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Located in the Twin Cities but licensed in several states across the country (NMLS# 261849). Licensed since 2001 with Mortgage Lending experience with over 2000 loans closed. Top notch technology including secure online applications, digitally signing documents online and live computer "screen-share" to go through documents page by page if needed.

Expert in:

  • Conventional... 3 to 5% down (including Obama HARP REFI's). The best / cheapest options for Mortgage Insurance.
  • FHA... 3.5% down including "Non-Condo Condo" program
  • VA Mortgages... NO money down. Ask me about my Debt Consolidation Purchase; my Non-Rehab Rehab VA Purchase or my "cash out" IRRRL program.
  • USDA... Rural Development loans NO money down
  • Construction Loans... one-time / two-time close and rehab loans available
  • Reverse Mortgages. An option for Seniors to stay in their homes."

Contact Steve at 612-386-5306 or email at with any questions you may have!

Rates went up quickly earlier this summer... but when the Feds said they're not going to start TAPERING their buying of MBS (mortgage backed securities) on September 19th rates slid back down. Many "mortgage guys" out...
read more... Trulia put this article out on Monday... Here's the details: Trulia compare

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