Business Details
Your Trusted Mortgage Partner in Bloomington MN
At MinnTrust Mortgage, we are dedicated to redefining excellence in the mortgage industry through unwavering commitment to client-centric service. Our team of seasoned professionals prioritizes personalized guidance, ensuring clients navigate the home loan process with confidence and clarity. With decades of combined experience in residential lending, we specialize in curating mortgage solutions tailored to individual financial goals. Our approach emphasizes transparency, ethical practices, and continuous support throughout the homeownership journey.We pride ourselves on fostering long-term relationships, evidenced by our 98% client retention rate and numerous referrals. Our expertise spans conventional, government-backed, and specialized loan programs, enabling us to serve diverse client needs across multiple states. By maintaining rigorous compliance standards and leveraging advanced lending technologies, we deliver efficient, secure, and reliable mortgage services that meet evolving market demands.
Services
Conventional Loans
FHA Loans
VA Loans
USDA Loans
Jumbo Loans
Reverse Mortgage
DSCR Loans
Non-QM Loans
Refinance Loans
Commercial Loans
Highlights and features
- Our team consists of certified mortgage professionals with extensive industry experience.
- We offer a comprehensive range of loan programs to suit diverse financial situations.
- Our personalized loan guidance ensures clients understand all available options.
- Licensed professionals operate across multiple states for expanded service coverage.
- We maintain rigorous compliance standards for secure and transparent transactions.
What people say
Excellent service
Knowledgeable staff
Smooth process
Professional and kind
Highly recommend
Services
Conventional Loans
Conventional fixed-rate mortgages offer stable interest rates and predictable payments for qualified borrowers. Ideal for those with strong credit histories and down payments of at least 5-20%. Available in 15, 20, or 30-year terms with competitive rates.
FHA Loans
FHA-insured mortgages provide accessible homeownership for low-to-moderate income borrowers. Require only 3.5% down payment with flexible credit requirements. Popular among first-time homebuyers seeking affordable financing options.
VA Loans
Department of Veterans Affairs loans offer zero down payment options for eligible military personnel and veterans. Feature competitive rates and lenient qualification standards to support service members' homeownership goals.
USDA Loans
USDA-guaranteed mortgages enable zero-down home purchases in eligible rural areas. Designed for moderate-income families seeking affordable financing in qualifying locations with competitive interest rates.
Refinance Loans
Refinancing options help homeowners lower monthly payments or access equity. Available as rate-and-term or cash-out refinances. Requires property appraisal and updated financial documentation for approval.
People
Jill Brown
President
President Jill Brown leads MinnTrust Mortgage with 25+ years of mortgage industry expertise. NMLS #346160, she specializes in strategic loan solutions and has guided thousands of clients through successful home purchases.
Michael Shane Henne
VP of Human Resources
Michael Shane Henne combines HR leadership with mortgage origination expertise. Licensed in Florida and Minnesota, he brings 18 years of experience in mortgage financing and team development to client service.
Joshua Isaboke
Mortgage Loan Originator
Award-winning loan officer Joshua Isaboke holds multiple advanced degrees in business. Recognized for exceptional client service, he specializes in complex loan scenarios and first-time homebuyer programs.
Sheila Heston
Mortgage Loan Originator
Sheila Heston combines financial expertise with personalized service. With 15 years in mortgage lending, she focuses on first-time homebuyer programs and community development initiatives in Plymouth.
James A Gremore
Mortgage Loan Originator
James A Gremore specializes in refinance solutions and investment property financing. With 12 years of experience, he provides tailored mortgage strategies for clients in Minnesota and Wisconsin markets.
Questions
What mortgage loan types do you offer?
We provide conventional, FHA, VA, USDA, jumbo, reverse, DSCR, non-QM, refinance, and commercial loans to meet diverse client needs.
How do I start the mortgage application process?
Begin with pre-qualification, then complete our online application with required documents including income verification and property details.
What credit score is required for mortgage approval?
Minimum scores vary by loan type: conventional (620+), FHA (580+), VA (no minimum), USDA (640+), with flexible options available.
How long does mortgage approval take?
Typical processing takes 14-21 business days, with automated underwriting systems expediting approvals for qualified applicants.
Do you offer mortgage services for first-time homebuyers?
Yes, we specialize in first-time buyer programs with down payment assistance and flexible qualification requirements.