
About Lake Area Mortgage
Loan Products
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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.
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.
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.
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.
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).
Brian Lindstrom
Senior Mortgage Banker | NMLS#695808

Lake Area Bank is a Proud Equal Opportunity Employer
Copyright 2021 – Lake Area Mortgage; A Division of Lake Area Bank – NMLS ID#645618
1200 West County Road E – Suite 200 | Arden Hills, MN 55112 | (651) 209-2900