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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Tips for Parents of Boomerang Kids

Your adult child has finished school and is now starting a new life — at home. According to a Pew Research Center survey, over half of parents in the U.S. with adult children say they helped their adult kids financially in the previous year. Some of that help came in the form of letting their kids move back home. If you’ll be welcoming a “boomerang” child, here are some tips to know.

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World Champions – now what?

World Champions – now what?

My Denver Broncos won the Super Bowl on February 7. I have been a diehard Broncos fan since they signed Peyton Manning back in 2012. I have a wealth of orange and blue Broncos collateral throughout my house, including a Peyton Manning shrine in the middle of my living room. You might say I bleed orange during football season and everyone within earshot knows if they are having a good game or have had better days.

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5 Common Mistakes to Avoid on Your Tax Return

Rushing to file your tax return increases the chances of error, which can delay your refund, trigger an audit or cause you to have to pay more later. Here are some of the most common tax mistakes to avoid.

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How being in control of your credit can save you thousands

Credit and credit scores is one of those areas many people ignore or don’t think about until it is too late. Several of my peers will tell me about credit card debt they have accumulated in college, but what many of them don’t know is exactly how much that hurts you and any co-signer’s credit in the long run. For parents or guardians who co-sign on their student’s credit cards or loans, or students who currently have credit, it’s tremendously important to know the following facts.

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2018 Holiday Hours


New Year's Day
Monday, January 1st
All locations closed.


Martin Luther King Jr Day
Monday, January 15th
All locations closed.


Presidents' Day
Monday, February 19th
All locations closed.


Good Friday
Friday, March 30th
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 28th
All locations closed.


Independence Day
Wednesday, July 4th
All locations closed.


Labor Day
Monday, September 3rd
All locations closed.


Columbus Day
Monday, October 8th
All locations closed.


Veterans Day
Monday, November 12th
All locations closed


Thanksgiving Day
Thursday, November 22nd
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
Monday, December 24th
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.


Christmas Day
Tuesday, December 25th
All locations closed.


New Year's Eve
Monday, December 31
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
Tuesday, January 1st
All locations closed