home buyers  (first time and repeat buyers) to qualify for up to $15,000 in down payment assistance.   There are income limits […]

Buy a home for $1000 or LESS!

pink and white pig

How much money does it take to buy a home? You may be surprised at how many people do NOT know their down payment options and believe they need to put 20% or more as a down payment for the purchase of a home. That down payment amount is only the benchmark for a conventional […]

How To Buy A Home In A Sellers Market


If you are one of the many home buyers you have experienced the “sellers market”. This is when there are more buyers and fewer homes in the marketplace and it creates a HIGH demand for most homes for sale. Those of you in the market know this can be very frustrating. How was the sellers […]

What’s up with interest rates?!

interest rates

When I started originating mortgages, interest rates were at 11%! Back then, FHA only did rates at .5% increments so when they finally dropped to 9.5% the world went crazy as they were so happy that rates had dropped below 10%. Most of us choose not to remember those days and history has shown that […]

Buying & Selling A Home In Today’s Market

Ah, to be a first-time home buyer again: How easy it was to buy a home when you weren’t carrying another mortgage on your back! If you’re looking to graduate from first-timer to repeat buyer, you know things are about to get much trickier. Unless you’re a bona fide house collector, you’ll have to sell […]

Everything you need to know about homeownership under the new tax laws

Mortgage interest deductions Tax-paying homeowners will recall their mortgage company issues a statement every January showing how much interest has been paid against their loan. Anyone with a mortgage knows the accruing interest payments are much higher than principal payments, especially in the first few years of paying the loan. It’s a great deduction, and […]

The 8 hour work day is a thing of the past

I received this article written by Dr. Travis Bradberry. I thought it was a great article and wanted to share it with you The 8-hour workday is an outdated and ineffective approach to work. If you want to be as productive as possible, you need to let go of this relic and find a new […]

Recommended Professionals

I trust this blog finds you well.   I am excited to announce a new feature on our website   titled Recommended Professionals.   These are people that I know personally and professionally that I have worked with in the past.   These are people that I know will provide a quality, trusted service at a fair price.    […]

Real Estate For Sale

Welcome to the Scott Miller team blog.   One of our commitments this year is to our valued Real Estate professionals.   We are lucky to work with some of the best in the Twin Cities Market so we allow them to post homes for sale and homes that are coming to the market soon.    // We […]