Doug: Hi. This is Doug Hoover with Counselor Realty of Bemidji and the Doug and Melissa Hoover Group.  Today I’m here at First National Bank Bemidji, and I’m here with Joanne Daniels, a Retail Lender.

Joanne, what is the minimum credit score you guys would consider?

Joanne: In today’s market ...

Doug: Hi, this is Doug Hoover of the Doug and Melissa Hoover Group at Counselor Realty of Bemidji. Today I’m at First National Bank of Bemidji and we’re doing a lender spotlight with Sandy White, a Retail Loan Officer here at First National Bank.

Sandy, provide a step-by-step guide to ...

Doug: Hi, this is Doug Hoover with Counselor Realty of Bemidji and the Doug and Melissa Hoover Group. Today I’m at First National Bank of Bemidji doing a “Lender Spotlight.” I’m here with Tracy Appel from First National Bank… a Retail Loan Officer.

Tracy, what advice do you have ...

Zach: Hi, this is Zach Miller from the Hoover Group, Counselor Realty of Bemidji and I’m here with Max Cloose today from Security Bank. Max is going to be giving us some information on the pre-approval process.

So, Max, what items do you need to pre approve a buyer when ...