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Kristen Ambos

Chief Production Officer-Midwest | NMLS: 239731

Recent Articles

Buying a Manufactured Home in Wisconsin? 7 Financing Details to Check Before You Make an Offer

Considering a manufactured home in Wisconsin? Before making an offer, learn why the foundation, HUD identification, title status, insurance and previous structural changes can all affect the mortgage process.

Published on 08/24/2026

Why August-to-Winter Is the Ultimate Buyer Negotiation Window

Discover why August through winter may give prepared 2026 homebuyers more inventory, less competition and greater negotiating power on price, repairs and incentives.

Published on 08/24/2026

What Is Mortgage Escrow?

Discover what mortgage escrow is and how it protects your funds and documents during a home purchase. Learn key tips for buyers to ensure a smooth closing process.

Published on 08/17/2026

Mortgage Points vs. Extra Principal Payments: Which Could Save You More?

Before paying thousands upfront to buy down your mortgage rate, it may be worth running the numbers. Learn how mortgage points compare with extra principal payments and how the right strategy could significantly reduce long-term mortgage interest.

Published on 08/12/2026

Should I Buy a House Now or Wait?

Learn why 2026 may offer smart opportunities for homebuyers despite current mortgage rates, and why personal readiness often matters more than trying to perfectly time the market.

Published on 08/10/2026

Why Homes Near a University Can Be a Smart Buy

Discover why homes near a university can be a smart choice for homebuyers. Learn how strong local employment, steady housing demand, and community amenities can support long term value while making an informed homebuying decision.

Published on 08/03/2026

Should I Wait for Mortgage Rates to Drop Before Buying a Home?

Thinking about waiting for mortgage rates to fall? Learn why timing the market isn't always the best strategy and what homebuyers should consider before delaying a purchase.

Published on 07/31/2026

Should You Sell Your Current Home Before Buying a New One?

Should you sell your current home before buying your next one? Learn the pros, cons, financing options, and key factors that can help you make the best move for your financial situation.

Published on 07/27/2026

Hazard Insurance vs Homeowners Insurance

Learn the difference between hazard insurance and homeowners insurance, what lenders require, what each policy covers, and how understanding both helps prevent closing day surprises.

Published on 07/20/2026