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The Refined Experience

Refined Lending is a division of Goldwater Bank N.A.  We are a full-service mortgage bank and your local MSP lender!  Whether you are looking to build new, renovate, relocate or refinance; Refined Lending has the in-house products to help you! The choice to work with Refined Lending will make your next move a simple, streamlined and highly rewarding experience.We are  strives to help all clients achieve that dream of home ownership. We are licensed to originate in 48 states!

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

Worked with Olivia on purchasing my first home. She was very helpful and informative. Any question or concerns I had, I could reach out to Olivia and she would answer right away. Very great customer service!    

Matt
Rating : 5

John was absolutely wonderful to work with from the very start when we began shopping for a home mortgage. He was never pushy and was always available at anytime, day or night, to answer any questions and get us anything we needed. He was able to close on our home…Read More→

Katie
Rating : 5

This was my wife's and my first home and we were very happy with our experience working with Pierre. He asked the many questions we had through the process. He was also patient with us not knowing whether we would buy a house or not. We never felt pressured and…Read More→

Jared
Rating : 5
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