Rochelle Roesler, Fargo Realtor, Century 21 FM Realty

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Rochelle Roesler, Fargo Realtor, Century 21 FM Realty

Inspiring The American Dream Of Home Ownership Rochelle will be sure to exceed your Real Estate expectations. Contact her today!

Rochelle Roesler is a dedicated and committed Broker Associate in the Fargo, Moorhead, West Fargo, and Detroit Lakes areas that is known for her exceptional communication and professionalism skills. With over 27 years of Real Estate experience, Rochelle makes each transaction as smooth and stress-free as possible for her clients. Rochelle began her career in Real Estate in 1995, and since then has joined Century 21 FM Realty, where she has been able to provide numerous clients with her knowledge, expertise, and unparalleled passion for the field. In addition to helping clients sell and buy homes, Rochelle is also highly skilled in Investments - 1031 exchanges, foreclosures, lake homes, and farms.

11/06/2026

If you served, you may have access to a home loan benefit that works differently from anything else out there. A lot of veterans in this area never use it, and most of the time it's because nobody ever sat down and explained it.

Here's the plain version.

A VA loan isn't made by the VA. It's made by a regular lender, and the Department of Veterans Affairs guarantees part of it. That guarantee is what lets a lender offer terms they otherwise wouldn't.

Depending on your situation and your lender's requirements, that can mean buying with no down payment, no monthly mortgage insurance, and limits on certain closing costs you'd pay on another loan.

Three things to know before you shop.

One. You need a Certificate of Eligibility. Your lender can usually pull it for you in minutes.

Two. The property has to meet VA standards, and a VA appraisal is part of that. This matters more on older homes, and we see plenty of those in the Fargo and Moorhead core.

Three. There's typically a funding fee, though some veterans are exempt. Ask where you fall before you budget anything.

This benefit was earned. Use it or don't, but make that decision with real information instead of a rumor.

Todd Geszvain with NEXA Lending, NMLS 2724777, works with veteran buyers and can tell you what you're actually eligible for.

Start your application: https://1660690.my1003app.com/2724777/register?time=1762547256955

To everyone who served — thank you. When you're ready to look at homes here, I'm ready.

10/30/2026

It's the day before Halloween, so let's talk about the scariest house I ever walked a buyer through.

It showed beautifully. Fresh paint, staged furniture, cookies on the counter. About four minutes in, I asked everyone to follow me down to the basement.

Here's what I look at that buyers almost never do.

The smell. Not "old house" — that mineral, wet-cardboard smell that means water has been in here more than once. Your nose knows before your eyes do.

Horizontal lines on the foundation wall. Vertical cracks happen in every basement in this valley. A horizontal crack running the length of a wall is a different conversation entirely.

Fresh paint in exactly one spot on a ceiling. Nobody repaints four square feet of ceiling for fun. Something came through there.

The electrical panel. Open it. A mix of breaker brands, hand-written labels, or wire that doesn't match anything else in the box means somebody did their own work.

The furnace tag. There should be a service sticker with dates on it. A furnace with no service history, going into a Fargo winter, is a number you want before you write the offer, not after.

None of this means walk away. I've written offers on houses with every one of these. It means you write the offer knowing, instead of finding out in February.

Thirty years of basements in Fargo, Moorhead and West Fargo. Bring me to the showing. I'll tell you what I'm seeing.

10/28/2026

Somebody offers to buy down your rate. What are they actually offering you?

Here's the plain version. A point is a fee paid at closing in exchange for a lower interest rate on your loan. One point equals one percent of your loan amount. Pay more up front, pay less every month.

Two things decide whether that's smart for you.

First, the break-even. Take what the points cost and divide it by what they save you monthly. That's how many months you need to keep the loan before you come out ahead. If you're moving or refinancing before you get there, you paid for nothing.

Second, who's writing the check. In some transactions a seller or a builder contributes toward a buydown instead of cutting the price. Whether that's allowed, and how much, depends on the loan program.

There are also temporary buydowns, where the reduction only lasts a year or two before the payment steps up. Completely different product. Ask which one is on the table before you say yes.

Lane Erhardt with loanDepot, NMLS 1485190, can run your actual break-even on real numbers.

Start here: https://www.loandepot.com/loan-officers/lerhardt

Whether to ask a seller for a buydown or a price cut is a negotiation call. That one's mine. Let's talk before you write.

10/23/2026

You're thinking about building next spring. Start the financing conversation now, not in March.

Here's why. Construction financing has more moving parts than a regular purchase loan, and those parts don't move on your schedule.

The rough shape of it: you get approved, you settle on a builder and a plan, the loan closes, and then money releases in stages as work gets completed. Somebody inspects before each release. At the end, the loan either converts to permanent financing or you close a second time — ask that question early, because the two answers feel very different when you're living through them.

Winter is exactly why you start now. Builders in Fargo, West Fargo and Horace fill their spring calendars months ahead. Good lots go under contract over the winter. If your financing isn't lined up, you're negotiating from behind on both.

One more thing people underestimate. You're paying for wherever you live now while the build happens. Plan for both, not one.

Brenda Holman, VP/Mortgage and Construction Loan Officer at Western State Bank, NMLS 686727, does this work year round.

Start your application: https://westernbanksmortgage.mymortgage-online.com/BrendaHolman.html

Bring me in early too. Builder contracts are more negotiable than most people assume.

10/18/2026

𝗟𝗲𝘁’𝘀 𝘁𝗮𝗹𝗸 𝗮𝗯𝗼𝘂𝘁 𝘆𝗼𝘂𝗿 𝗻𝗲𝘅𝘁 𝗰𝗵𝗮𝗽𝘁𝗲𝗿. 🏡

Buying, selling, or just starting to wonder what comes next? We can talk through your timing, your goals, and the questions on your mind.

I’ve helped buyers and sellers navigate moves since 1995, and I’d love to help you plan yours.

Call or text me at 218-979-1722, or send me a message to schedule a conversation.

10/17/2026

𝗪𝗵𝗮𝘁 𝗺𝗮𝗸𝗲𝘀 𝗮 𝗵𝗼𝗺𝗲 𝗳𝗲𝗲𝗹 𝗹𝗶𝗸𝗲 𝘆𝗼𝘂? ☕

A sunny reading spot? A kitchen with room to gather? A garage that makes winter mornings easier?

Tell me your one must-have in the comments. I love hearing which details make a house feel like home!

Ready to find a space that fits your life? Message me and let’s build your wish list.

📱 218-979-1722

10/16/2026

𝗣𝗹𝗮𝗻 𝗳𝗼𝗿 𝗺𝗼𝗿𝗲 𝘁𝗵𝗮𝗻 𝘁𝗵𝗲 𝗽𝗮𝘆𝗺𝗲𝗻𝘁. 🔑

Your homebuying budget should leave room for everyday life, too! Think about utilities, maintenance, moving expenses, and a cushion for unexpected repairs.

I can help you organize your home search and connect you with a lender to discuss financing questions.

Message me “BUY” and let’s talk about your first steps.

📱 218-979-1722

10/16/2026

Conventional loan. You hear it constantly and almost nobody explains it.

Here's what it actually means. A conventional loan isn't insured or guaranteed by a government program. No FHA behind it, no VA, no USDA. It's between you, the lender, and the guidelines the loan has to satisfy.

That matters for a few practical reasons.

Conventional loans generally follow standards set by Fannie Mae and Freddie Mac. Loans that fit inside those limits are called conforming. Above the limit is a different product with different rules — your lender can tell you exactly where that line sits for our county this year.

Mortgage insurance behaves differently on a conventional loan than it does on a government-backed one. Ask specifically how it would apply to you and what would eventually end it.

And property condition standards can differ between loan types. That matters if you're shopping older homes in the Fargo core or something that needs work before it's finished.

Dan Eggiman, AVP and Senior Mortgage Loan Officer at Gate City Bank, NMLS 867304, can tell you whether conventional is the right fit for what you're actually shopping for.

Start your application: https://www.fmhomepros.com/dan-gatecity/

I'll tell you how a given property is likely to appraise and inspect. Ask me before you fall for it.

10/15/2026

𝗦𝗲𝗹𝗹𝗶𝗻𝗴 𝗻𝗲𝘅𝘁 𝘀𝗽𝗿𝗶𝗻𝗴? 𝗦𝘁𝗮𝗿𝘁 𝗵𝗲𝗿𝗲. 🏡

You have time to prepare without rushing. Start with one room to declutter, write down repairs you already know about, and gather records for major home updates.

Before spending money on a big project, let’s discuss what makes sense for your home and your selling goals.

Message me “SPRING” to start your personalized preparation plan.

📱 218-979-1722

10/14/2026

🏡 **PRICE UPDATES! NEW PRICES, NEW POSSIBILITIES!** 🔑

Looking for your next home? I've got some exciting price updates on six properties across North Dakota and Minnesota!

Whether you're looking for more space, a small-town setting, or a place closer to Fargo–Moorhead, one of these homes might be just what you've been waiting for!

🏠 **205 1st St N, Fairmount, ND** — $315,000
4 Beds | 3 Baths | 2,982 Sq Ft

🏠 **302 Chicago Ave, Breckenridge, MN** — $285,000
4 Beds | 3 Baths | 2,534 Sq Ft

🏠 **451 263rd St S, Hawley, MN** — $435,000
4 Beds | 3 Baths | 2,324 Sq Ft

🏠 **1105 10th St N, Fargo, ND** — $329,900
6 Beds | 3 Baths | 2,907 Sq Ft

🏠 **3902 6th St S, Moorhead, MN** — $399,900
4 Beds | 3 Baths | 2,488 Sq Ft

🏠 **4213 51st St S, Fargo, ND** — $310,000
3 Beds | 4 Baths | 2,261 Sq Ft

✨ **See something that catches your eye?** Swipe through the photos and let's schedule a private showing!

📲 Call or text me at **218-979-1722**
🌐 www.fmhomepros.com

Address

5012 53rd Street South, Suite G
Fargo, ND
58104

Website

https://www.fmhomepros.com/

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