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When is the right time for a cash out mortgage refinance?

When is the right time for a cash out mortgage refinance?

What is a cash out refinance?   Bottom line…. It is refinancing your mortgage for more than you currently owe and pocketing the difference. Your home can be a piggy bank, transforming your equity in to cash to use in multiple ways. 

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Mother’s Day – Should we take Mom out to eat, OR make a meal at home?

Mother’s Day!  What does it mean for all Mothers and how do they want to celebrate the day?   

Do some want to spend time with their kids with a meal at home?  Or do they prefer going out to eat? Do some Mother’s want to be surprised with breakfast in bed? 

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Paper Chains

I don’t often use the paper cutter at work anymore. On the rare occasion I do, I think about my Grandma Lucy and the times she worked as a substitute teacher at my grade school. You see, when Gram was filling in, I could lead the class in an art project of my choosing. Most of the time it involved cutting strips of colored paper to make paper chains. I remember the collective groans of my classmates when it was clear our regular studies would be replaced with yet another meaningless art adventure, but I loved it!

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Minnesota Weather – 70 degrees one day, then 39 degrees, just days later!

We truly do experience all types of weather in Minnesota, especially in the Twin Cities area.  We’ve had record highs, close to 70 degrees, then 39 degrees for highs, just days later. 

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2021 - 22 Holiday Hours

Martin Luther King, Jr. Day

Monday, January 18th
All locations closed.


President's Day
Monday, February 15th
All locations closed.


Good Friday
Friday, April 12th
All locations open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.


Memorial Day
Monday, May 31st
All locations closed.


Independence Day
Sunday, July 4th
All locations closed.


Labor Day
Monday, September 6th
All locations closed.


Columbus Day
Monday, October 11th
All locations closed.


Veterans Day
Thursday, November 11th
All locations closed


Thanksgiving Day
Thursday, November 25th
All locations closed.


Day after Thanksgiving
All locations are open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.


Christmas Eve
Friday, December 24th
All locations open until 1:00 p.m.
Lobby - 9:00 a.m. to 1:00 p.m.
Drive-thru - 9:00 a.m. to 1:00 p.m.


Christmas Day
Saturday, December 25th
All locations closed.


New Year's Eve
Friday, December 31st
All locations open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.


New Years Day (2021)
Saturday, January 1st
All locations closed