GUARANTEED LOWEST RATE AND COST COMBINATION plus UP-FRONT Mortgage Lender SATISFACTION GUARANTEE Do you want the lowest possible rate and cost combination for your mortgage loan, but are tired of trying to compare the fine print and determine the bottom-line differences between the quotes made by the various lenders? I will guarantee you the lowest bottom-line rate and closing cost combination on your conventional fixed rate mortgage. It is that simple. We want you to make an informed choice when selecting a lender. Full details That's why we have an Up-Front Price Promise. It's our commitment to help you know where you stand from the beginning. We want your experience of selecting and obtaining a mortgage to be as simple and hassle-free as possible - with no unpleasant surprises. That's why we make the following promises to you: You'll get an accurate rate and cost quote up front - and we will provide you with the following: * Real time decision on your loan request * A written Good Faith Estimate  * Guaranteed in writing closing cost Upon receiving a credit approval, you can lock in your interest rate, discount points, and we will Guarantee the costs. Because we are a direct lender, we handle the entire loan process from approval to closing. That means we can usually approve you within minutes without any middlemen. While we have a web site, we are NOT an online lender. You'll receive the personal attention of a dedicated, highly skilled, and experienced Senior Loan Officer who will serve you during the entire process and provide you with proactive automated loan status reports which are also easily accessible online 24/7. Full details

I know you have options and understand the importance of securing the very best rate and lowest closing costs for you and your family. I do not take that obligation lightly and will work hard to prove the value in having a long term relationship with myself and my team.

We are committed to helping you make a truly informed mortgage decision. Our advice goes way beyond just quoting rates and fees. We provide you with a complete analysis of your mortgage debt picture through analysis and reports. Most people don't understand the life changing differences between different loan programs.  We do...  Learn More

We offer you; Competitive Rates, Lower Closing Costs, Free Good Faith Estimate, and Guaranteed Closing Costs! No one can do what we do!

As a Direct Mortgage Lender, our combination of loan programs, rates, and services are unsurpassed in the marketplace.  Get the personalized home mortgage loan experience you expect. Purchase, Refinance, Jumbo, Conventional, FHA, VA, zero down, first time buyer, bad credit, commercial loans, reverse mortgages, condo, town house, and more.   

What ever your situation, We've seen it before... and we can handle it!

I have closed thousands of loans in my career. That's a lot! Those customers contributed to our continuing success because they know WE GOT THEM A BETTER DEAL! 

We can do the same for you! We lend primarily in Minnesota, Wisconsin, and Florida. But we can do loans in all 50 states. So if you are in need of financing, we can help you get the lowest cost mortgage of anyone on your area, saving you thousands of dollars!

We keep it simple! Slick advertising is not our game. We are a popular site on the Internet and it's not just because of our LOW rates. Its because we offer the whole package! We provides fully automated processing, with all of the latest instant approval systems. We even give you instant Email notification for each step of your loan! 

Honesty and integrity are the two most important things to find in a lender. Find an honest person and everything else will work out alright. I am proud to be a member of "Upfront Mortgage Broker ®" group.