If you need assistance, please call 612-756-2283

eXp Realty
Home...Finally Home.
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Your Real Estate Experts

Jilayna Arcoren

REALTOR
612-756-2283
jilayna@teampemberton.com
612-756-2283
License Number: 40471188

Davis Arcoren

REALTOR
651-724-0190
Davis@thefinallyhometeam.com
651-724-0190
License Number: 40672710
Troy Mlenar

Troy Mlenar

Broker/Branch Manager
NMLS# NMLS332291
Direct: 612-720-4391
Cell: 612-720-4391
I believe the mortgage industry is about more than just obtaining a mortgage. It's about my ability to help my customers realize the pride and dream of homeownership. It's about building strength, and homeownership is the way to build strength in finances, strength in families, and strength in communities. I am truly passionate about the mortgage industry and have worn many hats in my 22 years in this industry. As a result of this I have shaped a unique understanding and overall appreciation of the entire mortgage process which allows me to offer unique value to my clients and referral partners. My team is committed to excellence in all that we do. We are committed to serving, continuous improvement, and accountability, and as a result of this 100% of my business comes from referrals from satisfied clients, trusted professionals, and some of the best realtors in MN! As a team we will continue to grow in our pursuit of excellence, constantly looking for ways to improve our service and commitment to our clients and referral partners.
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MORTGAGE EDUCATION

Fast facts & program details

Get educated about the specifics
of our primary loan types

CONTACT ME

Conventional

  • 3 % down; special conditions for 3% down
  • No geographic restrictions
  • PMI comes off with 22% equity/78% loan-to-value

FHA

  • 3.5% down
  • No income limit or geographic restrictions
  • 500 min. credit score (with 10% down)
  • Debt ratio more flexible
    – up to 55%

USDA

  • No money down
  • Geographic restrictions and income limits apply
  • More conservative debt ratio, typical cap of 43%

VA

  • Must be a Military Veteran
  • 500 min. credit score
  • No money down
  • No income limit or geographic restrictions

Seller Assistance Allowances

Conventional

Primary Residence & Second Homes

  • 3% max when less than 10% down
  • 6% max when 10-25% down
  • 9% max when greater than 25% down

Investment Properties

  • 2% max regardless of down payment

FHA/USDA

  • Seller can contribute up to 6% max toward closing costs and prepaid items.

VA

  • Seller can contribute up to 4% max toward prepaid items along with NO limits on closing costs and reasonable discount points.

Call, text, or email
if you have any questions!

CONTACT ME
 

Troy Mlenar

 

Troy Mlenar

Originating Branch Manager

M 612-720-4391

D 612-268-1501

F 612-268-1120

W loansbytroym.com

E troym@myccmortgage.com

 
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CrossCountry Mortgage, LLC
11310 86th Avenue N
Maple Grove, MN 55369
Personal NMLS332291 Company NMLS3029

 
CrossCountry Mortgage
 
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What you can expect as a Client.