Buying a Home
Find the right mortgage program for your needs.
Mortgage Loans
Home Financing Built Around Your Story
Whether you're buying your first home, upgrading to fit a growing family, refinancing an existing mortgage, or financing renovations, our mortgage team can help you find a solution that fits your goals—not force you into a one-size-fits-all program.
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Competitive Rates
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Low Closing Costs
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Local Decision Making
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Experienced Mortgage Team
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Multiple Loan Programs
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Personalized Guidance
How Can We Help?
Refinancing
Lower payments, adjust loan terms, or access equity.
Renovating
Finance home improvements and renovation projects.
Home Equity
Use your home's equity to fund future plans.
Buying a Home
Whether you're purchasing your first home, upgrading, downsizing, or relocating, we offer mortgage solutions designed to fit a variety of situations and financial goals.
Loan Options Include:
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Conventional Loans
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FHA Loans
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VA Loans
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USDA Rural Development Loans
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Jumbo Loans
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Manufactured Home Financing
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My Community Mortgage Programs
Not sure which option is right for you? Our mortgage lenders can help you compare programs and identify the best fit for your situation.
Mortgage Refinancing
Refinancing may help reduce borrowing costs, improve monthly cash flow, shorten your loan term, or provide access to home equity. Our team can help determine whether refinancing aligns with your financial goals.
Common Reasons to Refinance:
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Lower Interest Rate
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Lower Monthly Payments
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Shorten Loan Term
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Consolidate Debt
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Combine Existing Mortgages
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Access Home Equity
Renovation & Home Improvement Financing
Whether you're updating a kitchen, finishing a basement, replacing a roof, or tackling a larger renovation project, we offer financing solutions to help bring your plans to life.
Options Include:
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Renovation Loans
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Home Equity Lines of Credit (HELOCs)
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Minnesota Housing Fix-Up Program
Joanne R. Bliese
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Buying a home is personal, and your mortgage experience should be too. Our mortgage lenders provide local decision-making, personalized guidance, and responsive service from application to closing.
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Your budget depends on factors such as income, debts, down payment, interest rates, and financial goals. Our Mortgage Affordability Calculator is a great place to start.
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Minimum credit requirements vary by loan program. Our lenders can help determine what options may be available based on your situation.
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Down payment requirements vary. Some programs may require significantly less than 20%.
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Getting pre-approved can help you understand your budget and strengthen your position when making an offer on a home.
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Refinancing may be beneficial if it lowers your interest rate, reduces monthly payments, shortens your loan term, or helps achieve other financial goals.
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Commonly requested documents include income verification, tax returns, asset information, and identification.
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Our lending decisions are made locally by people who take the time to understand your situation. That means responsive service, faster decisions, and lending solutions tailored to your goals.
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Yes. You can begin your mortgage application online and work with our lending team throughout the process.
Mortgage Planning Tools
Mortgage Affordability Calculator - Estimate how much home may fit your budget.
Mortgage Payment Calculator - Estimate monthly mortgage payments.
Mortgage Refinance Calculator - Compare refinance scenarios and potential savings.
Mortgage Application Checklist - Prepare documentation before applying.
If you'd prefer to complete a paper application, you may download one here:
Section One: Printable Mortgage Application >>Section Two: Printable Mortgage Application Additional Borrower (if applicable) >>