Mortgage Lending Experts That Live By The Motto, “How Can We Say Yes?”
Whether it’s buying a plot of land, building a home from the ground up, or remodeling your existing home, our mortgage lenders are committed to working with you to find a way to say yes to a new mortgage loan.
The Run Down On The Most Common Mortgage Loan Types
Fixed Rate Mortgage
What is a fixed rate mortgage?
Fixed rate mortgages are loans where the interest rate is locked in and does not change during the life of your home loan.
- You plan to stay in your home for 10+ years
- You prefer fixed, consistent payments for the life of your home loan
Adjustable Rate Mortgage
What is an adjustable rate mortgage?
Adjustable rate mortgages (ARMs) are loans where the interest rate is periodically recalculated and can move up or down during the life of the home loan.
- You plan to move before 10 years
- You prefer low monthly payments at the beginning of your loan
The Rates You Can Get Today
|Program Name||Rates as of||Points||APR|
|30 Year Fixed (Conforming)||Please call for rates||0.00%||call for rates|
|20 Year Fixed (Conforming)||Please call for rates||0.00%||call for rates|
|15 Year Fixed (Conforming)||Please call for rates||0.00%||call for rates|
|10 Year Fixed (Conforming)||Please call for rates||0.00%||call for rates|
Rates are subject to change without notice. Rates based on a conforming conventional rate-term mortgage with 20% cash down payment. APR rate(s) are based on a $100,000 loan balance – i.e. a typical borrower request for a $100,000 loan would have a minimum monthly P&I payment based on the term and loan type selected; in addition, borrowers will be required to pay monthly escrow payments for the payment of property taxes and hazard insurance, which would increase the minimum monthly P&I payment. Borrower would be responsible for paying standard closing costs; amounts will differ due to individual circumstances. The term “closing costs” does not include property or flood insurance premiums, as applicable. Property insurance will be required at customer’s expense before closing. Special loan programs and/or circumstances may change the above disclosed fees and rates. APR calculations are based on the following assumptions; 30-year fixed rate conforming conventional mortgage, 80% loan-to-value or less, 1% origination fee ($1,000), Processing fee & Doc. Prep fee of $274.00, $575.00 Underwriting fee, $8.00 MERS registration fee. All terms subject to income, program qualifications, and final credit and collateral approval. Rates are subject to change without notice. This is not an offer to lend. Any such offer may only be pursuant to Minn. Sts. 47.206, sub 3&4.
Ways You Can Use Your Mortgage Loan
Existing Home Purchase
Interested in buying an existing home? Our home loan experts will handle the tough stuff while you focus on finding and making your new home your own.
New Construction Home
If you’re building a new home our mortgage lending experts are here to walk you through every step of the way, from planning the master bedroom suite to the last nail.
Mortgage loans don’t have to be for homes, you can also use a home loan for buying plots of land for recreational sports such as hunting, snowmobiling, ATV riding, and more.
Every borrower has a unique situation that’s why we offer bridge financing which lets you take a short-term loan against your current property so you can finance the purchase of your new property.
What You Should Expect When Getting Your Mortgage Loan With Us
Service You’ll Love
As a borrower with us you will be connected with a home lending expert who is responsible for walking you through the entire home buying process from start to finish.
No Surprise Fees
Not all surprises are good, that’s why our personal lenders make sure you fully understand your payment schedule before letting you sign your loan.
When you’re looking to get a personal loan, timing is everything. Because we make our personal loan decisions locally we get you get the answers you need exactly when you need them.
Meet The Mortgage Lenders Dedicated To Providing You With Extraordinary Service
Jim Eiynck, NMLS# 412732
Jim is a licensed MN Real Estate Broker and has 20+ years experience in everything from Building & Construction, to Drafting & Estimating Degrees in his background.
Amy Statz, NMLS# 412733
Amy has 15 years of Mortgage Lending experience and enjoys working with borrowers who want to purchase a home, refinance, build or remodel.
You’re Only 3 Easy Steps From Getting Approved For Your Mortgage Loan In As Quickly As 3 Days
Ready to Get Started?
STEP 1. Start with a no-pressure conversation
When you reach out to us you will be paired with a dedicated mortgage lending expert and the first conversation is only focused on getting to know you and your borrowing needs. Nothing else.
STEP 2. Apply online, in-person, or by phone
We know your life is busy that’s why we offer 3 convenient ways to apply for a mortgage loan. Regardless of how you apply, if you have questions at any point during the process our mortgage lenders are happy to help.
STEP 3. We analyze your credit history and financial health and get you a quick decision
For you, the hard work is done. For us, we’re just getting started. We analyze your financial health and credit history to build the best mortgage loan for your situation.
Schedule A Call Back When It's Convenient For You
Enter your info below to set up a time to talk with one of the home equity experts at Granite Bank.