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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

Mike was really great to work with from start to finish. I was refinancing my home and After attempting to work with a different company I was recommended to mike and he got the job done quickly and efficiently. He and the rest of his team are quick to respond…Read More

Brandon Acker
Rating : 6

Mike and his team are absolutely amazing! They made the purchase of my first home very easy and were able to answer any questions that I had along the way. I learned more from them through this process than I imagined I would, but they made the whole process seem…Read More

Rachel Klak
Rating : 6

I had previously had issues closing on my property and decided to give a "local company a try." I stopped in the office in Blaine after work one day without an appointment. David sat down with me and got to work! Once I got all my paperwork in David he…Read More

Andrew Weiss
Rating : 5
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