Local Home Mortgage Lenders in Minnesota
Buying, building, or borrowing against your home, with eight NMLS registered lenders you can call directly.
Buying a home, building one, or putting the equity in yours to work starts with a conversation. Every lender below is a Security Bank & Trust Co. banker with an NMLS registration, and any of them can start that conversation with you.
Meet our NMLS registered lenders
Call or email any of them directly. Each card shows the lender's direct line and home office, and each name links to that lender's full bio. You can also use the form at the bottom of this page and tell us who you would like to talk with.
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What can our home lenders help you finance?
Most of what our neighbors come in for falls into one of these. Your lender will help you land on the right one, and there is no obligation in a first conversation.
Home Mortgages
A first mortgage is the loan you take out to buy your home, a cabin, or a second home, or to refinance the one you have. Your loan is underwritten by people who know the Minnesota markets we serve.
- Conventional fixed rate mortgages
- Jumbo and specialty mortgages
- Prequalification before you make an offer
Construction and Bridge Loans
From buying the lot to moving in. We finance new construction and remodels across the communities we serve, from Glencoe and the rest of McLeod County to Lake Minnetonka, Wayzata, Eden Prairie and Isanti, and we work to minimize duplicate closing costs between the construction loan and your permanent mortgage.
- Lot acquisition and new home construction, including jumbo construction
- Teardown and rebuild, and remodeling construction loans
- Bridge loans when your build depends on selling your current home
Home Equity Loans and Lines
Put the equity in your home to work for a remodel, a down payment, or consolidating other debt. A home equity loan gives you a set amount once. A line of credit lets you draw and repay as you go.
- Amount based on available equity in your home
- Fixed payments on a loan, interest only on a line
- Common uses include remodeling and consolidating debt
Not sure whether you need a mortgage, a construction loan, or a home equity line? That is the conversation our lenders like having.
Start the ConversationHow does the mortgage process start?
- Talk with a lender. Call, stop in, or send a note. Your lender works through your plans, your budget, and your timeline with you.
- Get prequalified. A prequalification shows how much you can afford, and why, before you make an offer or sign with a builder.
- Apply and document. Your lender tells you what applies to your situation and walks the file through underwriting.
- Close. Your lender guides you through closing day and remains your contact at the bank.
What to bring to your first conversation
Have these ready for your lender
- Employment status and documentation of your sources of income
- Your mailing and physical addresses
- Contact information for you and any co-borrower
Your lender will tell you if anything else applies. When in doubt, reach out first and bring what you have.
Where our lenders work
We have 21 offices across 18 Minnesota communities. Stop in at any of them and ask for a lender.
- McLeod County: Glencoe, Winsted, Brownton and Plato
- Carver County: Waconia, Chaska, Cologne, Hamburg, Mayer and New Germany
- Hennepin County: Minnetonka, Eden Prairie and Wayzata
- Isanti County: Cambridge and Isanti
- Anoka and Ramsey counties: Ramsey and North Oaks
- Sibley County: New Auburn
See every branch, with hours and directions
Common questions about our home mortgage lenders
How do I reach a home mortgage lender at Security Bank & Trust Co.?
Call or email a lender directly. Every lender on this page is listed with a direct phone number and home office. You can also call 320-864-3171, stop in at any of our 21 offices, or use the form on this page and tell us who you would like to talk with.
Are your mortgage lenders NMLS registered?
Yes. Each lender on this page is listed with their individual NMLS number, and Security Bank & Trust Co. is NMLS #415819. You can look up any of them on NMLS Consumer Access, the public registry at nmlsconsumeraccess.org.
What types of home loans do you offer?
We offer conventional fixed rate, jumbo and specialty mortgages for buying or refinancing a home, a cabin, or a second home. We also offer lot, construction, remodeling and bridge loans, and home equity loans and lines of credit. Your lender will help you choose the option that fits your situation.
Can I get prequalified before I make an offer?
Yes. Your lender starts with a prequalification so you understand how much you can afford, and why, before you make an offer or sign with a builder. Prequalifications put you under no obligation. They give you an estimate of what you could qualify for and help you shop for your home.
What should I bring to my first conversation with a lender?
Bring your employment status and documentation of your sources of income, your mailing and physical addresses, and contact information for you and any co-borrower. Your lender will tell you if anything else applies to your situation.
Do you finance new construction and remodeling?
Yes. We finance lot acquisition, new home construction including jumbo construction, teardown and rebuild projects, and remodels, along with bridge loans when your build depends on selling your current home. We work to minimize duplicate closing costs between the construction loan and your permanent mortgage.
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Let's find your home together
Tell us what you are planning and which lender you would like to talk with, and they will follow up. Rather talk now? Call any lender above, or 320-864-3171.