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Browse mortgage lenders serving Lake Elmo, Minnesota. Contact information and addresses listed below.
10 agents listed
Updated May 2026
Lake Elmo, 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 Minnesota before hiring.
Showing 10 mortgage lenders in Lake Elmo, 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.
Amber Garofalo at CrossCountry Mortgage
9591 60th St N Suite A, Lake Elmo, MN 55042
6513009411
Lake Elmo Bank
11465 39th St N, Lake Elmo, MN 55042
6517778365
Clifton Krotz - Mortgage Planner
8687 Eagle Point Blvd, Lake Elmo, MN 55042
6512624804
loanDepot
8687 Eagle Point Blvd, Lake Elmo, MN 55042
6514097100
James Vang - Welcome Home Loans
8530 Eagle Point Blvd Suite 100, Lake Elmo, MN 55042
6516616171
Josh McCarthy - Granite Mortgage
8687 Eagle Point Blvd, Lake Elmo, MN 55042
6512082037
Angela Nutter - NMLS 1391410
8687 Eagle Point Blvd, Lake Elmo, MN 55042
6519009074
Angela Hensley Loan Consultant
8687 Eagle Point Blvd, Lake Elmo, MN 55042
6127990749
Wintrust Mortgage
8519 Eagle Point Blvd Suite 115, Lake Elmo, MN 55042
6128608415
Impact Mortgage LLC
2796 Lisbon Ave Ct N, Lake Elmo, MN 55042
6127502548
Lake Elmo home buyers and refinancing homeowners can work with licensed mortgage lenders to secure financing. Minnesota law requires all mortgage originators to hold a state license through the Minnesota Department of Commerce. Local lenders in Lake Elmo understand the unique housing market in Washington County and can guide you through conventional, FHA, VA, and USDA loan options.
What Does a Mortgage Lender in Lake Elmo Cost?
Typical mortgage lender costs in Minnesota include an origination fee of 0.5% to 1.0% of the loan amount, an appraisal fee of 400 to 700 dollars, and a credit report fee of 30 to 50 dollars. Closing costs generally total 2% to 5% of the home purchase price. Minnesota law requires lenders to provide a Loan Estimate within three business days of application. 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 license does a mortgage lender need in Minnesota?
Mortgage loan originators in Minnesota must be licensed through the Nationwide Multistate Licensing System and registered with the Minnesota Department of Commerce. This ensures they meet state education and background check requirements.
How long does it take to close a mortgage in Lake Elmo?
A typical mortgage closing in Minnesota takes 30 to 45 days from application to closing. Delays can occur if appraisal or title work takes longer. Your lender will provide a timeline estimate at application.
Are there special loan programs for Minnesota first time home buyers?
Yes. Minnesota Housing offers the Start Up and Step Up programs with down payment assistance and lower interest rates for eligible first time buyers. These programs have income and purchase price limits that apply in Washington County.
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BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the Minnesota.