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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

Carolyn Mayberry and her team are just excellent to work with. Their customer service skills are very prompt and professional. Carolyn made what typically can be a stressful time quite very manageable. Thank you to the folks at Refined Lending.

Jill W
Rating: 6

Mike, Carolyn, Cari - Exceptional customer service, completely transparent. Always ready to explain financial language by making it easy to understand, provided expert advice and answered any questions I had no matter the time of day, even over the weekend. The most friendly and honest team that I’ve had the…Read More

Luke S
Rating: 6

Mike and his team are awesome! Mike's personal commitment to the quality of work he produces and passion to only serve his clients with his best are admirable and wholeheartedly felt. He is outgoing and encouraging during an often stressful time for his clients. Additionally, he is conscientious, thoughtful, and…Read More

Maggie C
Rating: 6
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