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Mortgage Lender & Refinancer in Minnesota

Minnesota Mortgage

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Homeownership should be an option for everyone. The Minnesota mortgage lenders at Sunrise Banks offer a variety of loan solutions to meet your specific needs that make buying a home possible. Our home lending options include lender credits to help with closing costs and down payment assistance. It’s our goal to make mortgages and mortgage refinance for Minnesota residents accessible and affordable.1

Explore Low Minnesota Mortgage Rates

Each homebuyer’s journey is different, but everyone strives to find the lowest mortgage rates when buying a new home. Our mortgage lenders near you work to understand your specific needs in order to find a loan option that best aligns with your path to homeownership.

The Sunrise Banks Pathway2Home program is an ITIN loan program. Down payment and grant programs can be used to help offset costs.

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Benefits Include:

  • Seller can pay your closing costs

  • Compatible with gift from family member

  • ITIN eligible

  • Lender credits1 may be available

Things to Consider:

  • 10% down payment is required

  • ITIN Mortgage loans in MN require homebuyer education

With the fixed-rate mortgage option, your interest rates and monthly payments remain the same throughout the lifespan of your loan.

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Benefits Include:

  • Predictable monthly principal and interest payments

  • Protection from rising interest rates

Things to Consider:

  • 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 mortgage loans, your interest rates and monthly payments remain the same throughout the lifespan of your loan.

With the HomeReady™ option, you have a lower down payment requirement and can receive down payment assistance. Grant programs can also be used to help offset costs.

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Benefits Include:

  • 3% down payment

  • Seller can pay your closing costs

  • Compatible with gift from family member

  • Grants and lender credits1 may be available

Things to Consider:

  • Homebuyer education is required

The Sunrise Banks team is happy to help arrange government-backed loan opportunities for veterans and service members. Thank you for serving our country. Sunrise Banks is honored to help you with your next steps.

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Benefits Include:

  • Up to 100% financing

  • No down payment options

  • Lower credit score qualifications

Things to Consider:

  • Homebuyer education is required

MHFA loans offer low down payment options as well as down payment assistance opportunities. Contact us to find out how our Minnesota mortgage lenders can help you apply for an MHFA loan.

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Benefits:

  • 3% down payment

  • Sellers can pay a portion of closing costs (minimum $1,000 investment)

  • Compatible with gifting from family members

  • MHFA down payment options are available

  • Lender credits1 may be available

A government-backed loan opportunity to help individuals with lower incomes and cash savings make homebuying a reality.

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Benefits Include:

  • As little as 3.5% down payment

  • Lower credit score qualification

  • FHA mortgage insurance is required

  • Grants and lender credits1 may be available

Things to Consider:

  • FHA mortgage insurance is required

Get financing for an investment property with up to four units.

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Benefits Include:

  • Predictable monthly principal and interest payments

  • Protection from rising interest rates

  • Available for investment properties with up to four units

Things to Consider:

  • Lower loan-to-value than a traditional mortgage2 may be available

  • These Minnesota mortgage loans are designed for investment properties only and are not available for owner-occupied properties

With the adjustable-rate option, monthly payments are structured to remain the same for an initial, predetermined period of five or seven years. After this period, the rates adjust semiannually. These loans include an interest rate cap.

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Benefits Include:

  • 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

  • Provide flexibility for those expecting future income growth or borrowers who are likely to move or refinance within a few years of their purchase

  • Up to $1.2 million

Things to Consider:

  • Monthly payments can increase when the interest rate adjusts

  • Monthly payments can change every six months after the initial fixed payment period

Meet Sunrise Banks’ Minnesota Mortgage Lenders

Chuck Meier

SVP, Director Mortgage Sales

Chuck Meier

Andrea Altamirano

VP - Mortgage Program Loan Manager

Andrea Altamirano

Rocio Gomez

Mortgage Loan Officer

Rocio Gomez Headshot

Jillian Rothenberger

Mortgage Lender

Headshot of Jill Rothenberger.

Rick Vazquez

Mortgage Loan Officer

A headshot of Rick Vazquez

Roland Henning

Mortgage Loan Officer

A headshot of Rollie

Resources

Looking for more information on our mortgages in Minnesota? Check out the resources to learn more about the homebuying process.

Not sure where to start?

Fill out the form below and we can help guide you through the mortgage process.

  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. $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 June 30, 2024. 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.

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