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Directory of mortgage lenders in Sauk Rapids, Minnesota. Verify credentials with the state mortgage licensing authority before hiring.
3 agents listed
Updated May 2026
Sauk Rapids, 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 3 mortgage lenders in Sauk Rapids, 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. Cloud Financial Credit Union
205 2nd St N, Sauk Rapids, MN 56379
3202522634
Gate City Bank
In Coborn's, 110 1st St S, Sauk Rapids, MN 56379
3202271346
US Bank Mortgage
122 2nd Ave S, Sauk Rapids, MN 56379
8008722657
Sauk Rapids mortgage lenders help home buyers and homeowners secure financing for residential properties. Minnesota law requires lenders to provide a Good Faith Estimate of closing costs within three business days of a loan application. Local lenders in Sauk Rapids understand the Benton County real estate market and can guide you through conventional FHA and VA loan options.
What Does a Mortgage Lender in Sauk Rapids Cost?
Typical mortgage lender costs in Minnesota include an origination fee of 0.5 to 1 percent of the loan amount and third party fees for appraisal title search and credit report. Closing costs in Sauk Rapids usually range from 2000 to 5000 dollars depending on loan size and property type. 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 documents do I need to apply for a mortgage in Sauk Rapids?
You typically need pay stubs tax returns bank statements and a government issued ID. Minnesota lenders also require a signed purchase agreement and proof of homeowners insurance before closing.
How long does it take to close on a home loan in Minnesota?
A standard mortgage closing in Minnesota takes 30 to 45 days from application to closing. Minnesota law allows a three business day rescission period for refinances but not for purchase loans.
Are there special mortgage programs for Minnesota first time buyers?
Yes the Minnesota Housing Finance Agency offers down payment assistance and low interest loans for qualified first time buyers. These programs have income limits and require completion of a home buyer education course.
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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.