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Home Mortgage Lenders Offering ITIN Mortgages, Refinancing and More

Mortgage Lenders in MN and SD

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Homeownership should be an option for everyone. At Sunrise Banks, our mortgage lenders will help you every step of the way on your journey toward owning a home in Minnesota or South Dakota. It’s our goal to make purchase and refinance mortgages accessible and affordable for anyone living in the communities we serve.1 To help make homeownership possible, we offer solutions like lender credits to assist with closing costs and down payment assistance.

Through September 30, 2025, get $500 off of closing costs on your mortgage loan!

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$500 off Closing Costs offer is valid for applications submitted for Conventional first lien purchase money transactions. This offer excludes FHA and VA loans and Home Equity Lines of Credit transactions. The $500 off Closing Costs will be applied at the time of loan closing as a Lender Credit. Loan applications must be submitted by September 30, 2025. Loan must close within 120 days of application date. All loans and lines of credit are subject to credit approval and compliance with underwriting standards.

Mortgage Relationship Incentive Program

In addition to your new home mortgage loan3, open a new Sunrise Banks personal checking account to get a 0.125% discount on your interest rate and $250 off your closing costs.

Sunrise Banks has a variety of checking accounts to meet your banking needs. Our Personal Bankers can help you decide on an account that is right for you.

Borrowers who qualify for the Mortgage Relationship Incentive Program are eligible to receive a discount on their interest rate and closing costs based on the following criteria

  • Set up automatic loan payments for your new mortgage loan from your new checking account with Sunrise Banks.
  • Get a 0.125% discount on your interest rate and $250 off your closing costs with a qualifying Mortgage Relationship Incentive Program.
  • All new or existing customers qualifying for a mortgage loan are eligible to participate.
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Types of Mortgage Loans

Every homebuyer’s journey is different, but everyone has some things in common. They want a bank that offers what they need, like loans for individuals with ITINs, mortgage down payment and closing cost assistance, accessible low rates from a trustworthy lender and more. The mortgage lenders at Sunrise Banks take the time to get to know you and learn your goals in order to find the best home loan option for your needs, whatever they may be.

Loan TypeBenefits IncludeThings to Consider

Pathway2Home ITIN® Mortgage

  • Can be used by people with ITINs
  • Down payment and grant programs can be used to help offset costs
  • The seller can pay your closing costs
  • A gift from a family member can be used for closing costs
  • Lender credits1 may be available to help minimize closing costs
  • You can buy down the interest rate
  • 10% down payment required
  • Homebuyer education course required

Pathway2Home® 10/1 ARM

  • Can be used by people with ITINs
  • Lower beginning interest rate for qualifying homebuyers that may increase over time
  • Down payment and grant programs can be used to help offset costs
  • The seller can pay your closing costs
  • A gift from a family member can be used for closing costs
  • You can buy down the interest rate
  • Lender credits1 may be available to help minimize closing costs
  • A 10% down payment is required
  • ITIN Mortgage loans require a homebuyer education course
  • 10/1 ARM interest rates are annually adjusted after the first ten years of fixed interest

HomeReady™ Mortgage

  • 3% down payment
  • The seller can pay your closing costs
  • A gift from a family member can be used for closing costs.
  • Grants and lender credits1 may be available to help minimize closing costs
  • Homebuyer education course required

Fixed-rate Mortgage

  • Predictable monthly principal and interest payments
  • Protection from rising interest rates
  • The seller can pay your closing costs
  • Down payment and grant programs can be used to help offset costs
  • A gift from a family member can be used for closing costs
  • Grants and lender credits1 may be available to help minimize closing costs
  • Overall interest payments will be higher on longer-term loans than on shorter-term loans
  • Principal payments on shorter-term loans are usually higher than on longer-term loans
  • With fixed-rate Minnesota and South Dakota mortgage loans, your interest rates and monthly payments remain the same throughout the lifespan of your loan

Minnesota Housing Finance Agency (MHFA) Mortgage

  • The sellers can pay a portion of closing costs (minimum $1,000 investment)
  • A gift from a family member can be used for closing costs. MHFA down payment support options are available
  • Lender credits1 may be available to help minimize closing costs

Adjustable-Rate Mortgage (ARM)

  • ARMs typically have a lower initial interest rate than fixed mortgages
  • The interest rate cap limits the maximum amount your payments can increase during the lifespan of the loan
  • Provides flexibility for those expecting future income growth or borrowers who are likely to move or refinance within a few years of their purchase
  • Loans up to $1.2 million
  • Monthly payments can increase when the interest rate adjusts
  • Monthly payments can change every six months after the initial fixed payment period

Investment Property Mortgage

  • Predictable monthly principal and interest payments
  • Protection from rising interest rates
  • Available for investment properties with up to four units
  • Lower loan-to-value than a traditional mortgage2 may be available
  • These Minnesota and South Dakota mortgage loans are designed for investment properties only and are not available for owner-occupied properties

Mortgage Loan and Refinancing Resources

Are you looking for more information on our mortgages in Minnesota and South Dakota? Do you have concerns or curiosities about the homebuying process? Browse our resource center for the answers to your questions.

Meet the Sunrise Banks Mortgage Lenders

Our mortgage lenders are here to assist you in your journey and help make your dream of owning your home a more affordable reality. Learn more about who you’ll be working with at Sunrise Banks:

Chuck Meier

SVP, Director Mortgage Sales

Headshot of Chuck Meier

Andrea Altamirano

VP - Mortgage Program Loan Manager

Headshot of Andrea Altamirano Fatland

Rocio Gomez

Mortgage Loan Officer

Headshot of Rocio Gomez

Jillian Rothenberger

Mortgage Lender

Headshot of Jill Rothenberger

Rick Vazquez

Mortgage Loan Officer

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Roland Henning

Mortgage Loan Officer

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  1. Contact your mortgage loan officer for more information, restrictions apply.

  2. Maximum available loan-to-value (LTV) is based on number of units in the investment property. 1 unit properties have up to 80% LTV, 2-4 unit properties have up to 75% LTV. Qualifications apply, contact us for more information.

  3. This incentive is for new home mortgage loans including purchases and refinances that are originated by 12/31/2025. Minnesota Housing Finance Agency (MHFA), FHA, or VA mortgage loans are not eligible for the incentive.

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