Joe Bydzovsky - Your Local Mortgage Expert

YOUR LOCAL
MORTGAGE EXPERT.

Meet Joe.

As an experienced loan officer, my goal is to provide you with individual solutions tailored to your specific needs. I review all the details and objectives with you to ensure that everyone is on the same page. I want my customers to remember the smooth process long after the closing is completed. I have access to a large variety of financing options designed to meet the needs of the first-time homebuyer as well as the experienced owner. By providing in-house origination, processing, underwriting and funding services, I can ensure that your loan will be completed accurately, smoothly and in the loan that best meets your needs. This positive experience is why past customers, real estate and financial professionals continue to refer me to friends, family, clients and co-workers. I believe you will too!

I’ve built my reputation on providing outstanding service to my clients. That means you can count on me to always look out for your best interests, and to keep you informed throughout every step of the lending process.

Awards.

 
Super Mortgage Professionals 2018
Super Mortgage Professionals 2017
Super Mortgage Professionals 2016

Customer Testimonials.

Joe Bydzovsky

Senior Mortgage Banker
NMLS#270628 ​

1030 West County Rd. E
Suite 200
Shoreview, MN 55126

Meet Joe.

As an experienced loan officer, my goal is to provide you with individual solutions tailored to your specific needs. I review all the details and objectives with you to ensure that everyone is on the same page. I want my customers to remember the smooth process long after the closing is completed. I have access to a large variety of financing options designed to meet the needs of the first-time homebuyer as well as the experienced owner. By providing in-house origination, processing, underwriting and funding services, I can ensure that your loan will be completed accurately, smoothly and in the loan that best meets your needs. This positive experience is why past customers, real estate and financial professionals continue to refer me to friends, family, clients and co-workers. I believe you will too!

I’ve built my reputation on providing outstanding service to my clients. That means you can count on me to always look out for your best interests, and to keep you informed throughout every step of the lending process.

Awards.

 
Super Mortgage Professionals 2018
Super Mortgage Professionals 2017
Super Mortgage Professionals 2016

Customer Testimonials.

About Lake Area Mortgage

Exterior and front Entrance of Lake Area Bank

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.

  • Low closing costs

  • Competitive rates

  • Affordable first-time homebuyer programs

  • Access to numerous down-payment assistance programs

  • 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.

  • One closing at start of construction

  • Extended locks available

  • Interest-only payments during construction at 2.99%

  • Flexible down payment options

  • One application and one approval process

Dollar Sign

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.

  • Lower your mortgage payment

  • Lower your interest rate

  • Consolidate 2nd mortgage

  • Shorten your mortgage loan term

  • Change your home loan type

  • 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.

  • Interest-only payments during construction

  • Increase your property value

  • Avoid taking out a second mortgage

  • Borrow against the as-improved value of the property

  • Purchase and renovate a fixer-upper

  • 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 incomeassetsliabilities, 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!

Joe Bydzovsky

Senior Mortgage Banker | NMLS#270628

Direct: 651-209-2911

Mobile: 651-303-8765

Fax: (651) 209-2929

Equal Housing Lender - Member FDIC

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

Forest Lake: (651) 464-9001
White Bear Lake: (651) 653-9619
Hugo: (651) 407-3137
Lindstrom: (651) 257-1117
Stillwater: (651) 430-9500
Lake Area Financial Services: (651) 653-9619
Lake Area Mortgage: (651) 209-2900

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