Business Details
Your Trusted Mortgage Broker in Minnesota
We are a full-service mortgage brokerage firm dedicated to helping clients achieve their home financing goals. With decades of combined experience, our team provides personalized loan solutions tailored to individual financial situations. We specialize in a wide range of mortgage programs, including FHA, VA, Rural Development, and Conventional Loans, ensuring access to competitive rates and flexible terms. Our commitment to transparency, integrity, and client satisfaction drives every transaction, from initial consultation to loan closing. We prioritize regular communication, offering progress updates to keep clients informed throughout the lending process.As a locally rooted business, we understand the unique needs of Minnesota homebuyers and refinancers. Our expertise extends beyond traditional banks, with access to diverse loan sources and specialized programs for first-time buyers, veterans, and low-income families. We pride ourselves on prompt, professional service, whether you're purchasing a home or refinancing an existing mortgage. Our team treats every client with respect, aiming to make home financing a seamless and positive experience.
Services
FHA Loans
VA Loans
Rural Development Loans
Conventional Loans
Refinancing
Home Purchase Loans
Mortgage Pre-Approval
Mortgage Insurance Guidance
Loan Processing
Credit Counseling
Highlights and features
- We offer over 30 years of combined mortgage expertise.
- Our team provides personalized loan solutions tailored to your financial situation.
- We prioritize transparency and honest home financing.
- Our extensive loan portfolio offers options beyond traditional banks.
- We deliver prompt, professional loan processing with regular client updates.
Services
FHA Loans
FHA Loans are mortgage options insured by the Federal Housing Administration, designed for borrowers with lower down payments. They allow financing with as little as 3.5% down, ideal for first-time homebuyers or those with past credit issues. Our team guides clients through FHA loan benefits, including easier credit qualifying and seller contributions for closing costs.
VA Loans
VA Loans provide 100% financing for eligible veterans, service members, and surviving spouses without requiring monthly mortgage insurance. These loans offer competitive rates, no prepayment penalties, and flexible qualifying standards. We assist clients with VA loan applications, including disability benefits and refinancing options.
Rural Development Loans
Rural Development Loans offer 100% financing for low- to moderate-income families in USDA-designated rural areas. These loans feature lower credit score requirements, reduced mortgage insurance, and seller contributions for closing costs. We help clients navigate eligibility criteria and property requirements for these programs.
Conventional Loans
Conventional Loans are mortgage options not backed by government insurance, ideal for borrowers with strong credit and stable income. They offer flexible terms, including fixed and adjustable-rate options, with competitive rates for those with 20% down or more. We assist with conventional loan applications and mortgage insurance requirements.
Refinancing
Refinancing allows homeowners to lower monthly payments, reduce loan terms, or access equity for debt consolidation. We offer streamlined VA and FHA refinancing options, along with conventional refinancing, to help clients achieve financial goals through improved loan terms.
People
Jared Williamson
Mortgage Loan Originator
Jared Williamson, a Mortgage Loan Originator since 2018, graduated from the University of Jamestown. He focuses on personalized service, helping clients achieve homeownership while balancing family life and outdoor activities.
Maribeth Williamson
Mortgage Loan Originator
Maribeth Williamson, with 35+ years in mortgage lending since 1986, specializes in client-focused financing solutions. She prioritizes family values and enjoys outdoor activities, bringing a personal touch to every client interaction.
Michael Williamson
Mortgage Loan Originator
Michael Williamson, originating loans since 1991, combines experience with a client-first approach. Formerly a Liberty Tax owner, he enjoys outdoor recreation and leverages his expertise to guide clients through complex mortgage processes.
Questions
What loan programs do you offer?
We offer FHA, VA, Rural Development, and Conventional Loans tailored to your financial situation, including options for first-time buyers, veterans, and low-income families.
How does mortgage pre-approval work?
Pre-approval involves credit checks and income verification to determine your loan eligibility. We can often complete this process within minutes of receiving your application.
What are the down payment requirements?
Down payment needs vary by loan type. Some programs require no down payment, while others, like FHA Loans, start at 3.5% of the sale price.
Do you offer refinancing options?
Yes, we provide refinancing solutions to lower payments, reduce loan terms, or access home equity, including streamlined VA and FHA refinancing programs.
What is mortgage insurance?
Mortgage insurance is required for conventional loans with less than 20% down and for FHA/RD loans. VA Loans do not require monthly mortgage insurance premiums.
What credit score is needed for a loan?
Most programs require a minimum middle credit score of 640, though we offer options for borrowers with lower scores or past financial challenges.