In this episode of Keys with the House Lady, we uncover one of the most powerful yet underused resources available to today’s buyers: Down Payment Assistance. I’m joined by Tammy Wagner of Movement Mortgage for an eye-opening conversation about how DPA works, who it can help, and why so many people don’t even realize they qualify.

We break down the myths, the benefits, and the real numbers behind programs that can open the door to homeownership sooner than most buyers ever imagined. We also talk about the importance of a strong lender–realtor partnership, especially when navigating something new, stressful, or overwhelming. When your team is aligned, the experience for the client becomes smoother, clearer, and far more empowering.

Curious whether you might qualify for DPA? Start here:

Check Your DPA Eligibility: https://www.workforce-resource.com/dpr/pmt/MSP/ESTRELLA_CARTER

In this episode of Keys with the House Lady, Estrella Carter breaks down Minnesota’s proposed 2026 property tax increases and explains the Truth-in-Taxation notice that many homeowners are receiving this month.

Estrella walks you through: • What the proposed tax notice really means • Why property taxes are increasing across Minnesota • How the Homestead Market Value Exclusion works • The difference between estimated market value and taxable market value • Why preliminary levies often come DOWN before they’re certified • Practical steps homeowners can take before year-end

If you’re a Minnesota homeowner—or planning to buy or sell in 2025 or 2026—this episode gives you clarity, confidence, and the knowledge you need to make informed decisions.

For more resources, visit EstrellaCarter.com or call 651-338-4207.

In this special Hispanic Heritage Month episode of Keys to Real Estate with The House Lady, Estrella Carter sits down with trusted loan officer Pedro to talk about the intersection of culture, community, and financial empowerment.

They discuss what buyers can do right now to prepare for homeownership in the new year, how to strengthen their financial profile before spring, and why representation matters in the lending world.

Pedro shares his journey, his passion for helping families achieve the dream of homeownership, and the traditions and values he’s passing down to his children — from family recipes to financial wisdom.

Tune in for a powerful, down-to-earth conversation about planning, purpose, and pride in homeownership — all through the lens of Hispanic heritage and community impact.

🎧 Follow Keys to Real Estate with The House Lady Carter on Spotify and Apple Podcasts for more stories that inspire, educate, and celebrate the power of home.