Twin Cities Mortgage Expert Advises Homebuyers to Prepare Early as South Metro Competition Builds Ahead of 2026 Market

Local Loan Officer Highlights What Buyers Should Expect as Inventory Remains Tight Going Into the New Year

Lakeville, MN - November 2025 - As the Twin Cities housing market heads into the final stretch of 2025, local mortgage expert Chad Krueger (NMLS 400930) of MinnTrust Mortgage, LLC is encouraging homebuyers to prepare early for what is shaping up to be another competitive season in 2026. Despite a quieter late-fall market, many south-metro communities continue to experience limited inventory and above-average demand, especially in Lakeville, Prior Lake, Savage, Rosemount, Apple Valley, and Burnsville.

"People assume the late-year slowdown means the pressure is off," Krueger said. "The reality is that serious buyers should be using November and December to get preapproved, review loan options, and position themselves for January and February. Once listings start hitting the market again, they don't sit long in the south metro."

Recent regional data shows the Twin Cities remains one of the more resilient Midwest markets, with well-priced homes continuing to attract multiple offers in high-demand suburbs. Sellers entering the market in early 2026 may still benefit from strong buyer pools, but constrained inventory continues to challenge affordability and timeline expectations for buyers.

Krueger notes that the combination of lower seasonal activity, ongoing population growth in suburban areas, and improving rate sentiment has brought more buyers back into the preapproval stage earlier than in previous years.

"Buyers who wait until spring to get ready often feel rushed," Krueger said. "The smartest move, especially in Lakeville and the surrounding cities, is to understand your full payment comfort range now. When the right house becomes available, you don't lose time trying to catch up."

MinnTrust Mortgage offers a full range of financing options including Conventional, FHA, VA, USDA, Jumbo, renovation loans, investment property loans, and reverse mortgages where eligible. Krueger works with first-time homebuyers, veterans, move-up buyers, first responders, and real estate investors throughout the Twin Cities.

For more information or to begin the preapproval process, visit www.chadkrueger.com, call 612-382-8792, or email Chad@MinnTrust.com

All loans subject to approval. Equal Housing Lender.

MinnTrust Mortgage, LLC
8100 Penn Ave. S. Suite 100
Bloomington, MN 55431
Chad Krueger
chad@minntrust.com
612-382-8792

At MinnTrust Mortgage LLC, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options that are available today. After you select the loan that is best for you, we will work continuously on your behalf to help you achieve your dream of homeownership.

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Take advantage of our expertise in the residential lending industry by applying online today. You will find that the skill, professionalism, and consideration we give to each of our clients makes getting your loan a worthwhile endeavor.

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This release was published on openPR.