Going to one bank means seeing one set of rates. I shop across dozens of lenders at the same time — which means more programs, stronger terms, and someone who actually explains every step in plain language.
Standard purchase financing — competitive rates for buyers with strong credit profiles.
First-time buyers or lower credit scores. Government-backed, flexible qualification.
Exclusive for veterans and service members. No down payment, no PMI.
100% financing for eligible rural and suburban properties.
Above conventional loan limits. I work with lenders who specialize in large-balance purchases.
Lower your rate, reduce your term, or pull out equity. I'll tell you honestly if a refi makes sense.
Tap the equity you've built — on your schedule. A Home Equity Line of Credit gives you flexible, revolving access to funds without touching your first mortgage.
No jargon. Plain answers to the questions I hear every week.
A bank can only sell you their own products — which means one set of rates and one set of guidelines. As a broker, I shop your scenario across dozens of lenders simultaneously and bring you the options that actually fit. The process isn't harder; it's just more thorough — and almost always in your favor.
It depends on the loan type. Conventional loans can go as low as 3% down. FHA loans require 3.5% (or 10% if your credit score is below 580). VA loans and USDA loans can be 0% down for eligible borrowers. I'll show you what programs you actually qualify for based on your situation — not just the textbook answer.
Conventional loans typically require 620+. FHA loans allow for 580+ (or 500+ with a larger down payment). VA and USDA loans have their own guidelines. Tell me your score and I'll tell you which doors are actually open — not the ones that are technically possible.
Pre-qualification is a rough estimate based on self-reported information — not very meaningful to a seller. Pre-approval involves a credit pull and document review, and it carries real weight in a competitive offer. I'll tell you which one makes sense for where you are and what your offer needs to compete.
Closing costs typically run 2–5% of the loan amount and include lender fees, title, appraisal, and prepaid items like homeowners insurance. Some costs are negotiable and some can be rolled into the loan or covered by seller concessions. I'll give you a full estimate upfront — no surprises at closing.
Fixed rates give you payment certainty for the life of the loan. Adjustable rates (ARMs) are lower initially but can change after a set period. Which is better depends on how long you plan to stay in the home and your risk tolerance. I'll run both scenarios for your specific loan amount so you can compare on real numbers, not abstractions.
In most cases, no — brokers are compensated by the lender, not out of your pocket. You get access to more options and someone working for you without paying an extra fee. I'll always be transparent about how I'm compensated on your specific transaction.
From application to close, a typical purchase runs 21–30 days. Refinances can be faster depending on documentation. I'll set a clear timeline at the start and flag any issues well before they become problems — no surprises at the finish line.
No. I'm based in Minnesota and am a licensed MN mortgage broker, but I'm licensed in 49 states (every state except New York). Whether you're buying locally or in another state, reach out and I'll confirm coverage for your specific situation and program.
A HELOC (Home Equity Line of Credit) lets you borrow against the equity you've built in your home — up to 90% combined LTV in many cases. Think of it like a credit card secured by your house: you get a credit limit, draw what you need, pay interest only on what you use, and repay as you go. The approval process is simple and largely automated — it moves quickly. Common uses include home improvements, debt consolidation, or keeping flexible cash available without touching your first mortgage rate.
Have a question that's not here? Just ask.
📞 Call 763-373-9360One call is all it takes to know exactly where you stand — programs, rates, down payment, timeline. No pitch.