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build, buy or refi?

Refined Lending is your local mortgage lender that provides you with more than just a mortgage. Get started today by clicking one of the buttons below!

The Refined Experience

Refined Lending is your trusted Mortgage partner in Blaine, Coon Rapids, Edina, Minneapolis, Burnsville, Baxter/Brainerd Lakes area and Aberdeen, South Dakota!  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.  As your local lender, we have physical locations throughout the Twin Cities, Brainerd Lakes area and South Dakota. All of our Mortgage Bankers are licensed to originate mortgages in 48 states!

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.

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Refined Lending Loan Options

Conventional & New Construction

A Conventional Construction to Permanent loan is specifically used to finance the construction of the borrower’s new home and permanent mortgage all into one single transaction with the closing.

VA Home Loan

Are you are a veteran, member of the military or military spouse? You may qualify for a VA loan.

FHA Home Loan & One Time Close Construction

An FHA Construction to Permanent loan is specifically used to finance the construction of the borrower’s new home and permanent mortgage all into one single transaction with one closing.

Jumbo Homes Loans

When a loan amount reaches a certain point, Jumbo and Super Jumbo Loans can offer high-end financing that a traditional loan can’t.

Client Testimonials

Mike, Jessica, Cari and Cindi did and outstanding job on our refi. We had unforeseen roadblocks pop up from past events where things where not done properly. The team worked through the roadblocks and where able to accomplish everything that we needed! We are now in a full remodel of…Read More

Paul
Rating: 6

It was an absolute pleasure working with Jim Palmer on my home refinancing. Jim was easy to communicate with, was thorough and answered all my questions in a professional and timely manner. Jim worked incredibly hard to make my refinancing experience as easy as possible.

Angela
Rating: 5

By far the most competitive pricing. They will be my first call for years to come. Customer service was exceptional! .

Charles K
Rating: 5
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