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Find Home Equity Loan Specialists Near You in St Paul, MN

Browse home equity loan specialists serving St Paul, Minnesota. Contact information and addresses listed below.

14 agents listed
Updated June 2026
St Paul, 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 14 home equity loan specialists in St Paul, 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.
St. Paul Federal Credit Union
1330 Conway St #200, St Paul, MN 55106
(800) 782-5767 stpaulfcu.org
Ideal Credit Union
2401 McKnight Rd N, St Paul, MN 55109
(651) 770-7000 idealcu.com
Atwood Mortgage
420 Summit Ave suite 316, St Paul, MN 55102
(651) 384-2100 atwoodmortgage.com
Prosperity Home Mortgage: Chris Wright NMLS #653835
700 Grand Ave, St Paul, MN 55105
(651) 225-3965 chriswright.edinarealtymortgage.com
Bell Bank Mortgage - Hill Nelson Team
971 Sibley Memorial Hwy Suite 201, St Paul, MN 55118
(651) 783-5245 bell.bank
Bell Bank Mortgage, Mike Hill
971 Sibley Memorial Hwy Suite 201, St Paul, MN 55118
(651) 783-5244 bell.bank
BankCherokee
607 Smith Ave S, St Paul, MN 55107
(651) 227-7071 bankcherokee.com
US Cash Advance
238 6th St E #2, St Paul, MN 55101
(651) 661-5016 cash-advance.us
Primo Personal Loans
401 Wabasha St N Ste #104, St Paul, MN 55102
(651) 505-8584 primopersonalloans.com
Exodus Lending
2550 University Ave W Suite 200N, St Paul, MN 55114
(612) 615-0067 exoduslending.org
Equity Services
3550 Labore Rd #9, St Paul, MN 55110
(651) 489-4656 equityhomecare.org
Planet Home Lending, LLC - Saint Paul
90 S Dale St Office #2, St Paul, MN 55102
(651) 323-2888 planethomelending.com
Minnesota Equity Fund
332 Minnesota St #1201-East, St Paul, MN 55101
(651) 221-1997 mnequityfund.org
PHH Home Loans
821 Grand Ave, St Paul, MN 55105
(952) 844-6300 fastcash24.pw

A home equity loan specialist in St Paul, Minnesota helps homeowners access the equity in their property for renovations, debt consolidation, or other needs. Minnesota law requires lenders to follow specific disclosure rules under Minnesota Statutes Chapter 47.206. Working with a local specialist ensures you understand St Paul property values and regional lending practices.

What Does a Home Equity Loan Specialist in St Paul Cost?

Typical costs for a home equity loan specialist in Minnesota include origination fees of 0.5 to 1 percent of the loan amount, appraisal fees ranging from 300 to 600 dollars, and closing costs of 2 to 5 percent of the loan value. For a 50,000 dollar loan, total costs may range from 1,500 to 3,500 dollars. These costs vary by lender and your specific financial situation. This is general information, 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 St Paul?
A home equity loan specialist guides you through the loan application process, explains loan terms, and helps you compare options from local lenders. They ensure compliance with Minnesota regulations and assist with paperwork specific to Ramsey County property records.
How does Minnesota law affect home equity loans?
Minnesota law requires lenders to provide a Truth in Lending disclosure and a right of rescission period of three business days for home equity loans. Under Minnesota Statutes 47.206, lenders must also disclose annual percentage rates and fees clearly.
What are the typical requirements for a home equity loan in St Paul?
Most lenders require at least 20 percent equity in your home, a credit score of 620 or higher, and a debt-to-income ratio below 43 percent. You will also need proof of income and a recent property appraisal for your St Paul home.

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