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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. 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.

Home Purchase

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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

Jon Hill helped me twice refinancing my house, and both times there were some extremely challenging parts in both. Jon was absolutely fantastic in securing every detail and working tirelessly to make sure that the refinancing could happen for my unique situation. I would definitely recommend him every time. Thank…Read More

Kim Y
Rating: 5

Sam German is great to work with! We just got our loan and the whole process was no stress. Communication is A+, service is A+. Sam took care of everything! Thank you! 

Yekaterina H
Rating: 5

The refinancing process with Mike Arvold was so simple! He was incredibly knowledgeable and efficient. Every step in the process was made easy for us! We saved a TON of money! THANKS 

Kim M
Rating: 6
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