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The Refined Experience

Refined Lending is your trusted Mortgage partner in Blaine, Edina, Minneapolis and Brainerd Lakes area Minnesota!  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 whats best for you.  As your local MSP lender, we have physical locations throughout the Twin Cities. 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

I was directed to Jessica Russo waaaay back in October of 2019, when I made the decision to purchase a home that following Summer. I was pretty nervous, as this was my first home-buying experience and, well…. I heard It can get somewhat intense. My realtor sent me a couple…Read More

Jake
Rating: 6

Carolyn Mayberry and Team did an absolutely OUTSTANDING job on my mortgage refinancing! Her communication was professional, frequent, clear and friendly. Any questions I had were answered promptly. During the process I had zero delays, concerns or frustrations - even during the time of COVID-19. This was the BEST home…Read More

Carron
Rating: 6

This is my first time buying a home and Dustin did a great job helping walk me through the process and being there whenever I had questions or needed something. He explained everything in great detail and was extremely professional.

Jason
Rating: 6
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