YOUR LOCAL
MORTGAGE EXPERT.
Brian Lindstrom
Senior Mortgage Banker
NMLS#695808
1030 West County Rd. E
Suite 200
Shoreview, MN 55126
Meet Brian.
Brian Lindstrom is a dedicated professional with a passion to educate his clients on the mortgage process. Whether you are a 1st time homebuyer or in need of a refinance, it is important for you to understand your loan and what options are available. Staying on top of the ever changing mortgage industry is Brian’s job and he takes pride in expanding the knowledge that he has learned over the last 15 years. Building a network of trusted professionals has been a key to his business and referrals from satisfied clients have helped Brian grow his career. Borrowers and real estate professionals alike can rest assured knowing that they are in great hands when they look to Brian for mortgage options!
Awards.
Customer Testimonials.
Brian Lindstrom
Senior Mortgage Banker
NMLS#695808
1030 West County Rd. E
Suite 200
Shoreview, MN 55126
Meet Brian.
Brian Lindstrom is a dedicated professional with a passion to educate his clients on the mortgage process. Whether you are a 1st time homebuyer or in need of a refinance, it is important for you to understand your loan and what options are available. Staying on top of the ever changing mortgage industry is Brian’s job and he takes pride in expanding the knowledge that he has learned over the last 10 years. Building a network of trusted professionals has been a key to his business and referrals from satisfied clients have helped Brian grow his career. Borrowers and real estate professionals alike can rest assured knowing that they are in great hands when they look to Brian for mortgage options!
Awards.
Customer Testimonials.
About Lake Area Mortgage
Our History.
Since 2007, We have been operating up to our renowned reputation, ultimately making us a top producing local lender. Aligned with Lake Area Bank, we conduct business based on a set of core values that have remained constant over the years. We intend to ensure that these values are real, that we believe in them, that we live them, and that they will outlive us.
Our #1 Priority is your Satisfaction.
All stages of the loan process are handled here, at Lake Area Mortgage. You’ll appreciate our experienced staff, in-house processing, underwriting and closing department to help ensure the loan process goes smoothly.
We pride ourselves on having award-winning loan officers who are dedicated to helping customers land their dream homes. Our local market knowledge can be key during your homebuying process.
Loan Products
BUY
Homebuying Solutions
For first-time homebuyers, move-up buyers, second home purchases, and investment properties. Lake Area Mortgage is dedicated to making the entire process smooth and simple.
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Low closing costs
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Competitive rates
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Affordable first-time homebuyer programs
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Access to numerous down-payment assistance programs
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In-house processing, underwriting and closing department
BUILD
Building Your Dream Home?
Lake Area Mortgage makes financing easy with our Single-Close Construction Loan – one loan, one set of closing costs.
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One closing at start of construction
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Extended locks available
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Interest-only payments during construction at 2.99%
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Flexible down payment options
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One application and one approval process
REFINANCE
Thinking About Refinancing Your Mortgage?
We’re here to help you take the next step. Lake Area Mortgage can help you determine whether refinancing is right for you.
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Lower your mortgage payment
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Lower your interest rate
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Consolidate 2nd mortgage
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Shorten your mortgage loan term
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Change your home loan type
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Cash-out refinance option
REMODEL
Don’t Move. Improve!
The Lake Area Mortgage Renovation Loan provides a simple and convenient way for borrowers to finance home improvements and renovations.
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Interest-only payments during construction
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Increase your property value
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Avoid taking out a second mortgage
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Borrow against the as-improved value of the property
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Purchase and renovate a fixer-upper
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Perfect for additions or finishing basements
Get Started
Buying or refinancing your home is a large investment – we understand! Lake Area Mortgage is dedicated to providing you the tools, information and support you need throughout the homebuying process. When it comes time to look for a home loan, the more you understand about the process, the easier and less stressful it can be. We are more than happy to walk you through a quick consultation over the phone or in-person – whatever is preferred!
So, let’s get started!
Our Loan Process.
1. CONSULTATION & PRE-QUALIFICATION
Set up a meeting with your Lake Area Mortgage Loan Officer to discuss your home financing needs, goals, and current fiscal situation. Be prepared to provide information on your current income, assets, liabilities, and consent to pull credit. Based on that, you will be issued a Pre-Qual. for the loan amount you qualify for.
Shopping for a home with pre-qualification is shopping with confidence!
2. APPLICATION & DOCUMENTS
Your Loan Officer will provide you with a more in-depth list of required documents for your official loan application. The documents required to approve and underwrite your loan can vary depending on program, credit score, and job type.
In midst of this step, you’ll be looking to make an offer on your new home.
3. PROCESSING
Once your offer has been accepted, your Loan Officer and their team will begin processing your file for underwriting. During this time we may request additional items required to approve your loan.
Generally, your rate will be locked at this time and an appraisal will be ordered.
4. UNDERWRITING
Our in-house underwriting team will review the file to issue a loan decision. Your approval may come back with additional items needed. Once the extra conditions are submitted, it will take 24-48 hours to obtain the final approval (clear-to-close).
After the clear-to-close, you will be notified of the exact amount of money you will need to bring to closing.
5. CLOSING
Once you sign the final loan documents, the transaction will be completed and closed.
Congratulations!
If you loan was a purchase, you’re a new homeowner! Your Realtor will have your house keys at closing or schedule a time to deliver them.
If your loan was a refinance, enjoy those financial benefits!
Brian Lindstrom
Senior Mortgage Banker | NMLS#695808
Lake Area Bank is a Proud Equal Opportunity Employer
Copyright 2019 – Lake Area Mortgage; A Division of Lake Area Bank – NMLS ID#645618
1030 West County Road E – Suite 200 | Shoreview, MN 55126 | (651) 209-2900
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