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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, 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.

Apply Now

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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

Fritz was incredibly helpful and professional and he made the process of refinancing my mortgage as painless as possible. He was readily available to answer any questions I had and helped guide me throughout the process. I highly recommend Fritz for anyone looking for mortgage help.

Collin E
Rating: 5

Mike Arvold and his team were wonderful to work with. I was referred to them through a friend and I'm glad I followed that lead. With less than 30 days to move we finally found a home we wanted and he and his team were still able to get everything…Read More

Cole n
Rating: 6

John Kinkeade was so fast and efficient in helping us refinance. I appreciated his texts, emails, and phone follow-ups to make sure we had the information we needed and to help us stay on track for a speedy closing. John was very personable and knowledgeable.... the kind of guy I’d…Read More

Jessica G
Rating: 5
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