Everyone's story is different.
Because your story is unique, your lending needs are too. Being locally-owned and family-owned, we can make fast, flexible lending decisions. Rather than trying to cram your story into a box, we celebrate your uniqueness and look for creative ways to get you HOME.
Meet Our Team
 Jackie L. Holte Sr. Vice President Residential Lender NMLS ID: 554269 |  Jerome J. Duevel Vice President Residential Lender NMLS ID: 709742 |  Joanne R. Bliese Sr. Vice President Residential Lender NMLS ID: 490802 |  Mike Mohr Vice President Residential Lender NMLS ID: 408365 |  Tim R. Olson Vice President Residential Lender NMLS ID: 422589 |
Purchasing
If you're looking to purchase a new home, you can take advantage of our competitive rates, low closing costs, and wide variety of Loan Programs!
- Conventional
- Purchase options for your new home with less than 20% down and NO Mortgage Insurance for Conventional loans.
- Rural Development (USDA)
- Veteran’s Administration (VA)
- Federal Housing Administration (FHA)
- Manufactured Homes
- Jumbo Loans
- My Community Mortgage
- ... and more!
Not sure which Loan Program is right for you? Don't worry; we'll help you find the best solution for YOU!
Refinancing
Refinancing your existing mortgage could be very worthwhile! If you're considering refinancing, you may benefit from one (or more) of the following:
- Better interest rate
- Lower monthly payments
- Stabilized costs
- Shorten loan term
- Combine mortgages
- Consolidate other debt
- 80% Loan-to-value (ltv) 1st Mortgage with a Piggyback 2nd Mortgage
We would love the opportunity to discuss a refinance with you! Our competitive rates, low closing costs, and experienced team won't leave you disappointed!
Renovating
No different than anything else, our homes need love and attention. Sometimes this calls for a renovation--big or small! We have a few ways to help fund your project:
- Renovation Loans
- Minnesota Housing Fix-Up Program
- Home Equity Lines of Credit (HELOC)
With our competitive rates, you don't have to wait until you can fund 100% of your project! Get started soon!
If you'd prefer to complete a paper application, you may download one here:
Helpful Application Tools:
Mortgage Affordability Calculator - Determine how much you might qualify for!
Mortgage Payment Calculator - Find out how much your monthly payment will be!