For mortgage broker Cait Haugen, mortgages aren’t just about rates and numbers, they are about people. As part of Edge Home Finance, Cait offers clients something rare in the industry: personalized options. Because she is an independent broker, she is not tied to a single bank. Instead, she has access to a wide range of lenders, giving her the flexibility to match each client with the loan that best fits their needs. From starter homes to unique financing, Cait supports clients with expertise and compassion.
Cait’s entire philosophy rests on three pillars: education, advocacy, and empowerment. “I always meet clients where they’re at,” she says. That approach means breaking down each step of the process and being available whenever questions come up. Many of her clients are first-time buyers, and they often say her ability to simplify and reassure made all the difference. One young family with two small children once faced losing their dream home because their condo was not selling fast enough. Cait arranged for the grandparents to co-sign on the new loan, and the family ended up closing two weeks ahead of schedule.
The Minnesota Market Moves Fast
That kind of creative problem-solving is especially valuable in today’s climate. “Midwest homes, especially in Minneapolis, are selling faster than the national average,” Cait notes. “It is wonderful for sellers, but it means buyers have to be ready. By the time you leave the driveway, your dream home might already be sold.”
Do Not Chase the Rate
While interest rates dominate the headlines, Cait urges buyers not to let numbers alone scare them off. “Rates change multiple times a day,” she explains. “What matters more is your monthly payment. Prices are still rising, so waiting for the ‘perfect’ rate could mean ending up with a higher payment overall. Buy in the range you are comfortable with, and know you can always refinance later.”
The end goal is bigger than a single transaction. She believes everyone deserves the chance to own a home and works to connect buyers with resources that make it possible. In a market that feels uncertain, there is reason to be thankful for an advocate who brings both heart and expertise, helping families take confident steps toward the place they will call home.