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The Refined Experience

Refined Lending is your trusted Mortgage partner in Blaine, Edina and Minneapolis, Minnesota!  Whether you are looking to build new, renovate, relocate or refinance; Refined Lending has the in-house products to help you! We are  strives 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 want to thank you for introducing me to Dustin. He has been wonderful and always goes the extra mile. I would definitely recommend him to others I know in need of a home or refinancing.    

Christina
Rating : 5

Mike Arvold is a rockstar!! This is the second time we have used Mike for our financing and each time he is consistent and available at all hours of the day! We never have any worries when we work with Mike. I trust him fully and highly recommend him!  …Read More

Angie
Rating : 5

Mike Arvold continuously creates an exceptional experience! This is my 3rd time using Mike to purchase or refinance and EVERY time has been perfection. No one better in the industry. Hands down the hardest working loan officer I've met. Love this guy!   ~ Tyler

Tyler
Rating : 6
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