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Personal Banking

Minnesota Mortgage

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Homeownership should be an option for everyone. Sunrise’s mortgage lenders near you in Minnesota offer a variety of loan solutions to meet your specific needs, including lender credits to help with closing costs and down payment assistance. It’s our goal to make mortgages 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 their new Minnesota homes. 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 Open Door program is an ITIN mortgage lender program. Down payment and grant programs can be used to help offset costs.

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

  • Homebuyer education is required

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

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 shorter-term loans

  • Principal payments on shorter-term loans are usually higher than longer-term loans

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.

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

Government-backed loan opportunity for veterans and service members. Thank you for serving our country, and welcome to your new home!

Benefits Include:

  • Up to 100% financing

  • No down payment options

  • Lower credit score qualifications

Things to Consider:

  • Homebuyer education is required

The MHFA loan offers a low down payment option as well as grant and lending credit opportunities.

Benefits:

  • 3% down payment

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

  • Compatible with gift from family member

  • MHFA down payment options available

  • Grants and lender credits1 may be available

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

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

With the adjustable-rate option, monthly payments are structured to remain the same for an initial, predetermined period of five, seven, or 10 years. After this period, the rates adjust annually. These loans include an interest rate cap.

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

Things to Consider:

  • Monthly payments can increase when the interest rate adjusts

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

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

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

  • Not available for owner occupied properties

Searching for a home in Dakota County, MN? This loan program can help you open the door to your new home.

Benefits Include:

  • Up to $8,500 down payment assistance available

  • Reduced private mortgage insurance options

Things to Consider:

  • Specifically for home purchases in Dakota County, Minnesota

Meet the Mortgage Team

Chuck Meier

SVP, Director Mortgage Sales

Chuck Meier

Fernando S. Urbina

VP, Mortgage Loans

Fernando S. Urbina

Coreen M. Ricci

VP, Mortgage Loans

Coreen M. Ricci

Andrea Altamirano

VP, Mortgage Loan Officer

Andrea Altamirano

Jeff Stensland

AVP, Mortgage Loan Officer

Jeff Stensland
  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.

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