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Jim is the absolute best! My situation was a difficult one and Jim assured me that I was buying a home. Jim and Casey went above and beyond! I would not hesitate one bit on contacting Jim, he knows what he is talking about! Gracias Jim!!! You are one of the bests!!!

Rating: 5

Amazing experience! Being self employed and using a VA home loan, i knew this was going to be a rough process. However, it wasnt. Tony took amazing care of me and assisted immediately with any questions i had. He guided me through the process and had innovative ideas to get the best deal possible for me. His communication is impeccable as i never felt in the dark at any time. I have now recommended Tony to other home buyers multiple times now and will continue to do so. If buyers go to anyone other than Tony, they are doing themselves a disservice. If I am ever in the market for property again, Tony will be my first and only call.

Rating: 5

It has been such an amazing and smooth experience working with Tony. Before Tony we went through 3 other mortgage loan officers with other lenders and have no regrets leaving them all for Tony. Tony is first and foremost respectful of you and whatever your situation may be. (My husband and I were first time home buyers with minimal home buying experience). He was patient in explaining everything to us and making sure we understood and were comfortable with every step we took. I will forever remember my first home buying experience positively thanks to Tony Schaefer. Tony, I don’t know you personally but I am sure you’re a great human being and you bring it into your work. Stay amazing. Thanks for all your hard work and patience.

Rating: 5
Taylor and Sam were great! They were always quick to answer any questions I had and made the process smooth and simple. Highly recommend! 
Rating: 5

Our experience with Jerrid was nothing short of amazing! We had a unique situation when it came to refinancing our home and we were not sure what to expect coming into this. Throughout the entire process Jerrid kept us updated and explained each step so we know how everything was going. When we had Questions Jerrid was always there to respond and when we ran into bumps in the road he would stay connected with is until it was resolved! We couldn’t be happier with our experience and if there was an option for a 6th star he would’ve received it from me and my wife! 

Rating: 5

Jim is the absolute best! My situation was a difficult one and Jim assured me that I was buying a home. Jim and Casey went above and beyond! I would not hesitate one bit on…Read More

Amazing experience! Being self employed and using a VA home loan, i knew this was going to be a rough process. However, it wasnt. Tony took amazing care of me and assisted immediately with any…Read More

It has been such an amazing and smooth experience working with Tony. Before Tony we went through 3 other mortgage loan officers with other lenders and have no regrets leaving them all for Tony. Tony…Read More

Taylor and Sam were great! They were always quick to answer any questions I had and made the process smooth and simple. Highly recommend! 

Our experience with Jerrid was nothing short of amazing! We had a unique situation when it came to refinancing our home and we were not sure what to expect coming into this. Throughout the entire…Read More

Helped me from start to finish and went into detail on the things I needed and how to get them. Would recommend to anyone trying to buy a house! 

We need financial assistance with a main floor remodel while trying to lower our interest rate as well as wrap the loan together in one payment. Jon walked us and our contractor through the process…Read More

We received professional support and helpful on our first home purchase. Every question we had was answered in a timely manner. Jerrid Boutto, Katie and the rest of the team was easy to talk to…Read More

As a first-time homeowner, the process with Jerrid and Refined Lending couldn't have gone smoother. Communication was seamless, and he was able to answer all my questions and advocate for me every step of the…Read More

If you are looking an outstanding home mortgage team, you have arrived!! They get the job done in record time and go the extra mile when and where others can't. Mike and his team are…Read More

Arvold mortgage team and Refined lending were amazing and very helpful with my refinance.

Very responsive, open, and honest. In this market you need someone like Jerrid Boutto on your team. Swift pre approval letters on nights and weekends are an important piece in getting an accepted offer. Couldn't…Read More

The Arvold Mortgage Team is simply THE BEST at what they do. Mike, Riley, and Cari coached us through a couple of very unique situations and simplified a complex process. What impressed me the most…Read More

Jakob was incredible, I truly have no words for the job he did. Just an amazing person to work with.

Jerrid helped me with credit repair & getting out of an FHA loan & into a Conventional loan. He helped me get money out & a lower interest rate & monthly payment. I would recommend…Read More

The experience was one to remember!! Being first home buyers, all people told us was how difficult the process would be. But finding Jerrid helped our process fly by. He explained all of the numbers…Read More

Our online experience was timely, efficient and on target at all times. At our request the mortgage application was processed faster than usual so we could potentially advance the closing date. If given the need…Read More

Annie Moua helped my family with the purchase of our home. We were looking to buy our second home and received an abundance of help from Annie at Refined Lending. She was very informative and…Read More

Jon Hill was a pleasure to work with. He was very professional and prompt in answering any questions I had. I would and already have recommend him to anyone I know who is buying a…Read More

Jon was very easy and amazing to work with. Answered all my questions and totally walked me through the process.

Jon was really informative about all the steps we had to take and thoroughly walked us through the whole loan process. Thanks So much for all your help Jon!

Jon was great! Always available for any questions, always let us know what we needed to do! I look forward to working with Jon in the future, thank you!

He helped us through the process of refinancing our home. He made the process easy and everything went smoothly. It was completed way faster than I had expected! He was always available to answer any…Read More

Jon Hill assisted us in financing our first home. He was extremely responsive and professional. Overall, it was a great experience working with him.

Awesome experience with Refined Lending during my cash out refinance. Jon Hill was professional, accurate, and very thorough during the whole process. 3 weeks from the start of the loan process to being funded! A1

I would like to take this opportunity to thank Jon Hill from the bottom my heart. He made applying for a mortgage a breeze and now I am a proud homeowner because of his diligence.…Read More

I run a real estate team called To The Twin Cities that serves the entire twin cities metro, and help primarily buyers, and a lot of folks who are relocating to Minnesota. Michael, Bryan &…Read More

Prompt thorough 24/7 service from Jerrid at Refined Lending. I also recommend Jerrid to clients as he has taken very good care and done great work for several of my homebuyers within the last few…Read More

Aaron Oliver and the rest of the team are rock-stars! They're prompt, thorough and easy to work with. They definitely have the process dialed in. The whole refinance process was probably easier to do than…Read More

Mike and his loan team are super wonderful people to work with. They can do magic they were able to do possibilities they Switched my loan to second home and we closed in a timely…Read More

The whole process was very easy and straight forward. Jerrid did a great job with explaining everything and answering questions. He was always available and quick to reply. I would definitely recommend him!

Jerrid did a fantastic job in helping our first time home buying client getting into her first home. Great service, great programs, and great follow up!

Jerrid is amazing to work with!!! I love how quick he is to reply back on my emails and texts!!! If there's something I'm unsure or my client is unsure he does such a wonderful…Read More

Sam was great to work with, he really help us threw the process. Made it so we could understand the process. This stuff is confusing and he really took the time and understanding with all…Read More

Jerrid is timely and responsive. He is focused and ready to make a transaction possible. He has taken feedback well and provided information when I need it. I see him as an asset to the…Read More

Sat with Jerrid to look over my buying power. When I’m ready to buy I know where to go!

Jerrid and his assistant did a wonderful job with my client Christina. She was a first time homebuyer and he really walked her through the process from start to finish. We closed on time and…Read More

Buying a home can be stressful, especially your first home. Jerrid was there to answer all my silly questions no matter what time or day of the week it was. He gave me some confidence…Read More

Jerrid is very knowledgeable and really helped me understand the whole process. Highly recommended!

I’ve been shopping around for lenders for a near future purpose. Once I find the right property, Jerrid will 100% be the guy. Can’t wait!

Jerrid is a very knowledgeable lender and super responsive. Jerrid is the man to go to. Always helpful and answered any questions I had. 

Jerrid was highly knowledgeable about the refinance process, and guided and educated me on the process the whole way through. Even though it didn’t make sense for me to complete the refinancing at the time,…Read More

Jerrid has such a calm, professional way of offering his services. I’m so happy my clients can trust and have open communication with Jerrid, he is my go to!! Always delivery efficient, fast services with…Read More

Very informative, open, honest and punctual.

Went to Jerrid to help with my refinance and instead of treating it like an easy sale he guided me to do a HELOC instead as it fit my needs better for my current situation.…Read More

When it comes time to purchasing a home I know Jerrid will be there to help me with that. 

I’ve spoken with Jerrid several times in preparation of my upcoming refinance and he has been extremely helpful and informational. Looking forward to finishing the deal, thanks Jerrid! 

Dustin was so helpful! So many details and he simplified them. He was very thorough and informative from start to finish. Thank you Dustin! 

Jerrid was an awesome person to work with. Our first meeting was at a brewery and I knew the. That we were on the same page!! We sat down and he listened. Then when got…Read More

Jerrid was quick to get the team in gear, always made himself available, worked to find ways to suit what we needed to get through the process, and was knowledgeable to answer any questions we…Read More

John spent an extensive amount of time finding out the best solution for my life and families needs. He went above and beyond to source various options and came up with back up plans and…Read More

David was wonderful to work with. We bought two properties at the same time and worked with him to obtain both mortgages. He was always easy to get ahold of and had great communication throughout…Read More

As first-time home buyers, we had many questions and Jerrid was available for them day or night! Always responding in a timely manner, very knowledgeable and personable. He made this experience enjoyable and is a…Read More

Jerid was awesome he went way above and beyond.His attention to detail and everything was impeccable I would recommend him in a heart beat. It was my pleasure working with him.

Sam Rickenbach is extremely professional and it’s clear that he wants the best for his clients. He goes above and beyond for them and I would absolutely recommend him to all of my family and…Read More

My partner and I have been working with Sam R and have had a wonderful experience! He is responsive, professional, and has made the pre-approval process a breeze!

I have had a great experience working with Sam Rickenbach. He has made the pre-approval process simple and stress-free!

We had a great experience with Carolyn Mayberry and her team at Refined Lending. Carolyn always responded quickly with clear information, and made the process go smoothly as we worked to buy a property in…Read More

We worked with Sam Rickenbach to refinance our house over the summer. He was very helpful throughout the whole process, was super responsive when we had questions, and worked hard to make the process quick…Read More

If someone out there is looking for a Mortgage Banker Organization, look no further than Refined Lending. The team I've been working with, Sami Ragsdale, Wendy Guerrero-Cruz and Mike VonBank (heck, the guy even has…Read More

Jerrid was awesome to work with. He was very patient when unexpected delays hit, and was instrumental in getting the gift equity letter figured out. Great attention to detail and communication. Thanks Jerrid! 

First time home buyer and I already know this is the best customer service I will ever have. 

Bryan was the 3rd lender we worked with and not only did we get the best deal with him, the process was so much faster and easier with him than with anyone I've worked with…Read More

Jerrid has, bar none, one of the highest levels of customer service I’ve ever experienced. Having worked in customer service myself, I have exceedingly high standards - Jerrid went way above and beyond that. His…Read More

Jerrid was always available to answer all my questions and to assist me in filling out all my paper work. Jerrid is a very competent young man who wants only the best for his clients.…Read More

Absolutely fantastic, quick and easy. John was great to work with and kept me informed the whole way through. Highly recommend!

Bryan has been a great counselor and sounding board throughout 2 different mortgages & a refinance with me. He is always responsive and willing to explain the details behind the decisions. I have operated with…Read More

I was recommended from my realtor to the Mike Arvold team and I am more than satisfied. I worked closely with Jerrid Boutto. Being a first time homebuyer I had no idea where to start…Read More

Bryan was great. He was always very quick to respond to our questions, and never made us feel silly for asking newbie questions as this was our first home purchase. Highly recommend.

Bryan has helped me several times refinance my home as well as my office condo. He was able to get both completed in about 3 weeks. Amazingly fast and no hassles at all!

Mary was seriously the best! Friendly! Organized! Available! Informative! Knowledgeable! She never missed a beat no matter the time of day or night, and she knew the answer to every question I had and always…Read More

I recently bought a condo with Refined Lending, and working with them was absolutely amazing! My lending team so was responsive, so professional, and so excited to help me buy my first home. They advocated…Read More

I have worked with Mary both as a fellow real estate agent and as the mortgage adviser to my homebuying clients... and she's absolutely top notch. Meticulous, detail oriented, dedicated and diligent. Nothing gets overlooked…Read More

Bryan was so helpful when I was considering refinancing our home. He answered all my questions and had our refinancing done in 27 days. He was awesome and have referred him to friends! Thanks Bryan! 

Jerrid has become such a great Mortgage Banker. I would recommend him to anyone and everyone. He refinanced my mothers home and she couldn’t be happier. Here’s to your continued success

Chris Forest works hard to support his client's needs throughout the lending process. He strives to earn their trust and maintains a high level of professionalism.

Such a great experience! Chris Forest was extremely professional and I would highly recommend!

I worked with the Mike Arvold Team due to a recommendation from my realtor. I stayed working with them because Jerrid Boutto's professionalism. Jerrid put into perspective what the costs would be in different, realistic…Read More

Look- as a first time house buyer- all of the steps to get the keys can be stressful. But if you want less stress go with Jerrid and his team at Refined Lending. He was…Read More

This was the best Experience I’ve had with a lender! Friendly experience and Quick responses by Dustin Christen. Very knowledgeable about my questions and always had my interest at heart. Would recommend him to all…Read More


The Best! Jim did a great job on the refinancing of our home. Restored my faith after a previous awful experience with a major loan company out of Detroit. Communication was great. Did not have…Read More

Chris Dunn was amazing in helping me through the first-time home buying process! It was incredibly important for me to feel like I trusted my lender. Chris talked to me in terms I understood and…Read More

My wife and I had nothing but an optimal experience with Bryan and the team at Refined Lending. From day one, the team took the time to answer our questions along with continuing to support…Read More

We have worked with Bryan Kiani for over 12 years, purchasing multiple properties and referring numerous clients & friends to him over this time frame. He consistently exceeds our expectations with outstanding service, attention to…Read More

Chris was very helpful all the way through a daunting process. He made it as easy as possible and worked with my difficult situation. His pro-active approach with communication built a trust I have recommended…Read More

Mike and Wendy at Refined Lending were easy to work with and professional throughout the whole mortgage process. As we went through a quick 1 month process from pre-approval to closing, they communicated with me…Read More

My experience was nothing short of amazing. I was made a promise that Bryan could get me a home and he did just that. When I first started my home buying journey I was with…Read More

Sam is an up-and-coming energetic young man I would do business with him anytime 

Sam is an exceptional LO. The quality of service he provided is top notch. He's knowledgeable about products and explaining everything every step of the way. I've recommended Sam to all of my friends and…Read More

This has been my third time working with Carolyn and I just wanted to make sure she was recognized for her hard work and amazing work ethic in helping me. Ever the professional, I am…Read More

Sam is an up-and-coming energetic young man I would do business with him anytime 

Sam is an exceptional LO. The quality of service he provided is top notch. He's knowledgeable about products and explaining everything every step of the way. I've recommended Sam to all of my friends and…Read More

Sam was helpful from the very beginning by explaining the WISH program and other loan information. He was always informative, professional, knowledgeable, helpful and always available for my calls and questions. He answered us on…Read More

Mike and Ann Spindler were wonderful to work with. They were always prompt to help me and answer any questions I had during the process of buying my home. Their professionalism and honesty made everything…Read More

We had the absolute best experience with refinancing our home with Tony Schaefer. He was very attentive, organized, and prompt with responding to our questions. He took the time to deal with our abundance of…Read More

Bryan Kiana went above and beyond to help my dream come true of purchasing a home. He always respnded quickly to any questions I had along the way. I would definitely recommend him to any…Read More

Working with Bryan and his Team at Refined Lending over the years has been great. We recently moved to Eden Prairie and used Bryan for the 2nd time on our home loan and that was…Read More

Extremely friendly with outgoing personality. Helped us through the whole process with ease and kept us up to date with information. Pleasant experience all around! Would highly recommend Jerrid to everyone I know. 

Bryan and his team are the absolute best. Bryan was super responsive, knowledgeable, trustworthy and enjoyable to work with. I have, and will continue to recommend him to all my close friends and family. 

Bryan Kiani & Mike Spindler - The BAM Team have been absolutely amazing business partners. As a Real Estate Agent I need to know my clients are in the best hands from start to finish.…Read More

Dustin was absolutely a delight to work with. From the beginning to the end he held my hand and walked me through the process. It was a seamless process and he was always available to…Read More

Bryan Kiani and team have been my trusted lending partner for the past 8 years! I always know my clients are in good hands when working with him and receive the highest level of service! 

My real estate team and I work with the Refined Coon Rapids Team frequently. Their entire team is professional, personable, and extremely responsive. We have enjoyed placing countless clients in the care of Mike, Aaron,…Read More

Bryan Kiani and his team are truly top notch! They have gone above and beyond for me, and I am forever grateful! Bryan's industry knowledge and experience really helped in some tricky spots. I highly…Read More

Bryan Kiani and his team are truly top notch! They have gone above and beyond for me, and I am forever grateful! Bryan's industry knowledge and experience really helped in some tricky spots. I highly…Read More

I just wrapped up another deal with Jerrid and he continues to impress me with how he conducts his business. He’s always responsive, and promptly finds answers for questions he does not know. His communication…Read More

Dustin was an absolute pleasure to work with from the very beginning right until the end. He was honest with me every step of the way and was there to answer any questions I had,…Read More

Jerrid took on my portfolio mid-way through my home search, and I could not have wished for a better broker to do so. He incredibly knowledgable and is still answering my questions to this day.…Read More

Jerrid and Jessica were wonderful to work with. The whole process was way quicker then I expected plus I got a weekly update letting me know where we were at in the process. Jerrid was…Read More

It was a great experience working with Jerrid and his team! He was incredibly responsive and informative, which helped ease our nerves a lot as first-time homebuyers. It was a seamless process and the weekly…Read More

Bryan has been a pleasure to work with and has been one of my trusted lender partners. He is thorough and impactful with his work. Thanks Bryan for all you do and continue to do…Read More

Great Team that always gets back to you with answers!!

Bryan Kiani and Mike Spindler have never let me down as a real estate agent!! We have always gotten the transaction to closing and had fun while doing it! They are professional and positive people…Read More

As a realtor, I understand how important for home buyers to have a local lending source that is reliable, knowledgeable, and works in the best interest of the home buyer. Refined Lending has been flawless…Read More

BAM team is great! They are knowledgeable and make the whole process fun!

I rarely have the opportunity to work with a lender that carries a sense of humor and a high level of knowledge about the mortgage process…as crazy as that sounds. Typically there is a trade…Read More

Bryan Kiani is my go to guy! Not only professionally being a Real Estate Broker but also personally. Bryan’s customer service with my clients that I send his way is top notch and everyone is…Read More

I have worked with Bryan for a little over a year now and I can say that he is a master at his craft. I truly enjoy having him as part of the team. He…Read More

We had the best time working with Tony Schaffer at Refined Lending, for our first time home-buying. He was attentive, detail-oriented, responsive, and always set realistic expectations for us, in buying our first home. And…Read More

Jim Palmer worked with me and he did not give up on me I really appreciate the hard work and dedication he put in thanks Jim

Go see Chris Forest. He is excellent to work with. He answered all of my questions in a timely and professional manner. They had everything all set up 2 weeks before closing and made my…Read More

Highly recommended!! Jon Hill was very easy to work with and helped me through every question I had. If anyone is thinking about working with a lender, Jon can help. Thank you Jon!!

Jon Hill and his team are absolute professionals, it was a pleasure working with them. 5 stars

As a person who has valued excellent customer service, and works in professions that require it - I say Jon tops us all! Jon is professional, personable, caring, and knowledgeable - ALL OF THE TIME!…Read More

My husband and I have had a great experience with Refined Lending so far and it’s only just the beginning. Sarah Adams introduced us to Chris Forest, who is a well educated and professional loan…Read More

So easy to work with professional and super responsive!! Jon is the man to go to!!

The best experience I've ever had, Jerrid team was fast, have excellent communication, accessible at any time, respectful and professional. Thanks!!!

Jerrid and Chan S, Worked hard to help me find my new place. Jerrid's Team were very helpful all the way up to closing on Tuesday 8/31. Both Chan and Jerrid's teams were very helpful…Read More

My experience with Fritz as my mortgage banker was nothing but exceptional. He was very hands on and helpful with all my lending needs. He made it clear from the beginning that if I had…Read More

Jerrid was our loan officer for our first time home purchase and the experience we had with him was amazing. He answered our questions right away and was always willing to explain to us. We…Read More

Sam was absolutely fantastic! I had many questions and he was patient and knowledgeable every step of the way. He made us feel like we were his top priority and his communication was absolutely excellent.…Read More

Jon Hill was great to work with. Very glad I was able to have him by my side. Thanks for everything Jon. 

Sam and Chris took care of virtually everything for me and made the process EASY! And Chris came back to me after the first time when the percentage wasn't low enough for me to refinance,…Read More

I want to thank Jerrid Boutto and Chan Slettehaugh for their hard work and made it possible for me to close my home. Jerrid Boutto worked so hard to make sure I was able to…Read More

Sam was phenomenal. I am an agent in Indiana and we had a mutual client. He handled everything throughout the process professionally as well as promptly. I was very happy with out transaction and will…Read More

Jerrid had helped me with a refinance and I just want to say he is an amazing employee. Jerrid went above and beyond. He clarified all the procedures and made me very comfortable with the…Read More

Sam was great! Very helpful in us understanding the process, and very helpful with us planning the whole thing so we could determine both our budget and interest rate. Thanks Sam! Our adventure started with…Read More

Sam was punctual, helpful, and responsive. He made sure we got all of our paperwork done ahead of time so day of we just had to get the transfers done

I don’t have enough nice things I can say about Sam. He walked me through the process every step of the way. From our perspective he was available 24/7, and answered the same questions multiple…Read More

If you're looking for a mortgage banker, Jared is your go to guy! He made purchasing my first home a breeze! Jared checked in weekly to see if I was considering any houses and would…Read More

Jerrid Boutto from the RL team is the complete package for anyone even remotely thinking about buying a home. His knowledge about everything you'll have questions about during the whole process is a very comforting…Read More

Since the beginning it was a very easy interaction Marco was able to get our numbers to a better deal, and a better house for the wife which was the end goal, Sam was also…Read More

Jon Hill from Refined Lending is an absolute dream as a Realtor to work with! Put simply, his knowledge of the industry and his unprecedented communication skills provides all my clients the level of comfort…Read More

I had dealt with a few lenders in the past and they were all pale in comparison to the satisfaction of working with Jerrid Boutto. Right from the beginning, Jerrid's personal touch and attention to…Read More

Fast and friendly Assured I got best rates Available to answer my questions and help me as needed . 

Topnotch Personable Quick response Kept me informed 

Jerrid is hands down the best person to work with when buying a home. He took the time to get to know us and what was important to us. We had some challenges in being…Read More

We had an awesome experience with Refined Lending. Mike was such a positive in months of negatives. Buying a home during a pandemic was super stressful, but Mike was there every step of the way.…Read More

Wanted to get refinance and get cash out to do some home improvements. Based on my situation that was not possible. Chris was very honest and explained to me that there were still huge benefits…Read More

Jerrid Boutto and the entire RL team were AMAZING. As both a Realtor and buyer, I saw firsthand their hard work and attention to detail. Jerrid was able to get our loan to close 3…Read More

Jerrid made the pre-approval process super easy and was extremely flexible to work with! It was very easy to communicate with him and any minor issues were resolved promptly. Thanks to everyone at Refined Lending…Read More

Chris’s performance during our refinance was amazing. He maintained communication through the entire process and always had a possible solution prior to presenting an issue. This is the second time we have worked with Chris…Read More

Jon Hill helped us with our recent refinancing. Couldn't be happier with the efficiency, outcome and advice we received from Jon. We will return when/if there's a need in the future. Thanks Jon!

My fiancé and I were able to purchase our first home thanks to the amazing work of Jon Hill! Jon was extremely patient with us and walked us through every step of homebuying. Jon was…Read More

Jon Hill did a totally awesome job. He walked us through the whole experience. He explained the process and addressed all of our concerns. He made himself available for after hour discussions and performed follow…Read More

Awesome experience. I have used Chris 3 times for mortgages. He has been great every time. Thank you again Chris!

Jon then the years, Jon has done a Mortgage and 2 refinances. Outstanding in his field. Really knows the loan business. Knows how to help and very reassuring when things aren’t going as smoothly as…Read More