The Refined Experience
Refined Lending is your trusted Mortgage partner. Whether you are looking to build new, renovate, relocate or refinance; Refined Lending has the in-house products to help you! We strive to help all clients achieve that dream of home ownership. Our convenient website www.RefinedLending.com, goes over all program details so you can make an educated decision about what’s best for you.
We have physical locations and staff throughout Minnesota, South Dakota, Oklahoma, California and Alabama!
All of our Mortgage Bankers are licensed to originate mortgages in 48 states! We are currently unable to lend in New York or Vermont.
Refined Lending is a division of Goldwater Bank N.A. The choice to work with Refined Lending will make your next move a simple, streamlined and highly rewarding experience.
Get Pre-Approved Before You Start Looking
People often make the mistake of starting a home search without knowing what they actually qualify for. Falling in love with a $400,000 home and finding out you qualify for $250,000 can be heartbreaking. Many Realtors will only show homes to clients who have been pre-approved for this very reason. Being pre-approved gives you the upper hand in negotiating on your dream home. It also allows the seller to have full confidence in your offer knowing you can afford the home.
To become pre-approved for a home loan, please fill out our online application and your Mortgage Banker will contact you immediately to discuss the details.
Refined Lending Loan Options