Minnesota Mortgage Broker
Independent home loans for Twin Cities buyers and Minnesota homeowners — wholesale rates, hometown service.
Whether you're buying your first home in the Twin Cities, refinancing a lake place up north, or moving up in the south metro, I shop a national network of wholesale lenders to find the right Minnesota mortgage for your situation.
Minnesota loan programs I write
Fannie Mae / Freddie Mac conforming loans for primary, second, and investment properties across Minnesota.
Low down payment options for Twin Cities first-time buyers and borrowers rebuilding credit.
$0-down VA financing for active-duty service members and veterans across the state.
Financing above conforming limits for higher-value homes in Edina, Wayzata, Lake Minnetonka and beyond.
Lower your rate, drop PMI, consolidate debt, or tap equity for renovations and education.
HECM reverse mortgages for Minnesota homeowners 62+ who want to convert equity into tax-free funds.
Cities & communities I serve in Minnesota
- Minneapolis
- St. Paul
- Chaska
- Chanhassen
- Eden Prairie
- Minnetonka
- Edina
- Bloomington
- Plymouth
- Maple Grove
- Woodbury
- Rochester
- Duluth
- St. Cloud
Don't see your town? I'm licensed statewide in Minnesota — call or apply and we'll go from there.
What to know about the Minnesota market
- Twin Cities median home prices stay competitive with national averages, making jumbo and conforming both relevant.
- Many Minnesota buyers benefit from MHFA down payment assistance — I'll flag eligibility during pre-approval.
- Cold-weather closing? I coordinate appraisal and final walkthrough timing so winter doesn't slow you down.
Minnesota mortgage FAQ
Yes. I'm licensed across Minnesota — from Duluth and the Iron Range to Rochester and the southern border. Most of the process happens electronically, so location within the state doesn't change the timeline.
Most purchase loans close in 21–30 days from a complete application. Refinances are typically 25–35 days. I'll give you a realistic timeline up front based on your file and the lender we choose.
Yes — I'm licensed in Minnesota under NMLS# 1996062 through American Mortgage Brokers.
Ready to get a Minnesota mortgage quote?
One quick application, multiple lenders shopped, one broker advocating for you start to close.