St. Croix Home Loans is a locally owned and operated mortgage company based out of Stillwater, Minnesota. Our business model is to make the mortgage finance process clear, understandable and less cumbersome for our customers while yielding lower interest rates with more flexibility. As a Minnesota mortgage broker, we act as a middleman between you and potential lenders.
Our job is to work on your behalf with multiple banks to find the best mortgage lenders who best fit your needs with the lowest rates. We have extensive experience financing a variety of Minnesota home loans, including conventional mortgages, FHA mortgages, reverse mortgages, jumbo loans, VA loans and USDA mortgages.
Our job is to work on your behalf with multiple banks to find the best mortgage lenders who best fit your needs with the lowest rates. We have extensive experience financing a variety of Minnesota home loans, including conventional mortgages, FHA mortgages, reverse mortgages, jumbo loans, VA loans and USDA mortgages.
Services
Save time and avoid delays by having the following information available when it comes time to submit paperwork. Copy of Purchase Sales contract or Offer to Purchase and all addenda (signed by buyer and seller). If you are NOT a US citizen, provide a copy of your Green Card (front & back), if you are NOT a permanent resident provide a copy of your H-1 or L-1 Visa.
A standardized method of calculating mortgage cost, at a yearly rate, which includes mortgage interest, mortgage insurance and mortgage points associated with the loan. A Balloon Mortgage loan offers lower monthly payments for a specific period of time, which usually between three and ten years. After that time period is over, borrowers pay off the principal balance in a single lump sum, or balloon payment.
St. Croix Home Loans is a Minnesota mortgage broker, which means we work with dozens of Minnesota mortgage lenders. Our job is to present your application to multiple lenders and present you with the optimal loan with the most competitive rate available. We've brokered many types of mortgages, from conventional, FHA, VA and USDA to Jumbo and Reverse mortgages.
It's not uncommon for consumers to be confused about the term "mortgage broker", it's often confused or directly associated with a "mortgage lender". The traditional mortgage landscape has been for banks and other lenders to sell their own loan products. As markets for mortgages have become more competitive, however, the demand for Minnesota mortgage brokers has increased.
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