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Home Equity Loan Specialists in Lino Lakes, MN

Looking for a home equity loan specialist in Lino Lakes? Review the directory below to compare your options.

3 agents listed
Updated June 2026
Lino Lakes, MN
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the State Mortgage Licensing Authority of Minnesota before hiring.
Showing 3 home equity loan specialists in Lino Lakes, MN Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Justin Larson, Mortgage Lender - Home Loans NMLS #1490922
7525 Village Dr #120, Lino Lakes, MN 55014
(320) 296-9177 summit-mortgage.com
Rebecca Hawley NMLS#1729105 - M&M Mortgage
2077 Watermark Way, Lino Lakes, MN 55038
(763) 607-9707 213677.my1003app.com
SMW Financial Credit Union
700 Apollo Dr, Lino Lakes, MN 55014
(651) 747-1500 smwfcu.com

A home equity loan specialist in Lino Lakes, Minnesota can help you understand options like home equity loans and home equity lines of credit (HELOCs). Minnesota law requires lenders to provide clear disclosures about interest rates and fees under the Truth in Lending Act. Working with a local specialist ensures you receive guidance tailored to Anoka County property values and state regulations.

What Does a Home Equity Loan Specialist in Lino Lakes Cost?

Typical costs for a home equity loan in Minnesota include an appraisal fee of 300 to 600 dollars, origination fees of 0.5 to 1.5 percent of the loan amount, and closing costs ranging from 2 to 5 percent of the loan. Some lenders may charge annual fees for HELOCs. Costs vary by lender and loan type. This is general information and not mortgage or financial advice.

* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.

Frequently Asked Questions

What does a home equity loan specialist do in Lino Lakes?
A specialist helps you evaluate loan options, calculate available equity, and guide you through the application process. They explain terms like loan-to-value ratios and closing costs specific to Minnesota lenders.
What are the requirements for a home equity loan in Minnesota?
You typically need at least 15 to 20 percent equity in your home, a stable income, and a good credit score. Minnesota law does not cap interest rates but requires lenders to follow federal disclosure rules.
How long does it take to get a home equity loan in Lino Lakes?
The process usually takes two to six weeks from application to funding. This timeline includes property appraisal, underwriting, and document review required by Minnesota lenders.

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