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Government affairs, expert advice and member business listings from the Central Minnesota Builders Association.
CMBA members are tracking a wave of parcel-by-parcel rezoning requests that determine whether hundreds of planned units ever break ground.
Read the storyGovernment Affairs
Government Affairs · August 7, 2026
Government Affairs · July 29, 2026
Falcon National Bank's lending team on the preparation that separates a pre-approval that holds up from one that falls apart at closing.
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Falcon National Bank
Hail bruising, granule loss and ice-dam history all change the calculus. What to inspect before another freeze-thaw cycle.
CMBA Member Contributor
Better air sealing changed the load math. Oversized equipment now costs comfort as well as efficiency.
CMBA Member Contributor
With inventory tight, more Central Minnesota owners are pricing an addition against a move-up purchase.
CMBA Member Contributor
Fixture placement, line sizing and access panels are inexpensive to plan and expensive to change.
CMBA Member Contributor
Readers send questions; CMBA member professionals answer.
“How early should a first-time buyer talk to a lender before they start looking?”
Sixty to ninety days ahead is ideal. That is enough runway to correct a credit reporting error, document a down payment gift, and compare loan structures without a purchase agreement clock running. Buyers who come in early also get a realistic payment range before they fall in love with a house above it — which is the single most common source of heartbreak in this process. Bring two years of tax returns, recent pay stubs, and a rough picture of your savings, and we can model two or three options in one sitting.
Falcon National Bank Lending Team
Mortgage & Construction Lending · Falcon National Bank
“What should a homeowner have decided before the first builder meeting?”
Ask A Pro rotates one professional per category each month. This slot is available — the sponsor supplies a headshot, a reader question, and a 150 to 300 word answer, and CMBA coordinates the calendar so a category is not repeated back to back.
Open Slot
Category exclusive for the month · Your Business Here
Business Listings
St. Cloud, MN
Standard listing: business name, category, phone, website and city. Upgrade to an enhanced listing for logo, photos, hours and description.
Sartell, MN
Standard listing. Enhanced listings appear above standard listings within the category with logo and expanded detail.
St. Cloud & Foley, MN
Community bank serving Central Minnesota with mortgage, construction, commercial and HELOC lending decided locally.
Falcon National Bank works with CMBA builders, remodelers and their customers on construction draws, first-time buyer programs, HELOCs and commercial real estate financing. Lending decisions are made by people who know the local market, which keeps appraisals, draw inspections and closing timelines moving.
Waite Park, MN
Standard listing. Category placement follows the CMBA member directory.
No listings in this category yet.
No listings in this category yet.
St. Joseph, MN
Standard listing available to all CMBA members in good standing.
St. Cloud, MN
Standard listing. Suppliers and construction material dealers.