Settlement vs. Mortgage Statements: Why is the payoff on my settlement statement higher than the balance on my mortgage statement?

04/06/1993General, Inspiration and Fun

You’re selling your home or refinancing your mortgage and at closing, you see that the payoff amount is a bit higher than the principal balance. Why don’t the two numbers match up? This is a common question we receive. Here’s the relatively simple answer. The number you see on your mortgage statement is the principal … Read More

Combating The Winter Blues

04/06/1993General, Inspiration and Fun

  Midwest winters are not for the faint of heart—especially in “Minnesnowta” where a foot of snow can fall one day, and the wind chill temps can rival Antarctica the next. Getting through the cold and dark season, which usually feels like it spans half the year from October to April rather than its allotted … Read More


04/06/1993General, News

TitleSmart sponsors Puppa mascot to support Spare Key and the “Hearts for Elizabeth” Fund (Saint Paul, MN) A Minnesota based non-profit’s effort to keep its mission alive with a desperate 1,700 mile, 10-state, two-month raft trip down the Mississippi River will get a boost from an official mascot. Spare Key,, is a Minnesota based … Read More

Road Trip Essentials

04/06/1993General, Inspiration and Fun

Late summer is the perfect time for planning a road trip adventure! Once August rolls around, most of the busy holiday travel weekends have passed so the roads aren’t as packed, and the weather finally starts to temper out from the stifling humidity of July to bring us pleasantly warm sunny days and cooler, campfire-ready … Read More

Summertime Scavenger Hunt

04/06/1993General, Inspiration and Fun

Looking for a fun way to kick off summer with the kiddos? Challenge yourself with a scavenger hunt! Screenshot this graphic or download our printable version of the list and have some fun! Once you’ve finished all 5 tasks, tag us on Facebook or Instagram with your photos of the challenges and we will draw … Read More

Staying Connected

04/06/1993General, Inspiration and Fun

  Living in an age with so many technological advances is truly amazing when you think about it! Even when you’re stuck at home, you can hang out with your friends with the help of a webcam or go on a tour of your favorite museum. Staying connected is part of what makes us human … Read More

FHA, Fannie Mae, Freddie Mac Raise Loan Limits

04/06/1993Business, Industry News, News, Newsletters

  The Federal Housing Administration (FHA), Fannie Mae, and Freddie Mac are backing larger mortgages now that the 2020 loan limits have gone into effect. The higher loan limits went into effect on January 1, 2020. The Federal Housing Finance Agency (FHFA) made the announcement in November 2019 that it would begin allowing mortgage borrowers … Read More

In Loving Memory Of Elizabeth


Elizabeth VanEyll Beautiful inside and out. Elizabeth felt a lump and was diagnosed in the Spring of 2018 with stage 3 breast cancer.  For the following year, she endured intense chemo, radiation, double mastectomy surgery and two reconstructive surgeries.  Elizabeth never complained and exuded a positive, upbeat thrill and zest for life, family and friends.  … Read More