# First Class Mortgage > First Class Mortgage - Maple Grove --- --- title: "Can a Non-Occupant Co-Borrower Help You Buy a Home in Minnesota?" slug: "can-a-non-occupant-co-borrower-help-you-buy-a-home-in-minnesota" date: "2026-10-04 18:16:04" author: "First Class Mortgage" --- ![Can a Non-Occupant Co-Borrower Help You Buy a Home in Minnesota?](https://mnmortgage.com/wp-content/uploads/2026/08/CW5A0036-scaled.jpg) Buying a home can be difficult when your income, credit history, or debt-to-income ratio does not support the mortgage you need. In some cases, adding a financially qualified family member or another eligible person who will not live in the home may help strengthen the application. This person is commonly called a non-occupant co-borrower, non-occupying co-borrower, co-signer, or guarantor. Those terms are sometimes used interchangeably in conversation, but loan programs and legal documents can treat them differently. A non-occupant co-borrower does more than lend a name or credit score. That person generally becomes legally responsible for the mortgage debt. Their income, assets, credit, and debts may be reviewed, and the new mortgage can affect their ability to borrow in the future. The arrangement can provide a path to homeownership, but it requires careful planning. This guide explains how non-occupant co-borrowers may work for Minnesota homebuyers, how conventional and FHA requirements can differ, what risks both parties should understand, and how to prepare before applying. ## Key Takeaways - A non-occupant co-borrower signs the mortgage but does not intend to use the property as a primary residence. - The co-borrower’s eligible income and assets may help with qualification, but their debts and credit profile are also considered. - Everyone who signs the note can be responsible for the full debt, not merely a percentage of it. - Adding a co-borrower does not erase the occupying buyer’s credit, income, debt, or down-payment requirements. - Conventional and FHA loans have different rules for non-occupying borrowers, ownership, loan-to-value limits, and relationships. - A co-borrower is different from a gift donor because a gift donor does not become obligated on the mortgage solely by giving funds. - Removing a co-borrower later usually requires an eligible refinance, payoff, assumption, or another lender-approved solution. - Both parties should discuss ownership, payments, taxes, estate planning, and an exit strategy with qualified professionals. ## What Is a Non-Occupant Co-Borrower? A non-occupant co-borrower is a person who applies for and becomes obligated on a mortgage for a home that another borrower will occupy. The non-occupant borrower may contribute income, assets, or credit strength to the application without moving into the property. Common scenarios include: - A parent helping an adult child buy a first home - An adult child helping a parent purchase a home - A sibling helping another sibling qualify - A spouse who will not immediately occupy the property - A relative supporting a borrower with limited income history - An eligible unrelated person participating under the selected program’s rules The mortgage lender must evaluate the entire group of borrowers. A strong co-borrower can help, but the total application still needs to meet credit, income, asset, property, occupancy, and program requirements. ## Co-Borrower, Co-Signer, and Guarantor: Are They the Same? In everyday language, people often call anyone helping on a loan a co-signer. Mortgage guidelines use more specific terms. ### Co-Borrower A co-borrower signs the promissory note and is legally responsible for repayment. Depending on the loan program and transaction, a co-borrower may also take title to the property and sign the mortgage or security instrument. ### Co-Signer A co-signer generally signs the note and accepts responsibility for the debt but may not have an ownership interest. Whether this structure is permitted depends on the loan program and state-law requirements. ### Guarantor A guarantor promises to repay the obligation under specified circumstances. Mortgage programs may group guarantors, co-signers, and non-occupant borrowers together for certain eligibility rules. Do not rely on the label alone. Ask the lender and closing professional which documents the person will sign, whether they will hold title, and what obligations the arrangement creates. ## How a Non-Occupant Co-Borrower May Help [![](https://mnmortgage.com/wp-content/uploads/2026/08/CW5A0012-200x300.jpg)](https://mnmortgage.com/wp-content/uploads/2026/08/CW5A0012-scaled.jpg) The most common purpose is to add eligible qualifying income. A buyer may have stable employment but insufficient income to support the proposed housing payment and existing monthly debts. If an eligible non-occupant borrower joins the application, the lender may consider that person’s qualifying income along with the occupying borrower’s income. A co-borrower may also contribute permitted funds for the down payment, closing costs, or reserves. Exact asset rules depend on the program and underwriting method. However, adding a co-borrower is not a simple income boost. The lender also considers the co-borrower’s: - Mortgage, rent, or housing expense - Auto loans and leases - Student loans - Credit card minimum payments - Personal loans - Child support or alimony obligations when applicable - Other financed properties - Credit history and recent inquiries - Employment and income stability Someone with a high salary may provide little benefit if they also have substantial monthly debts. A complete preapproval is necessary to measure the actual impact. ## How Debt-to-Income Ratios Work With a Co-Borrower The debt-to-income ratio, often called DTI, compares qualifying monthly debt obligations with qualifying gross monthly income. A simplified calculation is: **Total qualifying monthly debts divided by total qualifying gross monthly income equals the debt-to-income ratio.** When a non-occupant co-borrower is added, their eligible income may enter the denominator, but their required monthly debts generally enter the numerator. The result depends on both sides of the equation. For example, an occupying buyer earns $5,000 per month and has $700 in monthly debts before the new housing payment. A parent earns $8,000 per month but has a mortgage, auto loan, and other obligations totaling $3,500 per month. The parent’s income may help, but their debts reduce the net benefit. This example is only conceptual. Loan programs, automated underwriting systems, and lender requirements determine the actual calculation and acceptable limits. ## Credit Scores Still Matter A common misunderstanding is that the lender will simply use the strongest person’s credit score. Mortgage qualification is more complicated. The lender obtains credit information for each borrower and applies the loan program’s rules for representative scores and risk assessment. A non-occupant co-borrower with excellent credit does not necessarily cancel an occupying borrower’s lower score, recent late payment, collection, bankruptcy, foreclosure, or other credit issue. The reverse can also occur. Adding someone with weaker credit or new debt may make the application less favorable. Before applying together, each person should review their credit reports, avoid unnecessary new accounts, and disclose any recent or expected credit changes. First Class Mortgage’s [credit education resources](https://mnmortgage.com/understanding-your-credit/) can help borrowers understand the factors lenders commonly review. ## Conventional Loan Rules Conventional mortgages backed by Fannie Mae or Freddie Mac may permit non-occupant borrowers on eligible primary-residence transactions. Specific rules depend on the agency, underwriting method, property, occupancy, loan-to-value ratio, and other factors. Current Fannie Mae guidance addresses guarantors, co-signers, and non-occupant borrowers, including down-payment and underwriting requirements. Freddie Mac also publishes requirements for non-occupying borrowers, including transaction and loan-to-value provisions. Important conventional considerations may include: - The property generally must be the occupying borrower’s principal residence. - The non-occupant borrower must sign required loan documents. - Automated and manual underwriting may produce different requirements. - Down-payment responsibility and gift eligibility can depend on the scenario. - The non-occupant borrower’s income, assets, credit, and liabilities must be documented. - Interested parties such as a seller, builder, or real estate agent may face restrictions. Because agency standards and lender overlays can change, borrowers should obtain a current review instead of relying on an old online checklist. Learn more about First Class Mortgage’s [conventional loan options](https://mnmortgage.com/loan-programs/conventional/). ## FHA Loan Rules FHA loans may allow a non-occupying co-borrower or co-signer when the parties and transaction meet current HUD requirements. FHA distinguishes between co-borrowers and co-signers and sets rules for title, note obligations, security instruments, citizenship or principal-residence eligibility, and other factors. The relationship between the occupying and non-occupying borrowers can affect maximum financing. Certain family-member arrangements may receive different treatment from transactions involving unrelated parties. Property type and underwriting findings can also matter. Potential FHA considerations include: - Whether the non-occupying person is a family member under HUD’s definition - Whether the parties have a documented family-type relationship - Whether everyone signs the required loan documents - Whether the non-occupying borrower holds title - The permitted loan-to-value ratio - Whether the property is a one-unit home or has multiple units - Whether any borrower has an ownership interest in another property - Whether the transaction contains an identity-of-interest concern FHA rules are detailed, and exceptions should not be assumed. First Class Mortgage can help compare the transaction with current requirements. Review the team’s [FHA loan information](https://mnmortgage.com/loan-programs/fha/) for a general program overview. ## What About VA and USDA Loans? VA and USDA loans follow their own borrower, occupancy, household, and eligibility requirements. They should not be treated as conventional or FHA loans with a different name. VA financing centers on an eligible veteran, service member, or qualifying surviving spouse and generally requires occupancy by an eligible borrower. A non-veteran spouse or another borrower can affect entitlement, guaranty, and underwriting. USDA loans have household-income limits, property-location requirements, occupancy rules, and program-specific borrower standards. Adding another person can affect household and qualifying income in ways that require careful analysis. If you are considering either program, ask for a program-specific review through First Class Mortgage’s [loan programs page](https://mnmortgage.com/loan-programs/). ## Does the Non-Occupant Co-Borrower Own the Home? Possibly. The answer depends on the loan program, deed, title structure, state law, and closing documents. Signing the promissory note creates responsibility for the debt. Being named on the deed creates an ownership interest. Those are related but separate legal concepts. Ownership can affect: - Rights to sell or transfer the property - Responsibility for property decisions - Homestead treatment - Estate planning - Creditor claims - Divorce or family-law issues - Capital gains and other tax matters - Future refinance or sale requirements Minnesota buyers should discuss title with a qualified real estate attorney or title professional before closing. The mortgage team can explain loan-program requirements but cannot provide individualized legal or tax advice. ## The Co-Borrower Is Responsible for the Debt A non-occupant co-borrower should assume they are fully responsible for the mortgage obligation. A private family agreement saying the occupying buyer will make every payment does not eliminate the co-borrower’s responsibility to the lender. If a payment is late, the delinquency may affect each borrower’s credit. If the loan defaults, the lender can pursue remedies allowed by the loan documents and law. The debt may also appear when the co-borrower applies for another mortgage, auto loan, credit card, or other financing. The decision deserves the same seriousness as borrowing for one’s own home. The helping party should review the proposed payment, taxes, insurance, association dues, and backup plan before signing. ## How the New Mortgage May Affect Future Borrowing The mortgage can be counted as an obligation when the non-occupant borrower seeks future credit. In some circumstances, another lender may exclude a mortgage payment from the person’s DTI if someone else has made documented payments from their own account for a required period and all applicable rules are met. Exclusion is not automatic. A person planning to purchase another home soon should discuss timing with both mortgage professionals before joining the first transaction. Questions to consider include: - Will this mortgage appear on my credit report? - How will it affect qualification for my own home? - Can documented payments by the occupying borrower eventually support exclusion? - Will I need reserves for multiple financed properties? - Could title ownership change tax or insurance treatment? - What happens if the occupying borrower misses a payment? ## Co-Borrower vs. Gift Funds A gift donor provides eligible funds without becoming responsible for the mortgage solely because of the gift. A co-borrower applies for the loan and signs the obligation. If the buyer’s income is sufficient but cash for the down payment or closing costs is the main challenge, eligible gift funds may be simpler than adding another borrower. Gift rules vary by program and typically require documentation showing the donor, source, transfer, and absence of repayment obligations. If the buyer needs additional qualifying income, a gift does not solve the DTI issue. In that situation, a qualified co-borrower or a different home price, down payment, loan program, or debt strategy may be considered. First Class Mortgage’s article on [gift funds for a home purchase](https://mnmortgage.com/can-you-use-gift-money-for-a-down-payment/) can provide related background if the link remains active at publication. ## Co-Borrower vs. Down-Payment Assistance Minnesota homebuyers may also have access to down-payment or closing-cost assistance programs. Assistance can address cash needs, while a non-occupant co-borrower may address income or overall qualification. They are not interchangeable. Eligibility for assistance can depend on income, purchase price, location, first-time buyer status, education, occupancy, and the underlying first mortgage. Adding a co-borrower may affect household or qualifying income calculations. Explore the team’s [Minnesota down-payment assistance information](https://mnmortgage.com/down-payment-assistance-mn/) and request a personalized review before assuming two strategies can be combined. ## When a Non-Occupant Co-Borrower May Make Sense The arrangement may be worth exploring when: - The occupying buyer has stable income but needs additional qualifying capacity. - A parent or close relative is financially strong and understands the obligation. - The buyer expects income growth but can afford the current payment with family support. - Both parties have reviewed the ownership and long-term plan. - The selected loan program permits the arrangement. - The buyer has a realistic path toward independent qualification later. It should not be used simply to stretch the buyer into an uncomfortable payment. Mortgage qualification measures program eligibility, not every household expense or future goal. ## When It May Not Be the Right Solution Another approach may be safer when: - The occupying buyer cannot reasonably afford the payment. - The helper plans to apply for a mortgage soon and needs borrowing capacity. - Either party has unresolved credit, tax, legal, or financial problems. - The parties disagree about ownership or sale rights. - The buyer expects the co-borrower can be removed automatically after closing. - The arrangement depends on undocumented payments or undisclosed agreements. - Family tension could make shared financial responsibility difficult. Sometimes the better plan is to reduce the purchase price, pay down debt, increase savings, improve credit, wait for income history, or explore another loan program. ## Can the Co-Borrower Be Removed Later? Usually, a borrower cannot simply call the servicer and request removal from the note. The lender approved the original loan based partly on that person’s obligation and financial profile. Possible exit paths may include: - Refinancing into the occupying borrower’s name - Paying off the mortgage through a sale or other funds - Completing an eligible loan assumption with release of liability - Using another servicer-approved process when available Refinancing requires the remaining borrower to qualify under future income, credit, debt, property, rate, and program conditions. No one should sign today based on a guarantee that refinancing will be available later. The parties should create a realistic plan, but they must also prepare for changing rates, home values, employment, health, and family circumstances. ## Questions Both Parties Should Discuss ### Payment Responsibility - Who will make the monthly payment? - What happens if the occupying borrower loses income? - Will the co-borrower receive statements or account access? - How quickly will both parties communicate about a missed payment? ### Cash and Closing Costs - Who provides the down payment? - Are funds a gift, contribution, or shared investment? - Who pays closing costs and reserves? - Is the source of every deposit documented? ### Ownership - Who will be on the deed? - What ownership percentage or rights will each person have? - Who can authorize a sale or refinance? - What happens if either person dies, divorces, or becomes incapacitated? ### Exit Strategy - When will the occupying borrower try to qualify independently? - What financial milestones should be met first? - What if refinancing is not available? - What if one party wants to sell and the other does not? Put appropriate agreements in writing with help from a Minnesota attorney. A private agreement should complement, not contradict, the mortgage and closing documents. ## Documents the Lender May Request [![](https://mnmortgage.com/wp-content/uploads/2026/08/CW5A0066-200x300.jpg)](https://mnmortgage.com/wp-content/uploads/2026/08/CW5A0066-scaled.jpg) Each borrower should be prepared to provide a complete application and supporting documentation, which may include: - Government-issued identification - Social Security number and residence history - Recent paystubs - W-2 forms or tax returns when required - Employment verification - Bank, investment, or retirement statements - Documentation for large deposits - Current housing expense - Statements for mortgages and other debts - Explanations for credit or employment issues - Evidence of the relationship when required by the program - Gift letters and transfer records when applicable The lender may request additional items based on automated underwriting findings and the selected program. Review the [mortgage application process](https://mnmortgage.com/mortgage-process/) and submit complete, readable documents promptly. ## A Step-by-Step Planning Process ### Step 1: Review the Occupying Buyer’s File Alone Determine whether the buyer can qualify independently and identify the specific shortfall. The issue may be income, debts, credit, cash, or a combination. ### Step 2: Evaluate the Proposed Co-Borrower Review their income, assets, credit, housing expense, and debts. Do not assume their income automatically helps. ### Step 3: Compare Loan Programs Conventional and FHA rules can produce different results. VA, USDA, jumbo, and portfolio options require separate analysis. ### Step 4: Discuss Legal and Tax Effects Clarify title, ownership, estate planning, homestead issues, and tax consequences with qualified professionals. ### Step 5: Build a Comfortable Budget Include principal, interest, property taxes, homeowners insurance, mortgage insurance, association dues, utilities, maintenance, and other household costs. ### Step 6: Create an Exit Plan Identify what would need to happen for the occupying borrower to refinance or otherwise release the helper. Treat the plan as a goal, not a promise. ### Step 7: Complete a Full Preapproval Provide documentation for every borrower. First Class Mortgage can compare the available structures and explain the conditions before you make an offer. ## Common Mistakes to Avoid ### Adding Someone Before Calculating Their Debts High income does not always improve DTI when the proposed co-borrower has substantial obligations. ### Assuming the Best Credit Score Controls All borrowers’ credit information can affect underwriting and pricing under program rules. ### Confusing a Gift Donor With a Co-Borrower Giving funds and accepting mortgage liability are different legal and financial actions. ### Ignoring Ownership Questions Title decisions can affect control, taxes, estate planning, and future transactions. ### Promising an Easy Refinance Future qualification, rates, values, and program availability cannot be guaranteed. ### Hiding a Side Agreement All material financing, repayment, occupancy, and ownership arrangements must be disclosed accurately. ### Buying at the Maximum Approval The buyer should choose a sustainable payment even if combined income supports more. ## How First Class Mortgage Can Help Non-occupant co-borrower transactions require careful coordination. First Class Mortgage can review both borrowers’ financial profiles, compare eligible loan programs, explain documentation requirements, and guide the application from preapproval through closing. The team is locally owned and based in Maple Grove, Minnesota. Since 2006, First Class Mortgage has focused on personalized guidance and clear communication for homebuyers and homeowners. A mortgage professional cannot decide the family’s legal or tax arrangement, but they can explain how different borrower structures may affect loan qualification. That early analysis helps the parties make informed decisions before signing a purchase agreement. If you are considering help from a parent, adult child, sibling, or another eligible person, [contact First Class Mortgage](https://mnmortgage.com/contact/) for a personalized review. ## Frequently Asked Questions ### Can my parent co-sign my mortgage in Minnesota? Potentially, yes. The loan program must permit the arrangement, and both parties must meet applicable credit, income, asset, documentation, and legal requirements. ### Does a non-occupant co-borrower have to be a family member? It depends on the program. Certain conventional scenarios may permit an eligible unrelated person, while FHA maximum financing can depend on whether the non-occupying borrower is an eligible family member. Current rules must be reviewed. ### Will my co-borrower’s income help me qualify? Eligible income may help, but the lender also includes qualifying debts and reviews credit. A full application is needed to determine the net effect. ### Does the co-borrower need to be on the deed? Program rules and transaction structure determine title requirements. Ask the lender and a Minnesota real estate attorney or title professional before closing. ### Can the co-borrower make the down payment? Funds may come from an eligible co-borrower in many scenarios, but requirements vary. The lender must document the source and transfer of funds. ### Is a co-borrower responsible if I miss payments? Yes. A person who signs the note is legally responsible for the debt. Late payments can affect all borrowers. ### Can I remove the co-borrower after one year? There is no automatic one-year removal. An eligible refinance, payoff, assumption with release of liability, or another approved process may be required. ### Will co-signing affect the helper’s credit? The mortgage can appear on their credit report, and payment history can affect their credit. The debt may also affect future borrowing. ### Is a larger down payment better than adding a co-borrower? It depends on the qualification issue. More cash can reduce the loan and payment, but it may not solve an income, credit, or program problem. Compare both scenarios. ### Should we get a written family agreement? It may be wise to document payment, ownership, and exit expectations with a qualified attorney. The agreement cannot remove obligations owed to the mortgage lender. ## Final Thoughts A non-occupant co-borrower can help some Minnesota buyers qualify for a home, but the arrangement carries real responsibility. The helping person is not merely providing a stronger credit score. They may be committing their income, credit, assets, borrowing capacity, and legal liability to the mortgage. Start with a clear review of the buyer’s actual shortfall. Then compare loan programs, calculate the combined financial profile, discuss ownership with qualified professionals, and create a realistic exit plan. Ready to see whether a non-occupant co-borrower could fit your situation? [Schedule a conversation with First Class Mortgage](https://mnmortgage.com/contact/) before you begin shopping. --- --- title: "Rate Sheet" slug: "rate-sheet" date: "2022-09-01 17:47:47" author: "LoanSites" --- [vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” text_color=”dark” text_align=”center” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/4″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][/vc_column][vc_column column_padding=”padding-5-percent” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”x_large_depth” column_border_radius=”15px” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” enable_animation=”true” animation=”slight-twist” animation_easing=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][nectar_highlighted_text scribble_color=”#6b8294″ style=”scribble” scribble_thickness=”thin” scribble_speed=”1.8s” scribble_easing=”ease_in_out” delay=”300″] # Today’s Rates [/nectar_highlighted_text][vc_column_text] ## October 2, 2026 **30-Year Fixed:** 7.375% **20-Year Fixed:**7.125% **15-Year Fixed:** 6.750% **10-Year Fixed:** 6.750% **30-Year Fixed FHA:** 7.250% **30-Year Fixed VA:** 7.125% **30-Year Fixed USDA:** 7.250% [/vc_column_text][/vc_column][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/4″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text]Call for information on ARM, Jumbo rates, loan programs & products not listed above. Rates quoted are for business entity information purposes only and not to extend credit per Reg Z. Rates are subject to change without notification. OAC Rates may vary slightly for South Dakota, Wisconsin & Florida. All rates assume credit score of 740 and above. All rates also assume loan amounts between $150,000 and $832,750. *30 year & 20 year fixed Conventional assume 75% LTV. Rates, terms, and fees as of 10:00 a.m. Central Standard Time on 10/2/2026 and subject to change without notice.[/vc_column_text][/vc_column][/vc_row] --- --- title: "Buying a Home With Solar Panels in Minnesota: What Mortgage Borrowers Should Know" slug: "buying-a-home-with-solar-panels-in-minnesota-what-mortgage-borrowers-should-know" date: "2026-09-20 19:59:28" author: "First Class Mortgage" --- ![Buying a Home With Solar Panels in Minnesota: What Mortgage Borrowers Should Know](https://mnmortgage.com/wp-content/uploads/2026/08/500A8466-scaled.jpg) Solar panels can make a Minnesota home attractive to buyers who want to generate electricity onsite, reduce dependence on utility power, or support renewable energy. From a mortgage perspective, however, the panels are not just a feature on the roof. Their ownership, financing, contracts, liens, condition, and transfer terms can affect underwriting, appraisal, title review, insurance, and closing. The key question is not simply whether the property has solar panels. The lender needs to understand who owns the system and what financial obligations follow the home or buyer. An owned system may be treated differently from panels financed through a separate solar loan. A lease or power purchase agreement can require transfer approval. A tax assessment or lien can create additional eligibility questions. Missing contracts can delay closing even when the panels are working correctly. This guide explains what Minnesota homebuyers should investigate before making an offer on a property with solar energy equipment. ## Key Takeaways - Solar ownership and financing must be identified early in the mortgage process. - Fully owned panels, separately financed panels, leases, and power purchase agreements receive different treatment. - The solar obligation may affect debt-to-income ratio, title, loan-to-value calculations, or property eligibility. - The appraiser cannot assign value to every solar system in every transaction. - Buyers should review the solar contract, payoff or transfer terms, warranties, utility records, roof condition, and insurance. - Paying off a solar balance does not automatically clear every lien or filing. - Do not assume advertised energy savings will equal the buyer’s actual future savings. ## Start With One Question: Who Owns the Solar Panels? The seller or listing agent should identify the system’s ownership structure, but the buyer and lender need supporting documents. Common arrangements include: ### Seller-owned system with no debt The seller owns the panels outright, and no separate loan, lease, assessment, or power agreement remains. This may be the simplest arrangement, but title, appraisal, warranty, and insurance questions still need review. ### Seller-owned system with a solar loan The seller owns the equipment but financed the purchase through a separate obligation. The loan may be unsecured, secured by the panels, or connected to another lien or filing. ### Leased solar system A solar company or another party owns the panels, and the homeowner makes lease payments or grants rights under a long-term agreement. The buyer may need to qualify for and assume the lease. ### Power purchase agreement Under a power purchase agreement, commonly called a PPA, another party owns the equipment and the homeowner buys electricity generated by the system under the contract’s pricing terms. ### Property-based assessment Some energy improvements may be connected to a property-tax assessment or similar obligation. These arrangements require careful lender and title review because certain assessments can create a lien or payment priority issue. Ask for the complete agreement rather than relying on a listing description such as solar included or panels paid for. ## Why Solar Ownership Matters to the Mortgage The lender must determine whether the panels are part of the real estate, personal property owned by another party, or collateral for a separate debt. That determination can affect: - Property eligibility - Appraised value - Loan-to-value ratio - Debt-to-income ratio - Title insurance - Lien priority - Insurance requirements - Closing documents - Future sale or refinance rights Fannie Mae and Freddie Mac publish guidelines for properties with solar panels and other energy obligations. Requirements depend on the agreement, ownership, lien status, monthly payment, and whether the equipment can be removed. The mortgage lender cannot rely on the visual presence of panels. Underwriting needs contracts, account statements, title information, and sometimes a payoff or subordination document. ## Fully Owned Solar Panels When the seller owns the solar system without related debt, the equipment may be considered part of the real estate, subject to the appraisal, title, and loan program. The lender may request: - Purchase or installation agreement - Proof of payment - Warranty information - System specifications - Permits and inspection records - Utility interconnection documents - Evidence of no outstanding solar debt - Title confirmation Owned panels do not automatically increase the appraised value by their installation cost. Appraisers analyze how the local market reacts to the system using available comparable sales and accepted appraisal methods. A system that cost $30,000 to install does not necessarily add $30,000 to market value. Age, capacity, energy production, roof condition, warranty, local demand, utility rates, incentives, and comparable data may influence market reaction. ## Solar Loans A separate solar loan can create both underwriting and title questions. The mortgage team may need to determine: - Current balance - Monthly payment - Remaining term - Interest rate - Whether the debt will be paid at closing - Whether the buyer will assume the obligation - Whether the lender filed a lien or UCC financing statement - What property secures the debt - Whether the obligation is included in debt-to-income ratio - Whether the payoff releases all related filings If the seller plans to pay off the loan from sale proceeds, obtain a current payoff statement and confirm the release process. The closing professional may need documentation beyond proof that money was sent. If the buyer will assume or continue the obligation, the mortgage lender must review the agreement and resulting payment. Solar lenders may have their own approval process, and the transfer can take time. Do not agree to handle the solar balance informally after closing. The purchase contract and closing documents should accurately state the approved plan. ## Leased Solar Panels With a lease, the homeowner generally does not own the solar equipment. The contract may require monthly payments and grant the solar provider rights to access, maintain, remove, or repossess the system. The lender may review: - Lease payment - Lease term - Transfer requirements - Escalation clauses - Buyout options - Maintenance responsibilities - Insurance obligations - Provider access rights - Removal and roof-repair provisions - Default remedies - Liens or UCC filings The monthly lease payment may need to be included in the borrower’s debt-to-income ratio. The lender also evaluates whether the agreement creates rights that conflict with the first mortgage. The buyer should request the transfer package immediately after contract acceptance. The solar company may require credit approval, signed forms, fees, or account updates before recognizing the new owner. ## Power Purchase Agreements A PPA usually means the solar provider owns the panels while the homeowner purchases the electricity generated by the system. The price may be fixed, escalate over time, or use another contractual formula. Underwriting treatment depends on current mortgage guidelines and the agreement. The lender may evaluate whether the payment is based on energy usage, whether a minimum purchase is required, how the contract transfers, and what rights the provider holds. Buyers should understand: - Price per unit of electricity - Annual escalator - Minimum payment or production commitment - Contract length - Transfer approval - Early termination or buyout cost - Roof replacement procedure - Performance guarantees - Maintenance and monitoring - End-of-term options A lower recent utility bill does not prove the contract will always save money. Compare the PPA pricing formula with the utility’s current and potential future charges, and review the entire remaining term. ## Solar Liens and UCC Filings [![](https://mnmortgage.com/wp-content/uploads/2026/08/crystalsphotographymn-12-1-200x300.jpg)](https://mnmortgage.com/wp-content/uploads/2026/08/crystalsphotographymn-12-1-scaled.jpg) Solar financing companies may record a lien, security interest, fixture filing, or Uniform Commercial Code financing statement related to the equipment. The exact effect depends on the documents and applicable law. The mortgage lender and title company need to determine whether the solar provider’s interest conflicts with the new first mortgage. Possible solutions may include: - Payoff and release - Termination of a UCC filing - Subordination - Approved recognition agreement - Confirmation that the filing applies only to equipment - Removal of the system Do not assume a UCC filing automatically prevents financing, and do not assume it is harmless. The closing and lending professionals must review the actual filing and agreement. Release timing matters. If a solar loan is paid off at closing but the release will be recorded later, the title company and mortgage lender need an acceptable process for clearing the issue. ## Property-Assessed Energy Debt Property Assessed Clean Energy financing, commonly called PACE, and similar property-based assessments require special attention. Fannie Mae’s Selling Guide states that loans generally are not eligible when a PACE loan remains outstanding because of lien-priority concerns, subject to current policy and any applicable exceptions. Minnesota programs, terminology, and availability can vary. Buyers should not assume every energy assessment is a PACE obligation. Ask the title company, tax authority, seller, and lender to identify the exact program and payment structure. Questions include: - Is the obligation shown on the property tax bill? - Does it create a lien? - What is its priority? - Can it be paid off? - Is there a prepayment charge? - Will the assessment remain with the property? - Does the mortgage program permit it? Resolve the issue before the financing deadline. A property-based obligation can require more time than a normal consumer loan payoff. ## How Solar Payments Affect Debt-to-Income Ratio Debt-to-income ratio compares qualifying monthly debts with qualifying gross monthly income. A required solar payment may need to be included in the calculation. For example, if the original mortgage estimate did not include a $250 monthly solar loan or lease payment, adding that obligation can increase the borrower’s DTI and reduce purchasing capacity. The exact treatment depends on: - Ownership structure - Contract type - Payment terms - Loan program - Whether the debt is paid off - Whether the charge is based only on energy use - Automated underwriting findings - Lender requirements Provide the complete contract and latest statement as early as possible. A screenshot of a payment amount may not show the remaining term, lien status, or transfer requirements. ## How the Appraisal Treats Solar Panels The appraiser reports the property’s relevant features and analyzes market value. Solar value is not based solely on installation cost, tax credits, or projected savings. The appraisal may consider: - Whether the system is owned or leased - System age and apparent condition - Capacity and equipment - Roof relationship - Market acceptance - Comparable sales with solar - Utility information when relevant - Ownership documents available to the appraiser For owned panels, the appraiser may analyze contributory value when credible market evidence supports it. For leased or third-party-owned systems, agency guidelines may restrict including the panel value in the appraised value because the borrower does not own the equipment. The appraiser is not a solar inspector, electrician, structural engineer, or energy-production guarantor. A home inspection and specialized solar evaluation may be appropriate. ## Solar Panels and Loan-to-Value Ratio Loan-to-value ratio compares the mortgage amount with the property’s value under the loan program. Solar ownership can affect which value is used and whether panel debt is treated separately. A buyer should not increase an offer solely because the seller states that the panels add a specific amount of value. The appraisal must support the market value, and the mortgage guidelines determine whether the system can be included. If the property appraises below the purchase price, options may include renegotiation, a larger down payment, appraisal reconsideration when supported, or cancellation under applicable contract terms. The solar installation invoice alone may not support a dollar-for-dollar adjustment. ## Roof Condition Matters Solar panels and the roof function together. A roof nearing the end of its useful life can create additional cost because panels may need to be removed and reinstalled for replacement. Buyers should ask: - How old is the roof? - Were the panels installed before or after the current roof? - Did installation affect the roof warranty? - Who is authorized to remove and reinstall panels? - What will removal and reinstallation cost? - Does the solar contract address roof work? - Are there signs of leaks or attachment damage? - Were installation permits closed? The general home inspector may observe roof and panel conditions from accessible locations but may not test system production or attachment engineering. A licensed roofer, electrician, or qualified solar professional may be needed. ## Minnesota Weather and Solar Systems Minnesota solar systems operate through winter conditions, but buyers should understand how snow, ice, hail, wind, temperature, roof pitch, shading, and seasonal daylight can affect production and maintenance. Questions to investigate include: - Historical annual production - Seasonal production changes - Snow-shedding behavior - Ice or snow accumulation near walkways - Panel condition after hail events - Tree shading - Inverter age - Monitoring-system access - Maintenance history - Manufacturer and installer warranties The Minnesota Department of Commerce provides consumer information about residential solar energy, including planning and working with installers. Use official resources as a starting point, then evaluate the specific system. ## Utility Interconnection and Net Metering Residential solar systems generally operate under a utility interconnection agreement. Excess electricity may receive a credit under applicable utility tariffs, net-metering rules, or program terms. The buyer should request: - Interconnection approval - Utility account history - Recent electric bills - Production reports - Metering arrangement - Applicable credit rate - Transfer requirements - Renewable-energy certificate terms, if any Programs and utility rates can change. The seller’s credits may also reflect personal energy usage that differs from the buyer’s household. Do not calculate mortgage affordability using projected utility savings as though they were guaranteed qualifying income. Mortgage underwriting generally focuses on documented eligible income and liabilities. ## Solar Incentives and Tax Credits [![](https://mnmortgage.com/wp-content/uploads/2026/08/CW5A0005-200x300.jpg)](https://mnmortgage.com/wp-content/uploads/2026/08/CW5A0005-scaled.jpg) The seller may have received federal, state, utility, or local incentives when the system was installed. Those past benefits do not necessarily transfer to the buyer. Buyers should not assume they can claim a tax credit for purchasing an existing home with previously installed panels. Eligibility depends on current tax law and the transaction. Ask a qualified tax professional about: - Previously claimed credits - New improvements after purchase - Renewable-energy certificates - Depreciation for investment property - Basis and resale implications - Lease or PPA treatment The mortgage lender cannot determine tax-credit eligibility or guarantee future program benefits. ## Homeowners Insurance Tell the insurance agent that the property has solar panels and provide ownership information. The insurer may ask about system value, attachment, installer, age, and whether another party owns the equipment. Review whether the policy covers: - Panels attached to the home - Detached ground-mounted arrays - Wind and hail damage - Fire - Theft or vandalism - Electrical damage - Loss of use - Debris removal - Additional equipment - Liability related to third-party ownership Leases and PPAs may assign insurance obligations between the homeowner and provider. The mortgage lender also requires acceptable hazard coverage for the collateral. Obtain a property-specific quote before the insurance deadline. Do not rely on the seller’s current premium or coverage. ## Title and Closing Review The title company or closing attorney searches public records for liens and filings affecting the property. Solar documents may not all appear in the same place, so the seller must provide complete information. The closing team may need: - Solar contract - Latest statement - Payoff letter - Transfer approval - UCC termination - Lien release - Subordination agreement - Provider contact information - Proof of system ownership - Tax assessment details Contract deadlines should allow time for the solar provider to respond. Large national servicing companies and transferred accounts can take longer than expected. ## Questions to Ask the Seller - Do you own, finance, lease, or purchase power from the system? - Who installed it and when? - What is the remaining balance or contract term? - What is the monthly payment? - Does the payment increase over time? - Is there a lien, UCC filing, or property assessment? - Can the agreement transfer to a buyer? - What credit approval is required? - Is there a buyout or prepayment amount? - Are warranties transferable? - What are the system’s annual production records? - Has the roof leaked or been repaired since installation? - Were permits and utility approvals completed? - Have insurance claims involved the roof or panels? Request documents for every answer that can affect the purchase. ## Questions to Ask the Mortgage Team - How will this solar arrangement be classified? - Is the payment included in DTI? - Can the panels be included in appraised value? - Does the solar lien need to be paid, released, or subordinated? - Is the lease or PPA acceptable? - Which documents does underwriting need? - Does the loan program permit the property-based assessment? - Will transfer approval be required before closing? - Does the title company need special instructions? - How could the solar obligation affect cash to close? Share the full contract, not selected pages. Definitions, default rights, transfer provisions, and lien language may appear in exhibits. ## Conventional, FHA, VA, USDA, and Jumbo Considerations Different mortgage programs may evaluate solar arrangements differently. | Loan Type | Possible Solar Review | | --- | --- | | Conventional | Ownership, lien status, appraisal treatment, monthly obligation, title rights, and current agency requirements | | FHA | Property ownership, security interests, payment obligations, appraisal, title, and current HUD requirements | | VA | Ownership, appraisal, title, contracts, property eligibility, and current VA requirements | | USDA | Property eligibility, ownership, title, appraisal, payment obligation, and current USDA requirements | | Jumbo | Investor-specific requirements that may be more restrictive or require additional documentation | Never assume a solar arrangement approved for a prior mortgage will qualify under the buyer’s selected program. Guidelines and lender overlays can change. Explore [First Class Mortgage’s loan programs](https://mnmortgage.com/loan-programs/) for general financing options. ## A Step-by-Step Plan for Buyers ### 1. Identify the ownership structure Determine whether the system is owned, financed, leased, under a PPA, or tied to an assessment. ### 2. Request all documents Obtain the contract, statements, payoff, transfer terms, warranties, utility records, permits, and production history. ### 3. Tell the lender immediately Send the property address and solar package before paying for unnecessary services or allowing deadlines to approach. ### 4. Review title concerns Ask the closing professional to search for liens and UCC filings and confirm the required release or subordination. ### 5. Inspect the roof and system Use qualified professionals to evaluate roof condition, visible installation issues, equipment operation, and maintenance needs. ### 6. Verify insurance Obtain a quote that accurately describes the system and ownership arrangement. ### 7. Review the true monthly cost Include the mortgage payment, solar obligation, utility charges, insurance, taxes, and maintenance. ### 8. Confirm transfer and closing conditions Do not rely on an oral promise that the solar company will transfer the account after closing. Complete required approvals on time. Review [First Class Mortgage’s mortgage process](https://mnmortgage.com/mortgage-process/) to understand how documentation, appraisal, underwriting, and closing fit together. ## Common Buyer Mistakes ### Assuming panels are included because they are attached The equipment may be owned by a third party or subject to a separate debt. ### Waiting for the appraisal to mention solar Send the contract to the lender immediately. The appraiser does not replace underwriting or title review. ### Looking only at the monthly payment Review escalators, term, buyout cost, liens, maintenance, transfer fees, and end-of-contract rights. ### Assuming the system adds its full purchase price to value Appraised value depends on market evidence and mortgage guidelines, not installation cost alone. ### Ignoring roof replacement Removal and reinstallation can make a future roof project more expensive. ### Accepting projected savings as guaranteed Production, usage, utility pricing, weather, shade, and equipment performance change actual savings. ### Paying off the loan without confirming release The title and lender may still need a recorded release or terminated filing. ### Missing the transfer deadline Solar-provider approval can delay closing if started late. ## Frequently Asked Questions ### Can I get a mortgage on a Minnesota home with solar panels? Potentially. Eligibility depends on ownership, financing, lien status, payment, appraisal, title, insurance, property, and loan-program requirements. ### Do owned solar panels increase appraised value? They may contribute value when the borrower owns them and credible market evidence supports an adjustment. Value is not automatically equal to installation cost. ### Does a solar loan count in debt-to-income ratio? It may. The lender reviews the obligation, payment, payoff plan, security interest, and current program rules. ### Can the seller pay off the solar loan at closing? Often this can be structured when the contract permits it, but underwriting and title must approve the payoff and release process. ### Can I assume a solar lease? Possibly. The solar provider may require credit approval, transfer documents, fees, or other conditions. The mortgage lender must also approve the arrangement. ### What is a solar UCC filing? It is a public filing that may identify a security interest in the equipment. Its effect on the mortgage depends on the documents and filing. Title and lending professionals should review it. ### Are solar panels covered by homeowners insurance? Coverage depends on the policy, system type, ownership, location, and cause of loss. Provide complete information to the insurance professional. ### Should I buy a home with leased or financed panels? That depends on the contract, economics, transfer terms, roof, system condition, mortgage eligibility, and your goals. Review the full obligation before deciding. ## Get the Solar Documents Reviewed Early A solar-equipped home can be a strong fit for a Minnesota buyer, but the financing works best when everyone understands the system before closing. Ownership, monthly payments, liens, transfer rules, roof condition, appraisal treatment, and insurance all need to align with the mortgage. First Class Mortgage helps Minnesota homebuyers compare conventional, FHA, VA, USDA, jumbo, renovation, and other financing options. Share the property address and solar documents as early as possible so the team can identify potential underwriting or title requirements. [Schedule a call with First Class Mortgage](https://mnmortgage.com/schedule-a-call/) to discuss your home purchase and mortgage options. --- --- title: "Buying a Minnesota Home With a Private Well and Septic System" slug: "buying-a-minnesota-home-with-a-private-well-and-septic-system" date: "2026-09-24 11:59:56" author: "First Class Mortgage" --- ![Buying a Minnesota Home With a Private Well and Septic System](https://mnmortgage.com/wp-content/uploads/2026/08/CW5A8727-scaled.jpg) Many Minnesota homes rely on a private well for drinking water, a subsurface sewage treatment system for wastewater, or both. These systems are common in rural communities, lake areas, exurban neighborhoods, and properties beyond municipal water and sewer service. A private well or septic system does not automatically prevent mortgage financing. Conventional, FHA, VA, USDA, jumbo, and other loan programs may be available when the borrower and property satisfy current requirements. The transaction can involve additional records, testing, inspections, and repair questions. Minnesota also has well-disclosure requirements at property transfer, while septic rules are administered through state standards and local ordinances. Winter conditions can make underground components more difficult to locate or evaluate, so timing matters. This guide explains what Minnesota homebuyers should know about private wells, septic systems, mortgage underwriting, appraisal, inspections, water quality, county records, and closing. ## Key Takeaways - Private well and septic properties may qualify for several mortgage programs. - The appraisal does not replace a well inspection, septic compliance inspection, or laboratory water test. - Minnesota requires well information to be disclosed during many real estate transfers. - Septic rules are implemented locally, and a county, city, or township may have standards beyond state minimums. - A failed water test or noncompliant septic system may require treatment, repair, replacement, or further review before closing. - Snow, frozen ground, and system accessibility can affect inspection timing. - Buyers should identify every well, septic component, permit, and known repair early in the transaction. ## How Private Wells and Septic Systems Work A private well draws groundwater for household use. The system may include a well casing, cap, pump, pressure tank, electrical controls, water lines, and treatment equipment. Unlike a municipal water customer, the property owner is generally responsible for maintenance and water quality. A septic system treats household wastewater onsite. Minnesota commonly uses the term subsurface sewage treatment system, or SSTS. A typical system includes a pipe from the home, septic tank, and soil treatment area. Alternative designs may use pumps, alarms, multiple tanks, mounds, pressure distribution, advanced treatment, or other components. System design depends on: - Soil conditions - Lot size and shape - Topography - Groundwater and bedrock - Shoreland or floodplain location - Home size and bedroom count - Anticipated wastewater flow - Date of installation - Local ordinance The Minnesota Pollution Control Agency establishes statewide SSTS rules, while local government units implement and enforce requirements. The Minnesota Department of Health regulates wells and provides disclosure and water-quality resources. ## Can You Get a Mortgage on a Minnesota Home With Well and Septic? Potentially, yes. The lender evaluates whether the water supply and wastewater disposal are acceptable for the selected loan program and whether the property remains safe, sanitary, functional, and marketable. The review may consider: - Water source and adequacy - Water-quality results - Well construction and condition - Septic age, type, capacity, and condition - Local permits and compliance records - Location of system components - Separation between the well and contamination sources - Shared-system agreements - Public utility availability - Required repairs - Appraisal findings The borrower’s preapproval does not approve the property. Final approval depends on the appraisal, title, insurance, inspections or tests required by the lender, and completed underwriting conditions. Tell the mortgage team about private utilities before making an offer. A loan structured for a city home may need different documentation for a rural or lake property. ## Minnesota Well Disclosure at Property Transfer Minnesota has specific well-disclosure requirements for real estate transfers. The Minnesota Department of Health explains that sellers must provide information about known wells on the property and that a Well Disclosure Certificate may be required when a Certificate of Real Estate Value is filed. The disclosure process may address: - Number of wells on the property - Location of each well - Status of each well - Minnesota unique well number when available - Whether a well is in use, not in use, or sealed - Changes since a prior disclosure If no wells exist, the deed may include the required statement. If a prior disclosure remains accurate, the transfer documents may be handled differently than when the number or status of wells has changed. The disclosure is not a water-quality test or condition guarantee. It is a property-transfer record. Buyers should compare the disclosure with the physical property, Minnesota Well Index information, inspection findings, and seller statements. Questions should be raised when: - A visible casing is not listed - An old farmhouse or outbuilding may have an abandoned well - The disclosure says sealed but no sealing record is available - The well number cannot be confirmed - More than one residence or structure is served - The property has undergone redevelopment An unused well can provide a direct pathway for contamination if it is not properly sealed. A licensed well contractor and the Minnesota Department of Health can provide property-specific guidance. ## Well Records and the Minnesota Well Index The Minnesota Well Index contains records for many wells constructed in the state. A record may show construction date, depth, casing, geological information, contractor, and location. Not every well will have a complete or easily matched record. Older wells may predate current reporting, addresses may change, and mapped locations may be approximate. Buyers can use available records to ask better questions: - How old is the well? - How deep is it? - What aquifer or formation does it use? - Who constructed it? - Were repairs or alterations documented? - Is the visible well the same one described in the record? Records do not replace a current inspection or water test. They provide background for the buyer, well contractor, laboratory, lender, and local officials. ## Water Testing Clear water can still contain contaminants. Private-well owners are responsible for testing and maintaining their drinking water. The Minnesota Department of Health provides current testing recommendations and maintains information about accredited laboratories. The appropriate test panel depends on the location, well, household, local concerns, and loan requirements. Potential tests may include: - Coliform bacteria - Nitrate - Arsenic - Lead - Manganese - Other location-specific contaminants A basic mortgage water test may cover fewer contaminants than the buyer wants for health planning. Ask the lender which tests are required, then ask the local health department or accredited laboratory whether additional testing is appropriate. Sampling must follow laboratory instructions. Using the wrong faucet, removing an aerator incorrectly, disinfecting immediately before the sample, touching the bottle, or delivering it late can affect results. Keep the complete laboratory report rather than only a message that says pass or fail. ## What Happens if the Water Test Is Unsatisfactory? The appropriate response depends on the contaminant, concentration, source, well construction, treatment options, and loan program. Possible next steps include: - Resampling under approved procedures - Well disinfection - Well repair - Treatment equipment - Connecting to another water source - Drilling a replacement well - Further environmental investigation Treatment equipment does not solve every issue. The lender may require evidence that the solution produces acceptable water and will remain with the property. A follow-up test may be needed. Do not install a treatment device solely because a seller or unqualified party says it will satisfy the mortgage. Coordinate the plan with the lender, accredited laboratory, qualified well contractor, and health authority. ## What a Well Inspection May Cover Inspection scope varies by provider. Ask what is included before hiring anyone. A well evaluation may address: - Visible casing and cap - Location and accessibility - Pump operation - Pressure tank and controls - Water pressure and flow - Electrical components - Visible leakage - Treatment equipment - Separation concerns - Available construction records - Water sampling A short flow test shows how the system performs during the inspection. It may not predict drought performance, seasonal groundwater changes, equipment life, or long-term household demand. The home inspector may review accessible well components but is not necessarily a licensed well contractor or laboratory sampler. Specialized evaluation may be prudent. ## Septic Disclosure and Local Requirements Minnesota’s SSTS rules include property-transfer disclosure provisions, while local ordinances determine when a compliance inspection is required and how the transfer process works. Requirements can differ by county, city, township, shoreland area, watershed, or property type. A local government may require an inspection: - At property transfer - When a permit is requested - After a complaint - When adding bedrooms - In shoreland areas - When records are incomplete - When the system is old - At another locally defined event Contact the responsible local SSTS authority for the parcel. Do not assume the rule from a neighboring county applies. Ask for: - Original permit - Design and site plan - Installation record - Prior compliance inspections - Pumping records - Repair permits - Variance records - Bedroom capacity - System type and age Missing records do not automatically mean the system fails, but they can increase the work required to establish its status. ## Compliance Inspections [![](https://mnmortgage.com/wp-content/uploads/2026/08/CW5A9798-300x200.jpg)](https://mnmortgage.com/wp-content/uploads/2026/08/CW5A9798-scaled.jpg) A septic compliance inspection evaluates the system against applicable Minnesota rules and local requirements. It is different from pumping the tank or conducting a general home inspection. Depending on the system and site, the inspector may review: - Tank condition and watertightness - Baffles and access points - Pumps, floats, controls, and alarms - Soil treatment area - Separation to groundwater or limiting conditions - Surfacing sewage - Pipe connections - System location - Signs of imminent threat to public health or safety - Required records The report may identify the system as compliant, noncompliant, an imminent threat, or another classification allowed by current rules. Buyers should ask how long the inspection remains valid, whether seasonal limitations apply, and whether the local authority must review the report. ## Pumping Is Not the Same as Compliance Pumping removes accumulated solids and liquids from the septic tank. It is important maintenance, but it does not prove that the tank, pump, piping, mound, or soil treatment area complies or functions correctly. A seller may say the tank was recently pumped. Ask for the receipt and any observations from the service provider, but do not treat pumping as a substitute for an inspection required by the contract, local authority, or lender. Similarly, drains flowing normally during a showing do not prove the system will handle sustained household use. ## Bedroom Count and Septic Capacity Septic systems are designed for an anticipated wastewater flow, and bedroom count can be a major factor. A listing may advertise four bedrooms while the septic permit supports only three. This mismatch may affect: - Appraisal - Marketability - Local compliance - Insurance - Future remodeling - Resale - Mortgage eligibility Compare the listing, appraisal, county records, floor plan, and septic permit. A room’s use as an office or den does not necessarily resolve how local rules define a bedroom. If the records conflict, contact the local SSTS authority and lender before the financing and inspection deadlines expire. ## Common Warning Signs of Septic Trouble Possible warning signs include: - Sewage odors - Slow drains throughout the home - Gurgling fixtures - Plumbing backup - Wet or unusually green areas above the system - Surfacing wastewater - Active alarm lights or sounds - Broken tank lids - Vehicle traffic over the treatment area - Large trees or structures over components Frozen soil, spring saturation, or recent pumping can make symptoms harder to interpret. Use a licensed Minnesota SSTS professional for a property-specific evaluation. ## Winter Inspections in Minnesota Snow and frozen ground can limit access to septic tanks, inspection pipes, mounds, wells, and soil treatment areas. Records and proper system marking become especially important during winter transactions. Potential winter challenges include: - Components hidden by snow - Frozen tank covers - Inaccessible inspection pipes - Inability to complete certain soil observations - Frozen water lines - Limited excavation - Delayed repair work - Weather-dependent laboratory transport Do not assume an inspection can be postponed until spring without lender and contract approval. The mortgage program, local authority, purchase agreement, and property condition determine what must be completed before closing. If a complete inspection is not possible, the parties should obtain written guidance from the lender and local authority. An escrow or holdback may be available in limited circumstances, but it is not guaranteed. ## Shoreland, Lake, and Cabin Properties Minnesota lake homes and cabins may have older wells, holding tanks, seasonal water systems, privies, gray-water arrangements, or septic systems in constrained areas. Ask whether the property is: - Seasonal or year-round - Served by a buried well or lake-water system - Equipped with a holding tank - Subject to shoreland rules - Accessible for pumping trucks - Winterized - Connected to shared utilities - Scheduled for municipal sewer or water A property marketed as a cabin may not meet the mortgage program’s requirements for a year-round residence. The lender evaluates utilities, access, heating, water, wastewater, and marketability. First Class Mortgage already offers a related general article about [buying a lake place or vacation home](https://mnmortgage.com/8-things-to-know-before-you-buy-a-lake-place-or-vacation-home/). This new guide focuses specifically on private utilities and mortgage documentation. ## Shared Wells A shared well serves more than one property. It may be operated through a recorded agreement, association, easement, or informal neighbor arrangement. The lender may need to review: - Recorded well agreement - Access rights - Maintenance responsibilities - Cost allocation - Repair and replacement provisions - Water-testing responsibilities - Number of properties served - Shutoff or enforcement rights - Insurance - Program eligibility An informal agreement may not provide the protections required by the mortgage program. Ask the title company and lender to review the recorded documents early. The buyer should also understand who controls treatment, testing, and emergency repairs. ## Shared or Community Septic Systems Some developments use a shared septic system or community wastewater arrangement. The lender may evaluate ownership, maintenance, reserves, permits, capacity, legal access, and payment obligations. Questions include: - Who owns the system? - Is there an association? - What fees apply? - Are reserves adequate? - Who pays for a major repair? - Is the system properly permitted? - How many homes are served? - Are easements recorded? - Are payments delinquent? These obligations may function similarly to association dues and can affect debt-to-income calculations. ## Well and Septic Separation [![](https://mnmortgage.com/wp-content/uploads/2026/08/CW5A9806-200x300.jpg)](https://mnmortgage.com/wp-content/uploads/2026/08/CW5A9806-scaled.jpg) Wells must be protected from contamination sources. Applicable separation distances depend on system design, well construction, local rules, and property conditions. Potential sources include: - Septic tanks - Soil treatment areas - Property lines - Fuel tanks - Livestock areas - Chemical storage - Surface water - Neighboring systems Do not estimate compliance from an online aerial image or by walking the yard. A site plan, survey, well record, septic design, or qualified inspection may be needed. If a neighboring septic system is close to the well, the buyer may need information beyond the subject property’s records. ## What If Public Utilities Are Available? The availability of municipal water or sewer can create connection questions. A local authority or loan program may require connection under certain conditions. Connection costs can include: - Water or sewer access charges - Assessments - Trenching - Plumbing changes - Well sealing - Septic abandonment - Permits - Road restoration - Meter installation - Ongoing utility charges Ask the city, township, county, utility, lender, and title company whether connection is optional, required, pending, or subject to an assessment. A public pipe near the road does not prove the home can connect immediately or affordably. ## The Appraisal Is Not a System Inspection The appraiser provides an opinion of market value and reports observable property characteristics. The appraiser may note private utilities, visible defects, standing wastewater, unusual odors, damaged components, or marketability concerns. The appraiser does not normally: - Pump the septic tank - Open every component - Certify septic compliance - Test all well equipment - Analyze water in a laboratory - Predict remaining system life - Guarantee year-round water quantity An appraisal completed without a repair condition does not promise that the systems are problem-free. ## Mortgage Program Considerations Requirements vary by program, lender, property, and appraisal findings. | Loan Type | Possible Well and Septic Review | | --- | --- | | Conventional | Appraisal observations, local compliance, lender requirements, title, property condition, and marketability | | FHA | Safe and adequate water, sanitary wastewater disposal, property standards, local requirements, and appraisal findings | | VA | Safe water, sanitary disposal, local requirements, appraisal, and lender documentation | | USDA | Property eligibility, adequate utilities, local standards, appraisal, and program requirements | | Jumbo | Investor-specific inspections, tests, reserves, or documentation | One lender’s checklist does not establish another program’s requirements. Ask the mortgage team to review the exact property and loan. Explore [First Class Mortgage’s loan programs](https://mnmortgage.com/loan-programs/) for general financing information. ## Repairs and Closing A failed water test, damaged well, noncompliant septic system, or imminent health threat can affect loan approval. The lender determines which conditions must be corrected before closing. Possible solutions may include: - Seller-completed repair - Well disinfection and retesting - Treatment equipment and follow-up testing - Pump or pressure-tank replacement - Septic tank repair - Pump, alarm, or control repair - Replacement soil treatment system - New well - Connection to public utilities - An approved renovation-loan structure Major work may require soil evaluation, design, permits, contractors, weather, and local approval. Closing extensions may be necessary. First Class Mortgage offers [renovation loan options](https://mnmortgage.com/loan-programs/rehab/) for qualified properties and borrowers. Not every health or safety condition can be handled after closing, so obtain approval before relying on a repair escrow or renovation structure. ## Budgeting for Private Utilities Private systems eliminate some municipal utility charges but make the homeowner responsible for maintenance and replacement. Potential costs include: - Water testing - Well pump replacement - Pressure tank and control repairs - Water treatment and filters - Septic pumping - Compliance inspections - Tank or baffle repairs - Pump and alarm service - Mound or drain-field replacement - Snow removal for service access - Emergency plumbing - Well sealing Costs vary widely by property and system. Build a reserve based on professional estimates rather than a generic national average. Use First Class Mortgage’s [mortgage calculator](https://mnmortgage.com/mortgage-calculator/) for an early payment estimate, then add realistic maintenance and replacement savings. ## A Step-by-Step Plan for Minnesota Buyers ### 1. Tell the lender about private utilities Share the listing, address, county, intended occupancy, and loan program before making assumptions about requirements. ### 2. Request records immediately Obtain the Well Disclosure Certificate, well log, septic permit, design, pumping receipts, inspections, repair invoices, water tests, and warranties. ### 3. Contact the local authorities Confirm well information with the Minnesota Department of Health and septic requirements with the responsible local SSTS program. ### 4. Write appropriate contract protections Discuss inspection, water testing, septic compliance, appraisal, repair, and financing contingencies with real estate and legal professionals. ### 5. Hire qualified providers Clarify the scope of the home inspection, well evaluation, water sampling, septic pumping, and compliance inspection. ### 6. Plan around the season Determine whether snow or frozen ground could limit inspection or repair work. ### 7. Send reports to the lender Provide complete reports, laboratory results, estimates, and permits promptly. ### 8. Confirm repair completion Ask whether reinspection, retesting, invoices, permits, or appraiser verification is needed before closing. Review [First Class Mortgage’s mortgage process](https://mnmortgage.com/mortgage-process/) to understand how appraisal and underwriting fit into the transaction. ## Common Buyer Mistakes ### Treating the well disclosure as an inspection Disclosure identifies wells and status information. It does not establish water quality or equipment condition. ### Assuming clear water is safe Some contaminants have no obvious taste, smell, or color. Use an accredited laboratory and appropriate test panel. ### Confusing septic pumping with compliance Pumping is maintenance, not a complete system evaluation. ### Ignoring the permitted bedroom count The septic design may support fewer bedrooms than the listing advertises. ### Waiting until winter to locate components Snow and frozen ground can delay access, inspection, and repairs. ### Building over the septic area Decks, pools, sheds, additions, driveways, trees, and vehicle traffic can damage components or remove replacement space. ### Assuming every county follows the same process Local ordinances can be stricter than state minimums. ### Relying on mortgage approval as a condition guarantee Loan approval does not promise that a well or septic system will never fail. ## Frequently Asked Questions ### Is a well test required when buying a home in Minnesota? Requirements depend on the loan program, lender, local authority, property, and contract. Buyers may choose broader testing than the mortgage requires. ### Does Minnesota require a well disclosure when a home is sold? Minnesota requires well information at many property transfers. The required deed statement or Well Disclosure Certificate depends on the property and prior filings. Confirm the current process with the Minnesota Department of Health and closing professional. ### Is a septic inspection required at every Minnesota home sale? Not under one identical statewide process for every parcel. Local ordinances determine when a compliance inspection is required, and the lender or contract may add requirements. ### Can I get an FHA loan on a home with well and septic? Potentially. The borrower and property must satisfy current FHA and lender requirements, including safe water and sanitary wastewater disposal. ### Can a septic inspection be completed during winter? Sometimes, but snow, frozen ground, access, system type, and local rules can limit the work. Ask the local authority and licensed inspector early. ### What if the septic system is noncompliant? The response depends on the classification, local enforcement, repair design, loan program, and contract. The lender may require correction before closing. ### Can the seller pay for a new well or septic system? The parties may negotiate repairs, but the lender must approve the structure. Permits, completion, inspection, and appraisal documentation may be required. ### How often should a septic tank be pumped? The proper schedule depends on household use, tank size, solids accumulation, system type, and professional guidance. Ask a licensed SSTS provider about the specific system. ## Get Property-Specific Mortgage Guidance A Minnesota home with a private well and septic system can be an excellent fit, especially for buyers seeking more land, rural living, or lake access. The safest approach is to understand the systems before closing and coordinate records, inspections, testing, repairs, and mortgage requirements early. First Class Mortgage guides buyers through conventional, FHA, VA, USDA, jumbo, renovation, and other financing options. Share the property address and private-utility documents with the team as soon as possible so potential underwriting issues can be identified before closing. [Schedule a call with First Class Mortgage](https://mnmortgage.com/schedule-a-call/) to discuss your Minnesota home purchase and financing options. --- --- title: "What Happens If a Home Appraisal Comes in Low in Minnesota?" slug: "what-happens-if-a-home-appraisal-comes-in-low-in-minnesota" date: "2026-09-16 10:18:33" author: "First Class Mortgage" --- ![What Happens If a Home Appraisal Comes in Low in Minnesota?](https://mnmortgage.com/wp-content/uploads/2026/08/CW5A8985-scaled.jpg) When a home appraisal comes in below the accepted purchase price, the mortgage is generally based on the lower appraised value—not automatically on the amount the buyer offered. This can create an appraisal gap that may require a change to the price, loan structure, buyer’s cash contribution, or purchase agreement. A low appraisal does not necessarily mean the transaction is over. Buyers may be able to review the report for errors, request a reconsideration of value through the lender, renegotiate with the seller, contribute additional eligible funds, adjust the financing, or use rights provided by the purchase agreement. The right response depends on the appraisal, loan program, available funds, contract terms, and the priorities of both parties. Contact your loan officer and real estate professional before agreeing to a solution or moving money. ## Key Takeaways - The lender uses the appraised value to evaluate the property securing the mortgage. - An appraisal below the purchase price can increase the buyer’s required cash or change the permitted loan amount. - Buyers and sellers may renegotiate, but neither party is automatically required to accept new terms. - A reconsideration of value should identify factual errors or provide relevant market evidence—not simply disagree with the result. - The purchase agreement determines whether an appraisal or financing contingency provides options to cancel or renegotiate. - Do not waive protections or commit extra funds without understanding the financing and contract consequences. ## What Is a Low Home Appraisal? A low appraisal occurs when the appraiser’s opinion of market value is less than the price in the signed purchase agreement. For example, suppose a buyer and seller agree on a price of $425,000, but the home appraises for $410,000. The difference is a $15,000 appraisal gap. That gap is not automatically added to the mortgage. Mortgage programs use loan-to-value calculations and other requirements to determine the maximum eligible loan based on the property’s accepted value. If the appraised value is lower than the purchase price, the planned financing may no longer produce the same loan amount or cash-to-close figure. An appraisal is different from a home inspection. An appraisal helps the lender evaluate value and property eligibility. An inspection is primarily for the buyer’s understanding of the home’s condition. First Class Mortgage explains the broader distinction in [Home Inspection vs. Appraisal: What Is the Difference for Minnesota Buyers?](https://mnmortgage.com/home-inspection-vs-appraisal-what-is-the-difference-for-minnesota-buyers/). ## Why Do Appraisals Come in Below the Offer Price? A low appraisal does not always mean someone made a mistake. The appraiser analyzes the property and available market evidence, while an offer reflects what a particular buyer and seller agreed to under specific conditions. Possible reasons include: - Recent comparable sales support a lower value. - The market changed after nearby homes went under contract. - The offer included an appraisal gap or aggressive bidding strategy. - The home has unique features that are difficult to compare. - Its condition, quality, location, or functional characteristics differ from nearby sales. - Seller concessions or other contract terms affect the analysis. - Public records contain incorrect square footage, room counts, or property details. - Relevant closed sales were missed or became available after the effective date. The appraiser’s role is to provide an independent opinion of value. The loan officer, buyer, seller, and real estate agents do not choose the value they prefer. ## How a Low Appraisal Changes the Mortgage Math The exact impact depends on the loan program and planned loan-to-value ratio. Consider a simplified example: | Item | Original plan | After low appraisal | | --- | --- | --- | | Purchase price | $425,000 | $425,000 | | Appraised value | $425,000 expected | $410,000 actual | | Illustrative 90% loan-to-value loan | $382,500 | $369,000 | | Difference in potential loan amount | — | $13,500 less | This illustration is not a loan quote. It simply shows why the buyer’s cash requirement can change when the value used for underwriting declines. Mortgage insurance, program limits, minimum contributions, reserves, closing costs, and other factors may also affect the final figures. Ask your loan officer for an updated scenario rather than assuming the buyer must cover the appraisal gap dollar for dollar. The financing effect may be different from the simple difference between price and value. ## Option 1: Review the Appraisal for Errors or Missing Information Start by reading the appraisal carefully. Borrowers generally have a right to receive a copy of appraisals and other written valuations developed in connection with a first-lien mortgage application. Your lender can explain when and how the report will be delivered. Look for objective issues such as: - Incorrect living area, lot size, bedroom count, or bathroom count - Incorrect property type or condition rating - Renovations or permanent features that were not considered - Comparable sales with material differences that were not adjusted appropriately - More relevant closed sales that were available as of the appraisal’s effective date - Incorrect information about the neighborhood or property location An appraisal is not necessarily wrong because an automated estimate, listing price, tax assessment, or buyer’s offer is higher. Strong feedback identifies specific facts and provides reliable supporting information. ## Option 2: Request a Reconsideration of Value [![](https://mnmortgage.com/wp-content/uploads/2026/07/crystalsphotographymn-7-200x300.jpg)](https://mnmortgage.com/wp-content/uploads/2026/07/crystalsphotographymn-7-scaled.jpg) A reconsideration of value, often called an ROV, is a request for the appraiser to reassess the analysis using identified errors, omissions, or additional relevant information. The request normally goes through the lender or appraisal-management process. Buyers and real estate professionals should not pressure or attempt to influence the appraiser directly. Federal financial regulators have published guidance encouraging institutions to maintain clear ROV processes that preserve appraisal independence while allowing consumers to raise legitimate concerns. A useful ROV package may include: - A short explanation of each factual error - Documents supporting corrected property information - A limited set of genuinely comparable closed sales - Explanation of why a proposed comparable is more relevant - Evidence of a completed improvement that existed on the appraisal date Avoid sending a long list of higher-priced homes that differ substantially from the subject property. Quality is more useful than quantity. An ROV is a request for review, not a guarantee that the appraised value will change. The appraiser may correct the report, revise the value, or determine that the original conclusion remains supported. ## Option 3: Renegotiate the Purchase Price The buyer may ask the seller to reduce the purchase price to the appraised value or another agreed amount. Whether the seller accepts may depend on market conditions, backup offers, the size of the gap, and the seller’s timeline. A price reduction can narrow or eliminate the gap, but the buyer should still request updated loan figures. A lower price may change the down payment, mortgage insurance, closing-cost percentages, and cash required at closing. The purchase agreement and any appraisal or financing contingency affect the parties’ obligations. Your real estate agent or attorney can explain the contract; the mortgage team can explain how a proposed price affects the loan. ## Option 4: Split the Difference With the Seller The buyer and seller may agree to share the gap. For example, the seller could reduce the price by part of the shortfall while the buyer contributes additional eligible funds for the remainder. Before agreeing, confirm: - The revised purchase price - The buyer’s updated down payment and cash to close - Whether the buyer still satisfies reserve requirements - Whether any seller-paid costs or concessions also change - Whether an amendment must be delivered to underwriting Do not treat the compromise as final until the real estate and mortgage teams have reviewed the same written terms. ## Option 5: Increase the Buyer’s Cash Contribution A buyer with sufficient verified funds may choose to pay more out of pocket while keeping the agreed purchase price. This can preserve the transaction, but it also means investing more cash in a property than the appraised value supports at that time. Before choosing this route, consider the effect on: - Emergency savings - Required mortgage reserves - Closing costs and prepaid expenses - Moving, repair, and furnishing budgets - The planned loan-to-value ratio - Mortgage insurance or pricing Any added money must come from an acceptable, documented source. If family assistance will be used, review First Class Mortgage’s guide to [gift funds for a down payment in Minnesota](https://mnmortgage.com/gift-funds-for-down-payment-minnesota/) and talk with the loan officer before funds are transferred. ## Option 6: Adjust the Loan Structure Depending on the borrower’s qualifications and available programs, the mortgage team may be able to model a different down-payment amount, loan product, or financing structure. This does not mean every low appraisal can be solved by switching loans. A different program may introduce new eligibility rules, mortgage insurance, property standards, interest-rate considerations, or closing timelines. The goal is to understand the available numbers—not to force the transaction into a product that no longer fits the buyer. First Class Mortgage can compare multiple available loan options and explain the tradeoffs based on the buyer’s complete financial profile. ## Option 7: Use Contract Rights or Walk Away Some purchase agreements include appraisal or financing protections that may allow a buyer to renegotiate or cancel under defined circumstances. Other offers waive or limit those protections, include a specified appraisal-gap amount, or set strict notice deadlines. Do not assume that a low appraisal automatically allows cancellation or guarantees the return of earnest money. Those outcomes depend on the signed agreement and whether its requirements and deadlines are followed. Contact your real estate agent or attorney promptly for advice about the contract. The loan officer can provide updated financing information but cannot interpret the buyer’s legal rights under the purchase agreement. For a broader view of the transaction timeline, read [What Happens After Your Offer Is Accepted on a Home in Minnesota?](https://mnmortgage.com/what-happens-after-your-offer-is-accepted-on-a-home-in-minnesota/). ## How Low Appraisals May Differ by Loan Program Conventional, FHA, VA, USDA, and jumbo loans do not always handle appraisal reviews and property requirements in the same way. For example, VA loans have a formal Tidewater process that may allow additional market data to be submitted before a final Notice of Value when the appraiser indicates the value may fall below the sale price. VA also provides a reconsideration-of-value process after the valuation is issued. This procedure is specific to VA lending and should not be assumed to apply to another program. FHA loans use FHA appraisal and review requirements. Conventional loans follow the applicable agency, investor, and lender rules. Jumbo loans may follow investor-specific processes. Ask the mortgage team which process applies before preparing a challenge or changing the transaction. ## What Not to Do After a Low Appraisal - Do not contact or pressure the appraiser directly. - Do not submit misleading property information or unrelated comparable sales. - Do not move large amounts of money without discussing documentation. - Do not open new credit to cover the gap without telling the lender. - Do not drain required reserves or emergency funds based on an estimate. - Do not miss contract, financing, or appraisal-response deadlines. - Do not assume a second appraisal can simply be ordered until the lender confirms that option is permitted. - Do not let the closing date approach without a written, approved plan. ## A Low-Appraisal Action Checklist ### First 24 hours - Request or review the complete appraisal report. - Ask the loan officer for updated financing and cash-to-close figures. - Notify the real estate professional immediately. - Identify relevant contract deadlines. - Separate objective report issues from simple disagreement with the value. ### If considering an ROV - List specific factual errors. - Gather reliable supporting documents. - Select only genuinely comparable closed sales. - Submit information through the lender’s approved process. - Continue evaluating other options because the value may not change. ### Before agreeing to new terms - Obtain the proposed price or contribution in writing. - Review updated loan figures. - Confirm the source and documentation of any additional funds. - Recheck reserves, closing costs, and post-closing savings. - Confirm underwriting and closing can meet the revised timeline. ## Work Through the Appraisal Gap With a Clear Plan A low appraisal can feel like a setback, especially after finding a home and negotiating an accepted offer. The best response is a coordinated one: understand the report, confirm the financing impact, review the contract, and compare the available paths before making a decision. First Class Mortgage has helped homebuyers navigate the mortgage process from pre-approval through closing since 2006. Our locally owned Maple Grove team can explain how an appraised value affects your loan, update your scenarios, and coordinate with the professionals involved in your Minnesota purchase. [Schedule a call with First Class Mortgage](https://mnmortgage.com/schedule-a-call/) or [start your purchase pre-approval](https://www.blink.mortgage/app/signup/p/firstclassMG?campaign=home) to plan your financing before you make an offer. ## Frequently Asked Questions ### Does a low appraisal mean the seller must lower the price? No. The buyer may request a price reduction, but the seller is not automatically required to agree. The purchase agreement and negotiations determine what happens next. ### Does a low appraisal mean the mortgage is denied? Not necessarily. The original loan structure may need to change, but buyers may have options such as renegotiating, contributing more eligible funds, requesting an ROV, or reviewing another loan structure. Qualification and program rules still apply. ### Can a buyer challenge a low appraisal? A borrower may be able to request a reconsideration of value through the lender’s established process. A strong request identifies factual errors, omissions, or relevant market evidence. It does not guarantee a different value. ### Can the buyer order a second appraisal? A second appraisal is not automatically available simply because the first value is unfavorable. Whether another appraisal is permitted depends on the loan program, lender requirements, and circumstances. Ask the lender before ordering or paying for anything. ### Who pays an appraisal gap? There is no universal answer. The buyer may contribute more cash, the seller may reduce the price, both parties may compromise, or the transaction may proceed another way allowed by the financing and contract. ### Can gift funds cover an appraisal gap? Eligible gift funds may help with the buyer’s required funds under some mortgage programs, but donor, documentation, contribution, reserve, and property rules apply. Confirm eligibility with the loan officer before money is transferred. --- --- title: "Financing With Purpose" slug: "financing-with-purpose" date: "2026-08-18 21:22:37" author: "kaye@loansites.com" --- [vc_row type=”full_width_background” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” bg_image=”16182″ bg_position=”center bottom” background_image_loading=”default” bg_repeat=”no-repeat” full_height=”yes” scene_position=”center” text_color=”light” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” enable_gradient=”true” color_overlay=”#9cb3c3″ advanced_gradient_angle=”0″ overlay_strength=”0.95″ gradient_direction=”left_to_right” enable_shape_divider=”true” shape_divider_color=”#ffffff” shape_divider_position=”bottom” shape_divider_height=”550″ bg_image_animation=”none” video_mute=”true” shape_type=”waves_opacity_alt” 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use_theme_fonts=”yes” css=””][vc_column_text css=”” text_direction=”default”]At First Class Mortgage, giving back isn’t just a marketing initiative. It’s part of who we are. For 20 years, we’ve believed that homeownership strengthens families, neighborhoods, and communities. Through our Financing With Purpose program, your home loan can help make a meaningful difference in the community.[/vc_column_text][nectar_btn size=”large” button_style=”regular” button_color_2=”Accent-Color” icon_family=”none” text=”Contact Us to Learn More” url=”/contact/”][/vc_column][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][image_with_animation image_url=”16698″ image_size=”full” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”none” alignment=”” border_radius=”10px” box_shadow=”large_depth” image_loading=”default” max_width=”100%” max_width_mobile=”default”][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” top_padding=”3%” constrain_group_1=”yes” bottom_padding=”3%” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/6″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”center” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”2/3″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][vc_column_text css=”.vc_custom_1787109219201{margin-bottom: 0px !important;}” text_direction=”default”]YOUR LOAN CAN MAKE AN IMPACT[/vc_column_text][vc_custom_heading text=”Home Financing With a Purpose” use_theme_fonts=”yes” css=””][vc_column_text css=”” text_direction=”default”]Your loan doesn’t just close. It creates impact. Through our Financing With Purpose program, you can choose from the nonprofit organizations we support. When your loan originates, First Class Mortgage will donate 10% of your origination charge to the organization you select, cutting a check in your honor.[/vc_column_text][/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/6″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=”yes” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” top_padding=”2%” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”padding-5-percent” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”center” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”large_depth” column_border_radius=”10px” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/3″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][vc_custom_heading text=”01″ font_container=”tag:h3|text_align:left” use_theme_fonts=”yes” css=””][vc_column_text css=”” text_direction=”default”]**Choose Your Nonprofit** Explore the nonprofit organizations we support and choose the one that means the most to you.[/vc_column_text][/vc_column_inner][vc_column_inner column_padding=”padding-5-percent” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”center” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”large_depth” column_border_radius=”10px” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/3″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][vc_custom_heading text=”02″ font_container=”tag:h3|text_align:left” use_theme_fonts=”yes” css=””][vc_column_text css=”” text_direction=”default”]**Close Your Home Loan** Work with your First Class Mortgage loan officer to complete your home financing.[/vc_column_text][/vc_column_inner][vc_column_inner column_padding=”padding-5-percent” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”center” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”large_depth” column_border_radius=”10px” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/3″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][vc_custom_heading text=”03″ font_container=”tag:h3|text_align:left” use_theme_fonts=”yes” css=””][vc_column_text css=”” text_direction=”default”]**Make an Impact** Once your loan originates, we’ll donate 10% of your origination charge to the nonprofit you selected, in your honor.[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” top_padding=”3%” constrain_group_1=”yes” bottom_padding=”3%” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/6″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”center” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”2/3″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][vc_column_text css=”.vc_custom_1787109371521{margin-bottom: 0px !important;}” text_direction=”default”]WHO WE SUPPORT[/vc_column_text][vc_custom_heading text=”Organizations Making a Difference” use_theme_fonts=”yes” css=””][vc_column_text css=”” text_direction=”default”]We’re proud to support local organizations doing real, lasting good for families, neighbors, and communities.[/vc_column_text][/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/6″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=”yes” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” top_padding=”2%” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”padding-3-percent” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”center” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”large_depth” column_border_radius=”10px” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][vc_custom_heading text=”CROSS” font_container=”tag:h3|text_align:left” use_theme_fonts=”yes” css=””][vc_column_text css=”” text_direction=”default”]Supporting individuals and families through practical resources, care, and community-focused programs.[/vc_column_text][nectar_btn size=”medium” open_new_tab=”true” button_style=”regular” button_color_2=”Accent-Color” icon_family=”none” text=”Start an Application Where Your Origination Gives Back to This Nonprofit” url=”/peace-of-mind-housing-fund/#apply-today”][/vc_column_inner][vc_column_inner column_padding=”padding-3-percent” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”center” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”large_depth” column_border_radius=”10px” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][vc_custom_heading text=”Magnus” font_container=”tag:h3|text_align:left” use_theme_fonts=”yes” css=””][vc_column_text css=”” text_direction=”default”]Supporting the mission of Magnus and the people they serve through meaningful community impact by giving back to Veterans and their families.[/vc_column_text][nectar_btn size=”medium” open_new_tab=”true” button_style=”regular” button_color_2=”Accent-Color” icon_family=”none” text=”Start an Application Where Your Origination Gives Back to This Nonprofit” url=”/partnership-with-magnus-foundation/#apply-today”][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=”yes” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” top_padding=”2%” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”padding-3-percent” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”center” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”large_depth” column_border_radius=”10px” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][vc_custom_heading text=”Every Meal” font_container=”tag:h3|text_align:left” use_theme_fonts=”yes” css=””][vc_column_text css=”” text_direction=”default”]Helping provide nutritious meals and food support to children and families in our community.[/vc_column_text][nectar_btn size=”medium” open_new_tab=”true” button_style=”regular” button_color_2=”Accent-Color” icon_family=”none” text=”Start an Application Where Your Origination Gives Back to This Nonprofit” url=”https://www.blink.mortgage/app/signup/p/firstclassMG?campaign=EveryMeal”][/vc_column_inner][vc_column_inner column_padding=”padding-3-percent” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”center” tablet_text_alignment=”default” phone_text_alignment=”default” background_color=”#ffffff” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”large_depth” column_border_radius=”10px” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][vc_custom_heading text=”Faithbrook Church” font_container=”tag:h3|text_align:left” use_theme_fonts=”yes” css=””][vc_column_text css=”” text_direction=”default”]Supporting Faithbrook Church and its efforts to serve, connect, and strengthen the local community.[/vc_column_text][nectar_btn size=”medium” open_new_tab=”true” button_style=”regular” button_color_2=”Accent-Color” icon_family=”none” text=”Contact Us to Learn More About This Program”][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=”yes” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” top_padding=”2%” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”padding-3-percent” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”center” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”large_depth” column_border_radius=”10px” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][vc_custom_heading text=”Maranatha Christian Academy” font_container=”tag:h3|text_align:left” use_theme_fonts=”yes” css=””][vc_column_text css=”” text_direction=”default”]Supporting students, families, and education through Maranatha Christian Academy.[/vc_column_text][nectar_btn size=”medium” button_style=”regular” button_color_2=”Accent-Color” icon_family=”none” text=”Contact Us to Learn More About This Program”][/vc_column_inner][vc_column_inner column_padding=”padding-3-percent” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”center” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”large_depth” column_border_radius=”10px” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][vc_custom_heading text=”Ave Maria Academy” font_container=”tag:h3|text_align:left” use_theme_fonts=”yes” css=””][vc_column_text css=”” text_direction=”default”]Supporting students and families through faith-based education and community.[/vc_column_text][nectar_btn size=”medium” open_new_tab=”true” button_style=”regular” button_color_2=”Accent-Color” icon_family=”none” text=”Contact Us to Learn More About This Program”][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=”yes” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” top_padding=”2%” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”padding-3-percent” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”center” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”large_depth” column_border_radius=”10px” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][vc_custom_heading text=”Dromos” font_container=”tag:h3|text_align:left” use_theme_fonts=”yes” css=””][vc_column_text css=”” text_direction=”default”]Dromos is a community‑based development and mentorship organization that partners alongside local groups to support individuals and families who want to build intentional, purpose‑driven lives.[/vc_column_text][nectar_btn size=”medium” open_new_tab=”true” button_style=”regular” button_color_2=”Accent-Color” icon_family=”none” text=”Learn More About This Program” url=”/dromos/”][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=”yes” disable_element=”yes” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” top_padding=”2%” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”padding-3-percent” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”center” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”large_depth” column_border_radius=”10px” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/3″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][vc_custom_heading text=”Maranatha Christian Academy” font_container=”tag:h3|text_align:left” use_theme_fonts=”yes” css=””][vc_column_text css=”” text_direction=”default”]Supporting students, families, and education through Maranatha Christian Academy.[/vc_column_text][nectar_btn size=”medium” open_new_tab=”true” button_style=”regular” button_color_2=”Accent-Color” icon_family=”none” text=”Contact Us to Learn More About This Program”][/vc_column_inner][vc_column_inner column_padding=”padding-3-percent” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”center” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”large_depth” column_border_radius=”10px” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/3″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][vc_custom_heading text=”Ave Maria Academy” font_container=”tag:h3|text_align:left” use_theme_fonts=”yes” css=””][vc_column_text css=”” text_direction=”default”]Supporting students and families through faith-based education and community.[/vc_column_text][nectar_btn size=”medium” open_new_tab=”true” button_style=”regular” button_color_2=”Accent-Color” icon_family=”none” text=”Contact Us to Learn More About This Program”][/vc_column_inner][vc_column_inner 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If there’s an organization that’s meaningful to you, please feel free to email us with the name and a brief description — we’re always interested in learning about causes that matter to the people we serve. **Please note:** Donations are currently made to the vetted nonprofits listed on our website, but we’re always open to exploring additional organizations for future consideration.[/vc_column_text][nectar_btn size=”large” open_new_tab=”true” button_style=”regular” button_color_2=”Accent-Color” icon_family=”none” text=”Email Us Your Suggestion” url=”mailto:admin@firstclasscorp.com”][/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/4″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][/vc_column_inner][/vc_row_inner][vc_row_inner disable_element=”yes” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/4″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”center” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][vc_column_text css=”.vc_custom_1787110019465{margin-bottom: 0px !important;}” text_direction=”default”]HAVE A NONPROFIT IN MIND?[/vc_column_text][vc_custom_heading text=”Nominate a Nonprofit You Care About” use_theme_fonts=”yes” css=””][vc_column_text css=”” text_direction=”default”]Don’t see an organization you’d like to support? Tell us about it. 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column_direction_tablet=”default” column_direction_phone=”default” bg_color=”#f9f9f9″ scene_position=”center” top_padding=”5%” constrain_group_1=”yes” bottom_padding=”5%” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” id=”apply-today” disable_element=”yes” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”center” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][vc_custom_heading text=”Scan QR To Apply Today!” use_theme_fonts=”yes” css=””][vc_column_text css=”” text_direction=”default”]Consultations are always free and no obligation[/vc_column_text][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” 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column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/3″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”3px” column_border_color=”#000000″ column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][image_with_animation image_url=”15799″ image_size=”full” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”none” alignment=”” border_radius=”none” box_shadow=”none” image_loading=”default” max_width=”100%” max_width_mobile=”default”][/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/3″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” equal_height=”yes” content_placement=”middle” column_direction=”default” column_direction_tablet=”column_reverse” column_direction_phone=”column_reverse” scene_position=”center” top_padding=”7%” constrain_group_1=”yes” bottom_padding=”7%” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text css=”.vc_custom_1787110193996{margin-bottom: 0px !important;}” text_direction=”default”]LOCAL ROOTS. GREATER IMPACT.[/vc_column_text][vc_custom_heading text=”Mortgage Lending Is Personal. So Is Giving Back.” use_theme_fonts=”yes” css=””][vc_column_text css=”” text_direction=”default”]Our commitment to giving back continues to grow, and we’re proud to support organizations that strengthen families, serve neighbors, and create lasting impact. Your trust in First Class Mortgage helps make that possible.[/vc_column_text][/vc_column][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][image_with_animation image_url=”16169″ image_size=”medium_featured” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”none” alignment=”” border_radius=”10px” box_shadow=”large_depth” image_loading=”default” max_width=”100%” max_width_mobile=”default”][/vc_column][/vc_row] --- --- title: "Dromos" slug: "dromos" date: "2026-09-18 02:44:36" author: "kaye@loansites.com" --- [vc_row type=”full_width_background” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” bg_image=”16477″ bg_position=”center center” background_image_loading=”default” bg_repeat=”no-repeat” full_height=”yes” scene_position=”center” text_color=”light” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” enable_gradient=”true” color_overlay=”#9cb3c3″ advanced_gradient_angle=”0″ overlay_strength=”0.95″ gradient_direction=”left_to_right” enable_shape_divider=”true” shape_divider_color=”#ffffff” shape_divider_position=”bottom” shape_divider_height=”550″ bg_image_animation=”none” video_mute=”true” shape_type=”waves_opacity_alt” gradient_type=”default”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”2/3″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][split_line_heading animation_type=”default” text_direction=”default”] # Dromos [/split_line_heading][nectar_btn size=”jumbo” button_style=”see-through-2″ hover_text_color_override=”#ffffff” icon_family=”none” url=”#more” text=”Learn More” css_animation=”slideInUp” margin_right=”35″][/vc_column][vc_column column_padding=”padding-1-percent” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/3″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” bottom_padding=”5%” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”center” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ 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desktop_text_alignment=”center” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][nectar_btn size=”large” button_style=”regular” button_color_2=”Accent-Color” icon_family=”none” text=”Learn About Other Nonprofits We Sponsor” url=”/financing-with-purpose/”][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” equal_height=”yes” content_placement=”middle” column_direction=”default” column_direction_tablet=”column_reverse” column_direction_phone=”column_reverse” scene_position=”center” bottom_padding=”5%” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” id=”more” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_custom_heading text=”Grow With Purpose. Walk With Others.” use_theme_fonts=”yes” css=””][vc_column_text css=”” text_direction=”default”]Dromos is a community-based discipleship and mentorship organization that comes alongside individuals, families, and local churches to help people build intentional, purpose-driven lives rooted in faith, meaningful relationships, and personal growth. Through community, mentorship, and practical guidance, Dromos creates a place where people can grow together, encourage one another, and live out their values in everyday life.[/vc_column_text][vc_row_inner equal_height=”yes” content_placement=”middle” disable_element=”yes” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” 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background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][image_with_animation image_url=”16557″ image_size=”medium_featured” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”none” alignment=”” border_radius=”10px” box_shadow=”large_depth” image_loading=”default” max_width=”100%” max_width_mobile=”default”][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” top_padding=”5%” constrain_group_1=”yes” bottom_padding=”5%” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_row_inner equal_height=”yes” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” top_padding=”2%” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”padding-5-percent” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”center” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”large_depth” column_border_radius=”10px” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][vc_column_text css=”” text_direction=”default”] ### A Community Built Around Growth At Dromos, men, women, and young people come together through honest relationships, meaningful conversations, Scripture, prayer, and intentional practice. The goal is simple: to create a supportive environment where people can better understand their purpose, strengthen their relationships, and apply what they are learning at home, at work, at school, in sports, and throughout their communities.[/vc_column_text][/vc_column_inner][vc_column_inner column_padding=”padding-5-percent” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”center” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”large_depth” column_border_radius=”10px” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][vc_column_text css=”” text_direction=”default”] ### Know and Be Known Real growth happens in community. Dromos provides a place where individuals can build genuine relationships, receive encouragement and mentorship, and walk alongside others through every stage of life. It is a community where people can be known, supported, challenged, and encouraged to continue growing.[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=”yes” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” top_padding=”2%” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”padding-5-percent” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”center” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”large_depth” column_border_radius=”10px” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][vc_column_text css=”” text_direction=”default”] ### Faith in Everyday Life Dromos believes faith is more than something practiced on a specific day or in a specific place. It shapes how we live, work, lead, serve, and care for the people around us. By creating opportunities for reflection, connection, and intentional action, Dromos helps individuals and families put their beliefs into practice wherever life takes them.[/vc_column_text][/vc_column_inner][vc_column_inner column_padding=”padding-5-percent” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”center” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”large_depth” column_border_radius=”10px” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][vc_column_text css=”” text_direction=”default”] ### A Lifetime of Purposeful Growth Dromos is about more than short-term development. It is about building habits, relationships, and foundations that continue throughout a lifetime. Together, the community encourages one another to live intentionally, grow faithfully, and continue moving forward with purpose.[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=”full_width_background” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” top_padding=”5%” constrain_group_1=”yes” bottom_padding=”5%” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” disable_element=”yes” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_row_inner equal_height=”yes” content_placement=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][image_with_animation image_url=”16100″ image_size=”medium_featured” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”none” alignment=”” border_radius=”10px” box_shadow=”large_depth” image_loading=”default” max_width=”100%” max_width_mobile=”default”][/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text css=”.vc_custom_1787107114085{margin-bottom: 0px !important;}” text_direction=”default”]FINANCING WITH PURPOSE[/vc_column_text][vc_custom_heading text=”Your Loan Can Make a Difference” use_theme_fonts=”yes” css=””][vc_column_text css=”” text_direction=”default”]10% of your loan origination goes back to Every Meal. With our Give Back Program, a portion of your loan origination is donated to Every Meal when you close with First Class Mortgage and mention the program at the start of your application.[/vc_column_text][nectar_btn size=”large” open_new_tab=”true” button_style=”regular” button_color_2=”Accent-Color” icon_family=”none” text=”Start an Application” url=”https://www.blink.mortgage/app/signup/p/firstclassMG?campaign=EveryMeal” margin_right=”30″][nectar_btn size=”large” button_style=”regular” button_color_2=”Accent-Color” icon_family=”none” text=”Contact Us To Learn More” url=”https://mnmortgage.com/contact/”][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=”full_width_background” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” bg_color=”#f9f9f9″ scene_position=”center” top_padding=”5%” constrain_group_1=”yes” bottom_padding=”5%” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” id=”apply-today” disable_element=”yes” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”center” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][vc_custom_heading text=”Scan QR To Apply Today!” use_theme_fonts=”yes” css=””][vc_column_text css=”” text_direction=”default”]Consultations are always free and no obligation[/vc_column_text][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” 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bg_image_animation=”none” border_type=”simple” column_border_width=”3px” column_border_color=”#000000″ column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][image_with_animation image_url=”15799″ image_size=”full” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”none” alignment=”” border_radius=”none” box_shadow=”none” image_loading=”default” max_width=”100%” max_width_mobile=”default”][/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/3″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” equal_height=”yes” content_placement=”middle” column_direction=”default” column_direction_tablet=”column_reverse” column_direction_phone=”column_reverse” scene_position=”center” top_padding=”7%” constrain_group_1=”yes” bottom_padding=”7%” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” disable_element=”yes” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text css=”.vc_custom_1787107254708{margin-bottom: 0px !important;}” text_direction=”default”]OUR COMMUNITY PARTNER[/vc_column_text][vc_custom_heading text=”Proud to Partner With Every Meal” use_theme_fonts=”yes” css=””][vc_column_text css=”” text_direction=”default”]We believe homeownership is about more than where you live—it’s about building stronger communities. Through our Give Back Program, we’re proud to partner with Every Meal and help support the work they do in our community.[/vc_column_text][nectar_btn size=”large” open_new_tab=”true” button_style=”regular” button_color_2=”Accent-Color” icon_family=”none” text=”Start an Application” url=”https://www.blink.mortgage/app/signup/p/firstclassMG?campaign=EveryMeal”][/vc_column][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][image_with_animation image_url=”16145″ image_size=”medium_featured” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”none” alignment=”” border_radius=”10px” box_shadow=”large_depth” image_loading=”default” max_width=”100%” max_width_mobile=”default”][/vc_column][/vc_row] --- --- title: "Sponsorships" slug: "sponsorships" date: "2026-09-15 21:58:59" author: "kaye@loansites.com" --- [vc_row type=”full_width_background” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” bg_image=”16551″ bg_position=”center bottom” background_image_loading=”default” bg_repeat=”no-repeat” full_height=”yes” scene_position=”center” text_color=”light” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” enable_gradient=”true” color_overlay=”#9cb3c3″ advanced_gradient_angle=”0″ overlay_strength=”0.95″ gradient_direction=”left_to_right” enable_shape_divider=”true” shape_divider_color=”#ffffff” shape_divider_position=”bottom” shape_divider_height=”550″ bg_image_animation=”none” video_mute=”true” shape_type=”waves_opacity_alt” gradient_type=”default”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”2/3″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][split_line_heading animation_type=”default” text_direction=”default”] # Sponsorships [/split_line_heading][nectar_btn size=”jumbo” button_style=”regular” button_color_2=”Extra-Color-1″ icon_family=”none” url=”#sponsor” text=”View Sponsorships” css_animation=”slideInUp”][/vc_column][vc_column column_padding=”padding-1-percent” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/3″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” id=”sponsor” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/6″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][/vc_column][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”2/3″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][image_with_animation image_url=”16721″ image_size=”full” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”none” alignment=”center” border_radius=”15px” box_shadow=”medium_depth” image_loading=”default” max_width=”100%” max_width_mobile=”default”][nectar_btn size=”large” button_style=”regular” button_color_2=”Accent-Color” icon_family=”none” text=”Find Out More About The Nonprofits We Support Through Our Financing With Purpose Giveback Program” margin_top=”30px” url=”https://mnmortgage.com/financing-with-purpose/”][/vc_column][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/6″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][/vc_column][/vc_row] --- --- title: "Sponsorships" slug: "sponsorships" date: "2025-02-03 04:58:57" author: "nick@loansites.com" --- [vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/6″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][/vc_column][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”2/3″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][image_with_animation image_url=”16721″ image_size=”full” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”none” alignment=”center” border_radius=”15px” box_shadow=”medium_depth” image_loading=”default” max_width=”100%” max_width_mobile=”default”][nectar_btn size=”large” button_style=”regular” button_color_2=”Accent-Color” icon_family=”none” text=”Learn About How Your Loan Can Make A Difference By Clicking Here” margin_top=”30px” url=”https://mnmortgage.com/financing-with-purpose/”][/vc_column][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/6″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” top_padding=”3%” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/6″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][/vc_column][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”2/3″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_row_inner equal_height=”yes” content_placement=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][image_with_animation image_url=”8823″ image_size=”full” animation_type=”entrance” animation=”Fade In From Left” animation_easing=”default” animation_movement_type=”transform_y” hover_animation=”none” alignment=”” border_radius=”none” box_shadow=”none” image_loading=”default” max_width=”100%” max_width_mobile=”default”][vc_column_text css_animation=”fadeInLeft”] When you partner with First Class Mortgage, you’re helping bring a good night’s sleep to local families.  More than a decade ago, First Class Mortgage collaborated with CROSS Services to create the Peace of Mind Fund, which provides beds and other financial support to local families in transition. **First Class Mortgage is thrilled to match up to $15,000 every year.  Since the inception of the program, we have been able to match over $150,000 and over $300,000 raised. **  [/vc_column_text][/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][image_with_animation image_url=”8820″ image_size=”full” animation_type=”entrance” animation=”Fade In From Right” animation_easing=”default” animation_movement_type=”transform_y” hover_animation=”none” alignment=”” border_radius=”none” box_shadow=”none” image_loading=”default” max_width=”100%” max_width_mobile=”default” delay=”300″][/vc_column_inner][/vc_row_inner][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” advanced_gradient_angle=”0″ gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” gradient_type=”default”][vc_column_text css_animation=”fadeInDown”] The Peace of Mind Fund aids local residents with housing expenses who are going through a financial loss due to unforeseen health, employment, or family hardship. Part of the funds donated also goes to the **Peaceful Dreams Program** which helps provide bed frames, mattresses, quilted bedding, and bedtime stories to local children who don’t have a bed and are sleeping on the floor. **https://crossservices.org/financial-assistance** [/vc_column_text][nectar_cta btn_style=”arrow-animation” heading_tag=”h3″ button_color=”default” text_color=”#6b8294″ button_border_thickness=”0px” link_type=”regular” alignment=”center” alignment_tablet=”default” alignment_phone=”default” display=”block” display_tablet=”inherit” display_phone=”inherit” link_text=”Click here to learn more about CROSS” url=”/peace-of-mind-housing-fund/”][/vc_column_inner][/vc_row_inner][/vc_column][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/6″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” equal_height=”yes” content_placement=”middle” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” top_padding=”2%” constrain_group_1=”yes” bottom_padding=”2%” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/3″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text css=”” text_direction=”default”] ### FCM is thrilled to announce our sponsorship of the MN Wind Chill.  We’re inviting you and your family to experience the thrill of your FIRST GAME on us. Interested in seeing your first-ever professional ultimate frisbee game, this offer is for you. Simply reach out via call or email to claim your tickets. CALL: [763.416.6789](tel:763.416.6789) or EMAIL: [admin@firstclasscorp.com](mailto:admin@firstclasscorp.com) Check out the Wind Chill Website here: [shop.windchillultimate.com](https://shop.windchillultimate.com/) [/vc_column_text][/vc_column][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”2/3″ tablet_width_inherit=”default” animation_type=”default” enable_animation=”true” animation=”reveal-from-right” animation_easing=”default” bg_image_animation=”none” 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column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/3″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][image_with_animation image_url=”12868″ image_size=”full” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”zoom-crop” alignment=”center” img_link_large=”yes” border_radius=”3px” box_shadow=”small_depth” image_loading=”default” max_width=”100%” max_width_mobile=”default”][/vc_column_inner][/vc_row_inner][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” 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overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/6″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”2/3″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][image_with_animation image_url=”9641″ image_size=”full” animation_type=”entrance” animation=”ro-reveal-from-left” animation_easing=”default” animation_movement_type=”transform_y” hover_animation=”none” alignment=”center” border_radius=”none” image_loading=”default” max_width=”100%” max_width_mobile=”default”][/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/6″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][/vc_column_inner][/vc_row_inner][/vc_column][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/4″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][nectar_highlighted_text scribble_color=”#b6121a” style=”scribble” scribble_shape=”basic-underline” scribble_thickness=”regular” scribble_speed=”1.8s” scribble_easing=”ease_in_out”] ## First Class Mortgage is a Homes for Heroes mortgage specialist! ## America’s #1 Hero Rewards program [/nectar_highlighted_text][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” top_padding=”3%” bottom_padding=”1%” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” class=”mobile-hidden” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”top-bottom” constrain_group_1=”yes” column_element_direction_desktop=”default” column_element_spacing=”0px” desktop_text_alignment=”center” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/6″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][/vc_column][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”2/3″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” constrain_group_1=”yes” text_align=”center” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/5″ tablet_width_inherit=”default” animation_type=”default” enable_animation=”true” animation=”slight-fade-in-from-bottom” animation_easing=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default” delay=”300″][image_with_animation image_url=”9590″ image_size=”full” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”none” alignment=”center” border_radius=”none” box_shadow=”none” image_loading=”default” max_width=”50%” max_width_mobile=”default”][nectar_highlighted_text color_type=”regular” style=”full_text” highlight_expansion=”default”] Firefighters/EMS [/nectar_highlighted_text][/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/5″ tablet_width_inherit=”default” animation_type=”default” enable_animation=”true” animation=”slight-fade-in-from-bottom” animation_easing=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default” delay=”400″][image_with_animation image_url=”9592″ image_size=”full” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”none” alignment=”center” border_radius=”none” box_shadow=”none” image_loading=”default” max_width=”50%” max_width_mobile=”default”][nectar_highlighted_text color_type=”regular” style=”full_text” highlight_expansion=”default”] Law Enforcement [/nectar_highlighted_text][/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/5″ tablet_width_inherit=”default” animation_type=”default” enable_animation=”true” animation=”slight-fade-in-from-bottom” animation_easing=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default” delay=”500″][image_with_animation image_url=”9593″ image_size=”full” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”none” alignment=”center” border_radius=”none” box_shadow=”none” image_loading=”default” max_width=”50%” max_width_mobile=”default”][nectar_highlighted_text color_type=”regular” style=”full_text” highlight_expansion=”default”] Military [/nectar_highlighted_text][/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/5″ tablet_width_inherit=”default” animation_type=”default” enable_animation=”true” animation=”slight-fade-in-from-bottom” animation_easing=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default” delay=”600″][image_with_animation image_url=”9591″ image_size=”full” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”none” alignment=”center” border_radius=”none” box_shadow=”none” image_loading=”default” max_width=”50%” max_width_mobile=”default”][nectar_highlighted_text color_type=”regular” style=”full_text” highlight_expansion=”default”] Healthcare Workers [/nectar_highlighted_text][/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/5″ tablet_width_inherit=”default” animation_type=”default” enable_animation=”true” animation=”slight-fade-in-from-bottom” animation_easing=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default” delay=”700″][image_with_animation image_url=”9594″ image_size=”full” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”none” alignment=”center” border_radius=”none” box_shadow=”none” image_loading=”default” max_width=”50%” max_width_mobile=”default”][nectar_highlighted_text color_type=”regular” style=”full_text” highlight_expansion=”default”] Teachers [/nectar_highlighted_text][/vc_column_inner][/vc_row_inner][/vc_column][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/6″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][/vc_column][/vc_row][vc_row type=”full_width_content” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” top_padding=”3%” bottom_padding=”5%” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” class=”desktop-hidden” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”top-bottom” constrain_group_1=”yes” column_element_direction_desktop=”default” column_element_spacing=”0px” desktop_text_alignment=”center” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][image_with_animation image_url=”9585″ image_size=”full” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”none” alignment=”center” border_radius=”none” box_shadow=”none” image_loading=”default” max_width=”100%” max_width_mobile=”default”][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” equal_height=”yes” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”padding-5-percent” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”large_depth” column_border_radius=”15px” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][vc_column_text css_animation=”fadeInUp”] ### First Class Mortgage Hero Reward $1000 Credit towards closing costs We honor and serve heroes such as firefighters/EMS, law enforcement, military (active, reserves and veterans), healthcare professionals, and teachers. In its 20 year history, Homes for Heroes has been able to say thank you to over 50,000 heroes all across the country to the tune of over $100 million provided in real, meaningful Hero Rewards savings.[/vc_column_text][/vc_column][vc_column column_padding=”padding-5-percent” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”large_depth” column_border_radius=”15px” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][vc_column_text css_animation=”fadeInUp”] ### Hero Rewards - **BUY OR SELL A HOME** and receive a check from Homes for Heroes. On average heroes save $2,400 in Hero Rewards. - **MORTGAGE** or **REFINANCE** and receive reduced lending fees. - **LOCAL BUSINESS AFFILIATES** also provide special hero discounts. [/vc_column_text][vc_column_text css_animation=”fadeInUpBig”] ### The Circle of Giving Every time a hero uses Homes for Heroes, they help other heroes in need. A portion of Homes for Heroes’ earnings is donated to the Homes for Heroes Foundation, a non-profit 501(c)(3) that provides assistance to heroes in need.[/vc_column_text][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” top_padding=”5%” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/6″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][/vc_column][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”2/3″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][nectar_highlighted_text scribble_color=”#b6121a” style=”scribble” scribble_thickness=”thin” scribble_speed=”1.8s” scribble_easing=”ease_in_out”] ## Thank you for your time and for sharing this with any heroes in your life that could benefit from this incredible program! [/nectar_highlighted_text][vc_column_text css_animation=”fadeInUp”] Our mission is to thank every Hero and we need your help to get there! This program is available everywhere in the United States, and you may be a hero or you may know a hero that would benefit from this program. [/vc_column_text][/vc_column][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/6″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][/vc_column][/vc_row] --- --- title: "Every Meal" slug: "every-meal" date: "2026-08-18 20:33:46" author: "kaye@loansites.com" --- [vc_row type=”full_width_background” full_screen_row_position=”middle” column_margin=”default” 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bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][vc_custom_heading text=”Proud Partners” use_theme_fonts=”yes” css=””][vc_column_text css=”” text_direction=”default”]Serving Those Who Served[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=”yes” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ 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column_border_style=”solid”][vc_column_text css=”.vc_custom_1787107008443{margin-bottom: 0px !important;}” text_direction=”default”]HOME FINANCING WITH PURPOSE[/vc_column_text][vc_custom_heading text=”Your Home Loan Can Help Put Food on the Table.” use_theme_fonts=”yes” css=””][vc_column_text css=”” text_direction=”default”]When you choose First Class Mortgage and participate in the Every Meal Give Back Program, you can move forward with your home financing while helping support children and families in our community.[/vc_column_text][vc_row_inner equal_height=”yes” content_placement=”middle” disable_element=”yes” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” 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column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text css=”.vc_custom_1787107114085{margin-bottom: 0px !important;}” text_direction=”default”]FINANCING WITH PURPOSE[/vc_column_text][vc_custom_heading text=”Your Loan Can Make a Difference” use_theme_fonts=”yes” css=””][vc_column_text css=”” text_direction=”default”]10% of your loan origination goes back to Every Meal. 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column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text css=”.vc_custom_1787107254708{margin-bottom: 0px !important;}” text_direction=”default”]OUR COMMUNITY PARTNER[/vc_column_text][vc_custom_heading text=”Proud to Partner With Every Meal” use_theme_fonts=”yes” css=””][vc_column_text css=”” text_direction=”default”]We believe homeownership is about more than where you live—it’s about building stronger communities. Through our Give Back Program, we’re proud to partner with Every Meal and help support the work they do in our community.[/vc_column_text][nectar_btn size=”large” open_new_tab=”true” button_style=”regular” button_color_2=”Accent-Color” icon_family=”none” text=”Start an Application” url=”https://www.blink.mortgage/app/signup/p/firstclassMG?campaign=EveryMeal”][/vc_column][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][image_with_animation image_url=”16145″ image_size=”medium_featured” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”none” alignment=”” border_radius=”10px” box_shadow=”large_depth” image_loading=”default” max_width=”100%” max_width_mobile=”default”][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” top_padding=”3%” constrain_group_1=”yes” bottom_padding=”3%” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”center” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][vc_column_text css=”.vc_custom_1787107903701{margin-bottom: 0px !important;}” text_direction=”default”]HOW IT WORKS[/vc_column_text][vc_custom_heading text=”Your Mortgage Can Give Back in 3 Simple Steps” use_theme_fonts=”yes” css=””][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=”yes” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” top_padding=”2%” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”padding-5-percent” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”center” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”large_depth” column_border_radius=”10px” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/3″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][vc_custom_heading text=”01″ font_container=”tag:h3|text_align:left” use_theme_fonts=”yes” css=””][vc_column_text css=”” text_direction=”default”]**Start Your Application** Begin your mortgage application with First Class Mortgage.[/vc_column_text][/vc_column_inner][vc_column_inner column_padding=”padding-5-percent” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”center” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”large_depth” column_border_radius=”10px” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/3″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][vc_custom_heading text=”02″ font_container=”tag:h3|text_align:left” use_theme_fonts=”yes” css=””][vc_column_text css=”” text_direction=”default”]**Mention Every Meal** Let your loan officer know that you want to participate in the Every Meal Give Back Program.[/vc_column_text][/vc_column_inner][vc_column_inner column_padding=”padding-5-percent” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”center” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”large_depth” column_border_radius=”10px” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/3″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][vc_custom_heading text=”03″ font_container=”tag:h3|text_align:left” use_theme_fonts=”yes” css=””][vc_column_text css=”” text_direction=”default”]**Give Back** After closing, 10% of your loan origination goes back to Every Meal.[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” equal_height=”yes” content_placement=”middle” column_direction=”default” column_direction_tablet=”column_reverse” column_direction_phone=”column_reverse” scene_position=”center” top_padding=”7%” constrain_group_1=”yes” bottom_padding=”7%” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text css=”.vc_custom_1787107739944{margin-bottom: 0px !important;}” text_direction=”default”]EMPLOYEE-SPONSORED NONPROFIT OF CHOICE[/vc_column_text][vc_custom_heading text=”Meet Annie” use_theme_fonts=”yes” css=””][vc_column_text css=”” text_direction=”default”]Every Meal is a nonprofit that holds a special place in Annie’s heart. As part of our Financing With Purpose program, Annie selected Every Meal as the organization she personally wanted to support, reflecting her passion for helping children and families in our community. As a former educator and a mother of three, supporting kiddos is especially meaningful to her. Other than work, Annie enjoys… **Annie’s Nonprofit of Choice:** Every Meal is a nonprofit that holds a special place in Annie’s heart. As part of our Financing With Purpose program, Annie selected Every Meal as the organization she personally wanted to support, reflecting her passion for helping children and families in our community. As a former educator and a mother of three, supporting kiddos is especially meaningful to her. Click the button below to start an application through the Give Back Program or to learn more.[/vc_column_text][nectar_btn size=”large” open_new_tab=”true” button_style=”regular” button_color_2=”Accent-Color” icon_family=”none” text=”Financing With Purpose Give Back Program – Every Meal” url=”https://www.blink.mortgage/app/signup/p/firstclassMG?campaign=EveryMeal”][vc_column_text css=”” text_direction=”default”]**Annie’s Info** Annie Randall Administrative Assistant Email: [annie@firstclasscorp.com](mailto:annie@firstclasscorp.com) Phone: [(763) 416-6789](tel:7634166789)[/vc_column_text][/vc_column][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][image_with_animation image_url=”15282″ image_size=”medium_featured” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”none” alignment=”” border_radius=”10px” box_shadow=”large_depth” image_loading=”default” max_width=”100%” max_width_mobile=”default”][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” top_padding=”3%” constrain_group_1=”yes” bottom_padding=”3%” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”center” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][vc_column_text css=”.vc_custom_1787107364686{margin-bottom: 0px !important;}” text_direction=”default”]MORE THAN A MORTGAGE[/vc_column_text][vc_custom_heading text=”A Mortgage Experience With Purpose” use_theme_fonts=”yes” css=””][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=”yes” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” top_padding=”2%” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”padding-5-percent” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”center” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”large_depth” column_border_radius=”10px” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/3″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][vc_custom_heading text=”Locally Owned & Operated” font_container=”tag:h3|text_align:left” use_theme_fonts=”yes” css=””][vc_column_text css=”” text_direction=”default”]A family-owned mortgage business committed to serving the community.[/vc_column_text][/vc_column_inner][vc_column_inner column_padding=”padding-5-percent” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”center” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”large_depth” column_border_radius=”10px” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/3″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][vc_custom_heading text=”Customer-Focused Service” font_container=”tag:h3|text_align:left” use_theme_fonts=”yes” css=””][vc_column_text css=”” text_direction=”default”]Reliable, trustworthy, and highly communicative service from application to closing.[/vc_column_text][/vc_column_inner][vc_column_inner column_padding=”padding-5-percent” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”center” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”large_depth” column_border_radius=”10px” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/3″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][vc_custom_heading text=”Experience You Can Trust” font_container=”tag:h3|text_align:left” use_theme_fonts=”yes” css=””][vc_column_text css=”” text_direction=”default”]Serving clients since 2006 with more than 150 years of combined experience.[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=”yes” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” top_padding=”2%” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”padding-5-percent” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”center” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”large_depth” column_border_radius=”10px” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/3″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][vc_custom_heading text=”Comprehensive Loan Shopping” font_container=”tag:h3|text_align:left” use_theme_fonts=”yes” css=””][vc_column_text css=”” text_direction=”default”]We work to find loan programs, rates, and closing costs that fit your needs.[/vc_column_text][/vc_column_inner][vc_column_inner column_padding=”padding-5-percent” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”center” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”large_depth” column_border_radius=”10px” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/3″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][vc_custom_heading text=”Available When You Need Us” font_container=”tag:h3|text_align:left” use_theme_fonts=”yes” css=””][vc_column_text css=”” text_direction=”default”]Accessible during evenings and weekends.[/vc_column_text][/vc_column_inner][vc_column_inner column_padding=”padding-5-percent” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”center” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”large_depth” column_border_radius=”10px” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/3″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][vc_custom_heading text=”Quick Turnaround Times” font_container=”tag:h3|text_align:left” use_theme_fonts=”yes” css=””][vc_column_text css=”” text_direction=”default”]Efficient processing designed to help create a smooth mortgage experience.[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” equal_height=”yes” content_placement=”middle” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” top_padding=”7%” constrain_group_1=”yes” bottom_padding=”7%” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][image_with_animation image_url=”16165″ image_size=”medium_featured” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”none” alignment=”” border_radius=”10px” box_shadow=”large_depth” image_loading=”default” max_width=”100%” max_width_mobile=”default”][/vc_column][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text css=”.vc_custom_1787107686064{margin-bottom: 0px !important;}” text_direction=”default”]FIND THE RIGHT LOAN[/vc_column_text][vc_custom_heading text=”Loan Programs for Your Next Move” use_theme_fonts=”yes” css=””][vc_column_text css=”” text_direction=”default”]**Purchase Programs** - Conventional Loans - First-Time Homebuyer - FHA Loans - New Home Construction - VA Loans - Investment Properties - USDA Loans - Purchase & Renovation - Jumbo Loans **Refinance Options** - Rate & Term Refinance - Cash-Out Refinance - FHA Streamline Refinance [/vc_column_text][nectar_btn size=”large” open_new_tab=”true” button_style=”regular” button_color_2=”Accent-Color” icon_family=”none” text=”Start an Application” url=”https://www.blink.mortgage/app/signup/p/firstclassMG?campaign=EveryMeal”][/vc_column][/vc_row][vc_row type=”full_width_background” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” bg_color=”rgba(156,179,195,0.2)” scene_position=”center” top_padding=”7%” constrain_group_1=”yes” bottom_padding=”7%” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”center” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][vc_custom_heading text=”Meet Your Loan Officers” use_theme_fonts=”yes” css=””][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=”yes” content_placement=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][image_with_animation image_url=”13516″ image_size=”medium_featured” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”none” alignment=”” border_radius=”10px” box_shadow=”large_depth” image_loading=”default” max_width=”100%” max_width_mobile=”default”][/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text css=”” text_direction=”default”] ## Casey Van Winkle Mortgage Consultant | Owner NMLS #: 323964[/vc_column_text][vc_column_text css=”” text_direction=”default”]**Contact Information** **Phone:** [763.416.6789](tel:7634166789) **Email:** [Casey@firstclasscorp.com](mailto:Casey@firstclasscorp.com) **Website:** [www.MNmortgage.com](/)[/vc_column_text][nectar_btn size=”large” open_new_tab=”true” button_style=”regular” button_color_2=”Accent-Color” icon_family=”none” text=”Start an Application” url=”https://www.blink.mortgage/app/signup/p/firstclassMG?campaign=EveryMeal”][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=”yes” content_placement=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”column_reverse” column_direction_phone=”column_reverse” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text css=”” text_direction=”default”] ## Brady Day NMLS #: 206008[/vc_column_text][vc_column_text css=”” text_direction=”default”]**Contact Information** **Phone:** [763.416.6789](tel:7634166789) **Email:** [Brady@firstclasscorp.com](mailto:Brady@firstclasscorp.com)[/vc_column_text][nectar_btn size=”large” open_new_tab=”true” button_style=”regular” button_color_2=”Accent-Color” icon_family=”none” text=”Start an Application” url=”https://www.blink.mortgage/app/signup/p/firstclassMG?campaign=EveryMeal”][/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” 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column_border_style=”solid”][vc_custom_heading text=”Service Should Have Its Rewards” use_theme_fonts=”yes” css=””][vc_column_text css=”” text_direction=”default”]**Homes for Heroes Affiliate** - Veterans and Active Duty Military recieve $1000 off their closing costs **Magnus Veterans Foundation Give-Back Program** - 10% of origination goes back to the Magnus Veterans Foundation - Offer valid for all Magnus Veterans Foundation Members and their friends and family. Just mention Magnus! **VA Financing Options:** - VA Home Purchase - VA Refinance - VA IRRRL (Streamline Refinance) - VA Cash-Out Refinance - Veteran Savings Programs [/vc_column_text][vc_row_inner equal_height=”yes” content_placement=”middle” disable_element=”yes” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” 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column_border_style=”solid”][vc_custom_heading text=”About Our Veteran-Focused Mortgage Programs” use_theme_fonts=”yes” css=””][vc_column_text css=”” text_direction=”default”]When you combine your VA benefits with First Class Mortgage’s veteran-focused programs, you save even more. **Benefits Include** - $1,000 off closing costs through the Homes for Heroes affiliate program - 10% of origination fees donated back to the Magnus Veterans Foundation - Veteran-focused mortgage guidance - Free consultations - No obligation to apply [/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=”full_width_background” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” bg_color=”#f9f9f9″ scene_position=”center” top_padding=”5%” constrain_group_1=”yes” bottom_padding=”5%” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” 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gradient_type=”default”][vc_custom_heading text=”Scan QR To Apply Today!” use_theme_fonts=”yes” css=””][vc_column_text css=”” text_direction=”default”]Consultations are always free and no obligation[/vc_column_text][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” 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tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”column_reverse” column_direction_phone=”column_reverse” scene_position=”center” top_padding=”7%” constrain_group_1=”yes” bottom_padding=”7%” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_custom_heading text=”VA Home Purchase” use_theme_fonts=”yes” css=””][vc_column_text css=”” text_direction=”default”]**Buy with Confidence Using a VA Loan** The VA home loan is one of the best purchase options available for eligible veterans and active-duty service members. **Key Advantages** - 100% financing - No mortgage insurance - Lower rates than many conventional loans - Flexible guidelines **Planning a Move?** We’ll help you build a clear, confident home-buying 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desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][image_with_animation image_url=”13011″ image_size=”medium_featured” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”none” alignment=”” border_radius=”10px” box_shadow=”large_depth” image_loading=”default” max_width=”100%” max_width_mobile=”default”][/vc_column][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_custom_heading text=”VA IRRRL (Streamline Refinance)” use_theme_fonts=”yes” css=””][vc_column_text css=”” text_direction=”default”]**Lower Your Rate with a VA IRRRL** If you currently have a VA loan, the VA IRRRL (Interest Rate Reduction Refinance Loan) makes it simple to lower your interest rate and monthly payment. **Benefits Include** - Minimal documentation - No appraisal required in most cases - Fast, streamlined process - Potential to save thousands over the life of your loan [/vc_column_text][nectar_btn size=”large” button_style=”regular” button_color_2=”Accent-Color” icon_family=”none” text=”Apply Today” url=”#apply-today” margin_top=”25″][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”column_reverse” column_direction_phone=”column_reverse” scene_position=”center” top_padding=”7%” constrain_group_1=”yes” bottom_padding=”7%” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_custom_heading text=”VA Cash-Out Refinance” use_theme_fonts=”yes” css=””][vc_column_text css=”” text_direction=”default”]Use Your VA Benefits to Strengthen Your Financial Position **A VA cash-out refinance can help you:** - Use Equity To - Pay off high-interest debt - Fund home improvements - Cover major expenses - Restructure finances using competitive VA rates [/vc_column_text][nectar_btn 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column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][image_with_animation image_url=”13516″ image_size=”medium_featured” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”none” alignment=”” border_radius=”10px” box_shadow=”large_depth” image_loading=”default” max_width=”100%” max_width_mobile=”default”][/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_custom_heading text=”Meet Your Loan Consultant” use_theme_fonts=”yes” css=””][vc_column_text css=”” text_direction=”default”] ## Casey Van Winkle Mortgage Consultant | Owner NMLS #: 323964[/vc_column_text][vc_column_text css=”” text_direction=”default”]**Contact Information** **Phone:** [763.416.6789](tel:7634166789) **Email:** [Casey@firstclasscorp.com](mailto:Casey@firstclasscorp.com) **Website:** [www.MNmortgage.com](/)[/vc_column_text][nectar_btn size=”large” button_style=”regular” button_color_2=”Accent-Color” icon_family=”none” text=”Apply Today” url=”#apply-today” margin_top=”25″][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=”full_width_background” full_screen_row_position=”middle” column_margin=”default” equal_height=”yes” content_placement=”middle” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” top_padding=”2%” constrain_group_1=”yes” bottom_padding=”2%” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” 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max_width_mobile=”default”][/vc_column][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”center” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/3″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][nectar_star_rating star_rating=”5″ sizing=”20″ icon_color=”accent-color”]**Over 1000** 5 – Stars Rating[/nectar_star_rating][/vc_column][/vc_row][vc_row type=”full_width_background” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” constrain_group_2=”yes” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][vc_custom_heading text=”We’re Here to Serve You” font_container=”tag:h2|text_align:center|color:%236b8294″ use_theme_fonts=”yes” css=””][vc_row_inner equal_height=”yes” content_placement=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”center” phone_text_alignment=”center” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][vc_column_text css=”” text_direction=”default”]**Phone:** [763.416.6789](tel:7634166789)[/vc_column_text][/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”right” tablet_text_alignment=”center” phone_text_alignment=”center” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][vc_column_text css=”” text_direction=”default”]**Email:** [mgsales@firstclasscorp.com](mailto:mgsales@firstclasscorp.com)[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=”yes” content_placement=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”center” phone_text_alignment=”center” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][vc_column_text css=”” text_direction=”default”]**Website:** [www.MNmortgage.com](/)[/vc_column_text][/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”right” tablet_text_alignment=”center” phone_text_alignment=”center” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][vc_column_text css=”” text_direction=”default”]**Address:**[12906 63rd Ave. N. Maple Grove, MN 55330](https://maps.app.goo.gl/fztTEHKwfPu8owXr5)[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row] --- --- title: "CROSS - Peace of Mind Housing Fund" slug: "peace-of-mind-housing-fund" date: "2022-06-20 00:02:25" author: "LoanSites" --- [vc_row type=”full_width_background” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” bg_image=”16478″ bg_position=”center center” background_image_loading=”default” bg_repeat=”no-repeat” full_height=”yes” scene_position=”center” text_color=”light” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” enable_gradient=”true” color_overlay=”#9cb3c3″ advanced_gradient_angle=”0″ overlay_strength=”0.95″ gradient_direction=”left_to_right” enable_shape_divider=”true” shape_divider_color=”#ffffff” shape_divider_position=”bottom” shape_divider_height=”550″ bg_image_animation=”zoom-out-slow” video_mute=”true” shape_type=”waves_opacity_alt” gradient_type=”default”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”2/3″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text css_animation=”fadeInUp” css=”.vc_custom_1617761559950{margin-bottom: 15px !important;}”] ##### Loan Program [/vc_column_text][split_line_heading animation_type=”default”] # Peace of Mind Housing Fund [/split_line_heading][nectar_btn size=”jumbo” button_style=”see-through-2″ color_override=”#ffffff” hover_color_override=”#ffffff” hover_text_color_override=”#444444″ icon_family=”none” url=”#more” text=”Learn More” margin_top=”25″ css_animation=”slideInUp” margin_bottom=”85″][/vc_column][vc_column column_padding=”padding-1-percent” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/3″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” bottom_padding=”5%” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”center” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][vc_custom_heading text=”Proud Partners” font_container=”tag:h2|font_size:50px|text_align:left|line_height:58px” use_theme_fonts=”yes” css=””][vc_column_text css=”” text_direction=”default”]Giving Back to the Community through the Peace of Mind Housing Foundation and CROSS Give Back Program.[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=”yes” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” 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column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”center” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][nectar_btn size=”large” button_style=”regular” button_color_2=”Accent-Color” icon_family=”none” text=”Learn About Other Nonprofits We Sponsor” url=”/financing-with-purpose/”][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” equal_height=”yes” content_placement=”middle” column_direction=”default” column_direction_tablet=”column_reverse” column_direction_phone=”column_reverse” scene_position=”center” bottom_padding=”5%” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” id=”more” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_custom_heading text=”Peace Of Mind Housing Fund” use_theme_fonts=”yes” css=””][vc_column_text css=”” text_direction=”default”]In 2011 First Class Mortgage partnered with CROSS Services to create the Peace of Mind Fund, which provides beds and financial assistance to local families experiencing hardship and transition. We are proud to continue supporting this important work by matching donations up to $15,000 annually. **Impact Since Inception** - More than $190,000 matched by First Class Mortgage - A match averaging $15,000 annually - Over 1M in Financial Assistance provided through Peace of Mind Fund [/vc_column_text][nectar_btn size=”large” open_new_tab=”true” button_style=”regular” button_color_2=”Accent-Color” icon_family=”none” text=”Cross Services” url=”Crossservices.org” margin_top=”25″][/vc_column][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” 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column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][image_with_animation image_url=”16694″ image_size=”medium_featured” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”none” alignment=”” border_radius=”10px” box_shadow=”large_depth” image_loading=”default” max_width=”100%” max_width_mobile=”default”][/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_custom_heading text=”How the Funds Make a Difference” use_theme_fonts=”yes” css=””][vc_column_text css=”” text_direction=”default”] - Housing expenses during financial crises caused by health issues, job loss, or family hardship - Emergency financial assistance for local residents in transition - Support for the Peaceful Dreams Program, providing: - Bed frames and mattresses - Bedding and quilts - Bedtime books - Provided for Children in need Together, we are helping local families find stability, comfort, and peace of mind![/vc_column_text][nectar_btn size=”large” open_new_tab=”true” button_style=”regular” button_color_2=”Accent-Color” icon_family=”none” text=”Cross Services” url=”Crossservices.org” margin_top=”25″][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” equal_height=”yes” content_placement=”middle” column_direction=”default” column_direction_tablet=”column_reverse” column_direction_phone=”column_reverse” scene_position=”center” bottom_padding=”5%” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_custom_heading text=”CROSS Give Back Program” use_theme_fonts=”yes” css=””][vc_column_text css=”” text_direction=”default”]**Turn Your Home Purchase Into Community Impact** The CROSS Give Back Program raises additional funds for local families beyond First Class Mortgage’s annual Peace of Mind Fund matching commitment. When you purchase or refinance a home with First Class Mortgage and participate in the CROSS Give Back Program, your transaction helps generate additional support for CROSS Services and the families they serve.[/vc_column_text][nectar_btn size=”large” open_new_tab=”true” button_style=”regular” button_color_2=”Accent-Color” icon_family=”none” text=”Cross Services” url=”Crossservices.org” margin_top=”25″][/vc_column][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ 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gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/6″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][/vc_column][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”2/3″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_row_inner equal_height=”yes” content_placement=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][image_with_animation image_url=”8823″ image_size=”full” animation_type=”entrance” animation=”Fade In From Left” animation_easing=”default” animation_movement_type=”transform_y” hover_animation=”none” alignment=”” border_radius=”none” box_shadow=”none” image_loading=”default” max_width=”100%” max_width_mobile=”default”][vc_column_text css_animation=”fadeInLeft”] When you partner with First Class Mortgage, you’re helping bring a good night’s sleep to local families.  More than a decade ago, First Class Mortgage collaborated with CROSS Services to create the Peace of Mind Fund, which provides beds and other financial support to local families in transition. **First Class Mortgage is thrilled to match up to $15,000 every year.  Since the inception of the program, we have been able to match over $150,000 and over $300,000 raised. **  [/vc_column_text][/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][image_with_animation image_url=”8820″ image_size=”full” animation_type=”entrance” animation=”Fade In From Right” animation_easing=”default” animation_movement_type=”transform_y” hover_animation=”none” alignment=”” border_radius=”none” box_shadow=”none” image_loading=”default” max_width=”100%” max_width_mobile=”default” delay=”300″][/vc_column_inner][/vc_row_inner][vc_column_text css_animation=”fadeInDown”] **The Peace of Mind Fund** aids local residents with housing expenses who are going through a financial loss due to unforeseen health, employment, or family hardship. Part of the funds donated also goes to the **Peaceful Dreams Program** which helps provide bed frames, mattresses, quilted bedding, and bedtime stories to local children who don’t have a bed and are sleeping on the floor. [**https://crossservices.org/financial-assistance**](https://crossservices.org/financial-assistance/) [/vc_column_text][/vc_column][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/6″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” top_padding=”3%” constrain_group_1=”yes” bottom_padding=”3%” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”center” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][vc_custom_heading text=”How Does It Work?” use_theme_fonts=”yes” css=””][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=”yes” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” top_padding=”2%” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”padding-2-percent” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”large_depth” column_border_radius=”10px” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/4″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][vc_custom_heading text=”Purchase” font_container=”tag:h3|text_align:left” use_theme_fonts=”yes” css=””][vc_column_text css=”” text_direction=”default”] - All residential mortgages - First-time Homebuyers - Investment - Secondary - Cabin/ Lake/ Vacation Home [/vc_column_text][/vc_column_inner][vc_column_inner column_padding=”padding-2-percent” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”large_depth” column_border_radius=”10px” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/4″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][vc_custom_heading text=”Refiance” font_container=”tag:h3|text_align:left” use_theme_fonts=”yes” css=””][vc_column_text css=”” text_direction=”default”] - Rate/ Term - Cash-out - VA-IRRL - Debt Consolidation - Home Improvement [/vc_column_text][/vc_column_inner][vc_column_inner column_padding=”padding-2-percent” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”large_depth” column_border_radius=”10px” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/4″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][vc_custom_heading text=”Save” font_container=”tag:h3|text_align:left” use_theme_fonts=”yes” css=””][vc_column_text css=”” text_direction=”default”] - Competitive Closing Costs - We shop on your behalf to find the best pricing on your interest rate and mortgage insurance (When applicable). [/vc_column_text][/vc_column_inner][vc_column_inner column_padding=”padding-2-percent” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”large_depth” column_border_radius=”10px” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/4″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][vc_custom_heading text=”Give Back!” font_container=”tag:h3|text_align:left” use_theme_fonts=”yes” css=””][vc_column_text css=”” text_direction=”default”] - 10% of the origination goes back to CROSS Services. [/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=”full_width_background” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” top_padding=”5%” constrain_group_1=”yes” bottom_padding=”5%” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_row_inner equal_height=”yes” content_placement=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][image_with_animation image_url=”16432″ image_size=”medium_featured” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”none” alignment=”” border_radius=”10px” box_shadow=”large_depth” image_loading=”default” max_width=”100%” max_width_mobile=”default”][/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_custom_heading text=”Our Commitment” use_theme_fonts=”yes” css=””][vc_column_text css=”” text_direction=”default”]As part of our commitment to the community, 10% of our origination revenue is donated directly to CROSS Services. This contribution helps fund programs that provide housing support, emergency assistance, food resources, and family stability throughout our local communities.[/vc_column_text][nectar_btn size=”large” open_new_tab=”true” button_style=”regular” button_color_2=”Accent-Color” icon_family=”none” text=”Cross Services” url=”Crossservices.org” margin_top=”25″][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=”full_width_background” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” bg_color=”#6b8294″ scene_position=”center” top_padding=”6%” constrain_group_1=”yes” bottom_padding=”6%” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”center” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” font_color=”#ffffff” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][vc_custom_heading text=”Ready to Make a Difference?” use_theme_fonts=”yes” css=””][vc_column_text css=”” text_direction=”default”]Contact Us Today And Mention Cross Give Back Program To Learn More Or Start Your Application[/vc_column_text][nectar_btn size=”large” button_style=”regular” button_color_2=”Extra-Color-2″ solid_text_color_override=”#6b8294″ icon_family=”none” text=”Apply Today” url=”#apply-today” margin_top=”25″][/vc_column][/vc_row][vc_row type=”full_width_background” full_screen_row_position=”middle” column_margin=”20px” equal_height=”yes” content_placement=”middle” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” top_padding=”2%” bottom_padding=”3%” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” shape_type=”” gradient_type=”default”][vc_column column_padding=”padding-2-percent” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”top” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_row_inner equal_height=”yes” content_placement=”middle” column_margin=”30px” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” 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content_placement=”middle” column_margin=”none” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][split_line_heading animation_type=”line-reveal-by-space” font_style=”h2″ line_reveal_by_space_text_effect=”default” content_alignment=”default” mobile_content_alignment=”inherit” link_target=”_self” text_content=”How we help” max_width=”275″][/split_line_heading][/vc_column_inner][/vc_row_inner][vc_row_inner content_placement=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” enable_animation=”true” animation=”fade-in-from-bottom” animation_easing=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” delay=”100″][vc_column_text css_animation=”none” css=”.vc_custom_1655704621863{margin-top: 15px !important;}” max_width=”500″]Peace of Mind Financial Assistance provides help with rent payments, utility bills, or sometimes other expenses so that you are able to stabilize housing and employment. CROSS Services focuses funding on short-term situations, with solvable and foreseeable circumstances. To receive financial assistance: - You will need to complete an application, available at CROSS Services or via email - You will need to provide supporting documentation regarding your request - When your application and supporting documentation are complete, your request will be reviewed by a committee to determine your eligibility - Financial assistance is awarded on a case-by-case basis - The process may take up to two weeks CROSS Services provides programs for individuals and families living in: - Champlin - Corcoran - Dayton - Maple Grove - Osseo - Rogers - *Outreach Programs in St. Michael and Albertville* [/vc_column_text][nectar_cta btn_style=”arrow-animation” heading_tag=”h4″ button_color=”default” text_color=”#9cb3c3″ button_border_thickness=”0px” link_type=”regular” alignment=”left” alignment_tablet=”default” alignment_phone=”default” display=”block” display_tablet=”inherit” display_phone=”inherit” link_text=”Schedule a Call” url=”https://www.mnmortgage.com/schedule-a-call/” 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icon_color_type=”color_scheme” icon_color=”Accent-Color” icon_padding=”15px” pointer_events=”all” icon_iconsmind=”iconsmind-Profile” icon_size=”24″][/vc_column_inner][/vc_row_inner][vc_row_inner content_placement=”middle” column_margin=”none” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][split_line_heading animation_type=”line-reveal-by-space” font_style=”h2″ line_reveal_by_space_text_effect=”default” content_alignment=”default” mobile_content_alignment=”inherit” link_target=”_self” text_content=”Established by First Class Mortgage” max_width=”520″][/split_line_heading][/vc_column_inner][/vc_row_inner][vc_row_inner content_placement=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” enable_animation=”true” animation=”fade-in-from-bottom” animation_easing=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” delay=”100″] First Class Mortgage is locally owned and operated by Casey Van Winkle and Brady Day. Casey and Brady proudly join the CROSS family because of their desire for assisting families at risk of losing their housing due to job loss, health issues, or other life-changing events. First Class Mortgage has been an active community partner since it opened its doors in 2006. They are proud sponsors of Maple Grove Days, Maple Grove Half Marathon, Deep Freeze Dunk for Haiti, Fall Festival on Main, Holidays at Arbor Lakes, and Comedy on the Green. They also support the Rotary Club, Arbor Lakes Business Association, and the Lions Club. [nectar_cta btn_style=”arrow-animation” heading_tag=”h4″ button_color=”default” text_color=”#9cb3c3″ button_border_thickness=”0px” link_type=”regular” alignment=”left” alignment_tablet=”default” alignment_phone=”default” display=”block” display_tablet=”inherit” display_phone=”inherit” link_text=”Schedule a Call” url=”https://www.mnmortgage.com/schedule-a-call/” margin_top=”10″][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=”full_width_background” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” bg_color=”#f9f9f9″ scene_position=”center” top_padding=”5%” constrain_group_1=”yes” bottom_padding=”5%” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” id=”apply-today” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” 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obligation[/vc_column_text][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/3″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” 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column_border_style=”solid”][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][nectar_global_section id=”8095″][/vc_column][/vc_row][vc_row type=”full_width_background” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” bg_color=”rgba(156,179,195,0.2)” scene_position=”center” top_padding=”7%” constrain_group_1=”yes” bottom_padding=”7%” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_row_inner equal_height=”yes” content_placement=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”column_reverse” column_direction_phone=”column_reverse” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text css=”” text_direction=”default”] ## Brady Day NMLS #: 206008[/vc_column_text][vc_column_text css=”” text_direction=”default”]**Contact Information** **Phone:** [763.416.6789](tel:7634166789) **Email:** [Brady@firstclasscorp.com](mailto:Brady@firstclasscorp.com)[/vc_column_text][nectar_btn size=”large” button_style=”regular” button_color_2=”Accent-Color” icon_family=”none” text=”Apply Today” url=”#apply-today” margin_top=”25″][/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][image_with_animation image_url=”13512″ image_size=”medium_featured” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”none” alignment=”” border_radius=”10px” box_shadow=”large_depth” image_loading=”default” max_width=”100%” max_width_mobile=”default”][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=”yes” content_placement=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][image_with_animation image_url=”13516″ image_size=”medium_featured” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”none” alignment=”” border_radius=”10px” box_shadow=”large_depth” image_loading=”default” max_width=”100%” max_width_mobile=”default”][/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text css=”” text_direction=”default”] ## Casey Van Winkle NMLS #: 323964[/vc_column_text][vc_column_text css=”” text_direction=”default”]**Contact Information** **Phone:** [763.416.6789](tel:7634166789) **Email:** [Casey@firstclasscorp.com](mailto:Casey@firstclasscorp.com)[/vc_column_text][nectar_btn size=”large” button_style=”regular” button_color_2=”Accent-Color” icon_family=”none” text=”Apply Today” url=”#apply-today” margin_top=”25″][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=”full_width_background” full_screen_row_position=”middle” column_margin=”default” equal_height=”yes” content_placement=”middle” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” top_padding=”2%” constrain_group_1=”yes” bottom_padding=”2%” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”center” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” 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gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/3″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”3px” column_border_color=”#000000″ column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][image_with_animation image_url=”15807″ image_size=”full” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”none” alignment=”” border_radius=”none” box_shadow=”none” image_loading=”default” max_width=”100%” max_width_mobile=”default”][/vc_column][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”center” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/3″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][nectar_star_rating star_rating=”5″ sizing=”20″ icon_color=”accent-color”]**Over 1000** 5 – Stars Rating[/nectar_star_rating][/vc_column][/vc_row][vc_row type=”full_width_background” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” constrain_group_2=”yes” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” 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gradient_type=”default”][vc_column_text css=”” text_direction=”default”]**Email:** [mgsales@firstclasscorp.com](mailto:mgsales@firstclasscorp.com)[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=”yes” content_placement=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”center” phone_text_alignment=”center” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][vc_column_text css=”” text_direction=”default”]**Website:** [www.MNmortgage.com](/)[/vc_column_text][/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”right” tablet_text_alignment=”center” phone_text_alignment=”center” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ 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Maple Grove, MN 55330](https://maps.app.goo.gl/fztTEHKwfPu8owXr5)[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row] --- --- title: "How Gift Funds Work When Buying a Home in Minnesota" slug: "how-gift-funds-work-when-buying-a-home-in-minnesota" date: "2026-09-13 20:14:00" author: "First Class Mortgage" --- ![How Gift Funds Work When Buying a Home in Minnesota](https://mnmortgage.com/wp-content/uploads/2026/08/500A8591-scaled.jpg) Gift funds can help a Minnesota homebuyer cover part or all of the cash needed for a home purchase. Depending on the mortgage program and transaction, gifted money may be used toward a down payment, closing costs, or other eligible funds required at closing. The key is to plan early. Mortgage gift funds cannot be treated like an informal cash handoff. Your lender may need to confirm who provided the money, verify that repayment is not expected, and document how the funds moved from the donor to the borrower or closing agent. If someone plans to help with your purchase, tell your loan officer before transferring the money. The exact rules depend on the loan program, property, occupancy, donor relationship, and underwriting requirements. ## Key Takeaways - A mortgage gift must be a genuine gift, not an undisclosed loan that must be repaid. - The acceptable donor depends on the mortgage program. - A signed gift letter is commonly required. - The lender may need evidence of the donor’s ability to provide the money and documentation of the transfer. - Do not deposit cash or move funds without first asking your loan officer how the transaction should be documented. - Gift funds and down payment assistance are different sources and may sometimes be combined if program rules allow. ## What Are Mortgage Gift Funds? Mortgage gift funds are money provided by an eligible donor to help a borrower complete a home purchase without an expectation of repayment. That last point matters: if the homebuyer must repay the money, it is generally a debt rather than a gift and needs to be evaluated accordingly. Eligible uses vary by program. For example, Fannie Mae’s current conventional-loan guidance allows personal gifts from acceptable donors to cover all or part of eligible down payment, closing-cost, or reserve requirements for a principal residence or second home, subject to its borrower-contribution rules. It does not allow personal gift funds on an investment property. FHA, VA, USDA, Freddie Mac, and other loan programs have their own requirements. Even within one program, the rules may change based on the number of units, occupancy, loan-to-value ratio, and underwriting findings. Your loan officer should confirm the requirements for your specific mortgage before anyone sends money. ## Who Can Give You Money for a Home Purchase? The answer depends on the loan program. Relatives are commonly acceptable donors, but some programs recognize other close personal relationships as well. Under current Fannie Mae guidance, an acceptable donor may include: - A spouse, child, dependent, or another person related by blood, marriage, adoption, or legal guardianship - A domestic partner or a relative of a domestic partner - A person engaged to marry the borrower - A former relative - Someone with a long-standing familial-like or mentorship relationship with the borrower Fannie Mae also states that the donor generally cannot be an interested party such as the builder, developer, real estate agent, or another party affiliated with the transaction. Other mortgage programs may define eligible donors differently. Do not assume that money from a friend, employer, business, seller, or real estate professional will qualify as a personal gift. There may be another permitted way to structure certain contributions, but it needs to be identified and documented correctly. ## What Is a Mortgage Gift Letter? A gift letter is a signed statement confirming the gift’s essential details. It helps the lender establish that the money comes from an acceptable source and does not create a repayment obligation that was omitted from the mortgage application. The exact form depends on the lender and loan program, but a gift letter commonly includes: - The donor’s name and contact information - The donor’s relationship to the borrower - The amount of the gift - A statement that repayment is not expected - The property address, when available or required - The donor’s signature and date Fannie Mae’s current guide requires the gift letter to state the actual or maximum gift amount, confirm that no repayment is expected, and identify the donor’s name, address, telephone number, and relationship to the borrower. Use the form or wording supplied by your mortgage team. A homemade note may omit information underwriting needs, leading to extra questions later. ## How Do You Document the Transfer? The lender needs a clear paper trail showing where the money came from and where it went. Acceptable documentation varies, but may include: - Evidence of an electronic transfer from the donor to the borrower - Evidence of an electronic transfer directly to the closing agent - A copy of the donor’s check and evidence of the borrower’s deposit - A copy of an official or cashier’s check provided at closing - A settlement statement showing receipt of the gift funds - Account documentation establishing that the donor had sufficient funds Fannie Mae lists several of these methods in its verification guidance. Your lender may request a specific combination of documents based on how and when the gift is transferred. The cleanest process is usually the one agreed upon before money moves. Keep copies of transfer confirmations, checks, deposit receipts, and requested account statements. Do not edit, obscure, or discard documents that the lender may need to review. ## Why Cash Gifts Can Create Problems Physical cash is difficult to source because it does not produce a clear record showing who provided it or where it was held. A large unexplained cash deposit may trigger questions and delay the file while the lender determines whether the funds are eligible. If a family member has already given you cash, do not invent a transfer history or submit misleading documentation. Tell your loan officer exactly what happened. They can explain whether the funds can be documented, whether additional time is needed, or whether a different source of funds should be used. The same principle applies to money transferred through payment apps, cryptocurrency accounts, or multiple accounts. These methods are not automatically prohibited in every situation, but they may create additional documentation steps. Ask first. ## When Should Gift Funds Be Transferred? There is no single timing rule for every mortgage. Funds may be transferred to the borrower before closing or, when permitted, delivered to the closing agent through an approved method. Talk with your mortgage team early—ideally during pre-approval or as soon as you know a gift will be part of the transaction. Early notice gives the team time to: 1. Confirm that the donor is eligible. 2. Determine how much of the required funds may come from a gift. 3. Provide the correct gift-letter form. 4. Explain how to transfer and document the funds. 5. Update the loan file if the amount changes. Avoid waiting until the final days before closing. Even a legitimate gift can slow the process if the documentation is incomplete or the amount differs from what underwriting approved. ## Can Gift Funds Cover the Entire Down Payment? [![](https://mnmortgage.com/wp-content/uploads/2026/08/500A8658-300x200.jpg)](https://mnmortgage.com/wp-content/uploads/2026/08/500A8658-scaled.jpg) Sometimes, but not always. The answer depends on the mortgage program, occupancy, property type, and transaction structure. Under Fannie Mae’s published rules, a one-unit principal residence may permit all funds needed to complete the transaction to come from a gift, even at a loan-to-value ratio above 80%. However, certain two- to four-unit principal residences and second homes above 80% loan-to-value require a minimum contribution from the borrower’s own funds. Other conventional products and government-backed programs may follow different rules. This is why general online answers can be misleading. Two Minnesota buyers using gift funds may receive different instructions because their loan programs or properties are different. To understand your overall cash requirement, review First Class Mortgage’s guide to the [average down payment on a home in Minnesota](https://mnmortgage.com/average-down-payment-on-a-home-in-minnesota/) and request a personalized estimate from a loan officer. ## Gift Funds vs. Down Payment Assistance Gift funds and down payment assistance are not the same. | Source | What it generally means | Important question | | --- | --- | --- | | Personal gift | Money from an eligible individual with no expected repayment | Is the donor eligible under the selected mortgage program? | | Down payment assistance | Help provided through a government, nonprofit, employer, or approved housing program | Is it a grant, deferred loan, forgivable loan, or repayable second mortgage? | | Seller contribution | An amount the seller agrees to pay toward eligible buyer costs | Does it comply with the loan program’s interested-party contribution limits? | | Lender credit | A credit provided through the mortgage pricing structure | How does it affect the interest rate, cash to close, and long-term cost? | Depending on the program, a buyer may be able to combine gift funds with assistance or another approved source. The mortgage team must review each source because repayment terms and program limits affect how the funds are treated. Minnesota buyers can learn more from First Class Mortgage’s overview of [down payment assistance in Minnesota](https://mnmortgage.com/down-payment-assistance-mn/). ## Do Mortgage Gift Funds Affect Taxes? Mortgage underwriting rules and federal tax rules answer different questions. A gift may be acceptable for a mortgage while still creating a tax-reporting question for the donor. The IRS explains that the donor is generally responsible for gift tax reporting when it applies and that making a taxable gift does not necessarily mean tax will be owed. Tax treatment can depend on the amount, the donor’s lifetime gifts, exclusions, and other circumstances. The mortgage company does not provide personal tax advice. Donors and recipients with tax questions should consult a qualified tax professional and review current [IRS gift-tax guidance](https://www.irs.gov/businesses/small-businesses-self-employed/frequently-asked-questions-on-gift-taxes). ## Common Gift-Fund Mistakes to Avoid ### Transferring money before speaking with the loan officer The transfer method may determine which documents are required. Planning first can prevent avoidable sourcing problems. ### Calling a repayable loan a gift If repayment is expected, disclose that obligation. An undisclosed loan can affect the borrower’s debts, qualification, and the accuracy of the application. ### Assuming every donor is eligible Relationships permitted by one mortgage program may be treated differently by another. Confirm eligibility before relying on the funds. ### Depositing physical cash Cash does not create the same traceable record as a documented transfer or check. Ask the mortgage team for instructions before accepting or depositing it. ### Changing the amount at the last minute If the actual gift differs from the approved amount, underwriting may need updated documentation or a revised loan submission. ### Spending the money before closing Gift funds allocated to the transaction need to remain available. Do not use them for furniture, moving costs, repairs, or other purchases unless your loan officer confirms that sufficient verified funds remain. ### Forgetting about other cash-to-close items A down payment is only part of the amount a buyer may need. Closing costs, prepaid taxes and insurance, inspections, appraisal expenses, and reserves may also affect the budget. Read more about [average closing costs in Minnesota](https://mnmortgage.com/average-closing-costs-in-minnesota/). ## A Simple Gift-Fund Checklist for Minnesota Buyers Before the transfer: - Tell your loan officer that you plan to use gift funds. - Confirm that the donor and intended use are eligible. - Ask whether any minimum borrower contribution applies. - Obtain the lender’s preferred gift-letter form. - Confirm the approved transfer method. During the transfer: - Use the exact donor and borrower accounts discussed with the lender. - Save transfer confirmations, checks, and deposit records. - Avoid cash and unexplained account movements. - Notify the loan officer if the amount or timing changes. Before closing: - Submit the signed gift letter and requested supporting documents. - Confirm that the funds have been accepted by underwriting. - Keep enough verified money available for the final cash-to-close amount. - Avoid opening new debt or making large purchases without consulting the mortgage team. ## Plan Your Minnesota Home Purchase With Confidence Gift funds can make homeownership more attainable, but the details should be handled carefully. The donor, amount, purpose, transfer method, and supporting documents all need to fit the selected mortgage program. First Class Mortgage has guided homebuyers from pre-approval through closing since 2006. As a locally owned mortgage brokerage based in Maple Grove, our team can compare available loan options and explain how gift funds may fit into your individual homebuying plan. [Schedule a call with First Class Mortgage](https://mnmortgage.com/schedule-a-call/) or [start your purchase pre-approval](https://www.blink.mortgage/app/signup/p/firstclassMG?campaign=home) before transferring gift money. We will help you understand what documentation your loan requires and what to expect next. ## Frequently Asked Questions ### Can my parents give me money for a down payment in Minnesota? Parents are commonly acceptable donors, but the lender still needs to confirm the selected mortgage program’s rules and document the gift. Ask for instructions before the money is transferred. ### Does a mortgage gift have to be paid back? No. A genuine gift does not include an expectation of repayment. If the donor expects repayment, disclose it to the lender so it can be evaluated as a debt or another permitted funding source. ### How does a lender verify gift funds? Verification may include a signed gift letter, evidence that the donor had sufficient funds, and records showing the transfer to the borrower or closing agent. Required documents depend on the program and transfer method. ### Can gift funds be used for closing costs? Many mortgage programs permit eligible gift funds to cover approved closing costs, but rules vary. Your loan officer must confirm the permitted amount and use for your specific transaction. ### Can I use gift funds to buy an investment property? Program rules differ, but personal gifts are often restricted for investment-property transactions. For example, Fannie Mae does not allow personal gift funds on an investment property under its cited guidance. Discuss acceptable asset sources with your loan officer. ### Can a friend provide mortgage gift funds? Possibly under some programs and relationship definitions, but not automatically. The lender will consider the loan program, the nature of the relationship, and whether the donor is an interested party to the transaction. --- --- title: "What Is a Mortgage Rate Float Down and Can It Help Minnesota Homebuyers?" slug: "what-is-a-mortgage-rate-float-down-and-can-it-help-minnesota-homebuyers" date: "2026-09-11 11:26:46" author: "First Class Mortgage" --- ![What Is a Mortgage Rate Float Down and Can It Help Minnesota Homebuyers?](https://mnmortgage.com/wp-content/uploads/2026/08/500A8615-scaled.jpg) Mortgage interest rates can change between the time you apply for a home loan and the day you close. For Minnesota homebuyers, this can create an important question: What happens if mortgage rates fall after you have already locked in your rate? A mortgage rate float down may provide an option in certain situations. However, availability, requirements, costs, and timing can vary depending on the lender and loan program. Understanding how a float-down option works can help you make a more informed decision when discussing your mortgage rate lock. ## What Is a Mortgage Rate Float Down? A mortgage rate float down is an option that may allow a borrower to receive a lower interest rate after locking in a mortgage rate if market rates decrease before closing. Normally, a rate lock protects the borrower from increases in interest rates during the lock period. However, a traditional rate lock generally does not automatically allow the borrower to benefit if rates fall. A float-down provision can potentially provide some flexibility. The exact terms depend on the mortgage lender and the specific rate-lock agreement. ## How Does a Float Down Work? The process can vary, but the general concept is straightforward. Suppose you lock in a mortgage rate while purchasing a Minnesota home. A few days later, market rates decrease. If your mortgage includes an eligible float-down option, your lender may allow you to request a lower rate before closing. The lender may have specific requirements regarding: - How much rates must decrease - When the option can be exercised - How many times the rate can be adjusted - Whether a fee applies - Which loan programs qualify - How close you are to closing Because these rules differ, borrowers should understand the terms before assuming a lower market rate will automatically be available. ## Why Would a Homebuyer Want a Float Down? The primary potential benefit is the opportunity to reduce the mortgage interest rate if market conditions improve after the initial rate lock. Even a relatively small difference in interest rate can affect the monthly principal and interest payment over the life of a mortgage. For example, a borrower who locks a rate and later qualifies for a lower rate through an available float-down option may be able to reduce the payment without restarting the entire mortgage process. However, the potential savings should always be compared with any costs associated with the option. ## Is a Float Down the Same as Floating Your Rate? No. These are two different concepts. **Floating a mortgage rate** generally means the borrower has not locked the interest rate and remains exposed to market rate changes before locking. **A float down** generally refers to an option available after the borrower has already locked the rate. Floating gives you the possibility of benefiting if rates fall, but you also accept the risk that rates could increase. A float-down option may provide some protection from rising rates while potentially allowing access to a lower rate if certain conditions are met. ## When Is a Float Down Available? [![](https://mnmortgage.com/wp-content/uploads/2026/08/CW5A8526-200x300.jpg)](https://mnmortgage.com/wp-content/uploads/2026/08/CW5A8526-scaled.jpg) There is no universal rule that every mortgage includes a float-down option. Availability depends on factors such as: - The lender - The mortgage program - The rate-lock agreement - Current market conditions - The remaining time before closing Some lenders may offer specific float-down structures, while others may not offer them at all. This is why borrowers should ask about the option before locking their mortgage rate rather than assuming it will be available later. ## Are There Costs for a Mortgage Rate Float Down? There can be. Depending on the lender and loan structure, accessing a lower rate may involve a fee or other pricing adjustment. The potential savings should therefore be evaluated against the cost of obtaining the lower rate. For example, if lowering the rate produces only a small monthly savings but requires a significant upfront cost, the option may not provide enough benefit to justify the expense. Your mortgage professional can help you compare the numbers based on your loan amount, rate, expected time in the home, and available pricing. ## What Happens If Rates Fall Without a Float Down? If your mortgage rate is locked and your agreement does not include a float-down provision, a decline in market rates generally does not automatically change your locked rate. That is one of the primary purposes of a rate lock. Your locked rate provides protection against market increases during the agreed-upon lock period, subject to the terms of the agreement. If rates fall significantly, you can discuss your options with your lender. Depending on the circumstances, there may be different strategies available, but they should be evaluated carefully because changing the loan structure can affect costs and closing timing. ## How Long Does a Rate Lock Last? Rate locks are generally available for a specific period. The length can vary depending on the lender, loan type, and transaction. For example, a rate lock might cover the expected period between application and closing. If the transaction takes longer than expected, the lock may need to be extended. A rate-lock extension can potentially involve additional costs, depending on the circumstances. This makes timing important when evaluating a float-down option or any other rate-lock feature. ## Should You Choose a Float Down? A float-down option may be worth considering if you want some protection from rising rates while retaining the possibility of benefiting from a meaningful decline before closing. However, it is not automatically the best choice for every borrower. Consider factors such as: - Current mortgage rates - Your expected closing date - The length of the rate lock - The cost of the option - How much rates would need to fall - The potential monthly savings - Your overall loan amount - Your plans for the property The right decision depends on the specific mortgage and market conditions. ## Ask About Float-Down Options Before Locking If you’re concerned about mortgage rates changing before closing, bring up the subject before you lock your rate. Ask your mortgage professional: - Does this loan offer a float-down option? - What happens if rates decrease? - How much would rates need to fall? - Is there a fee? - When can the option be exercised? - What happens if my closing is delayed? - Does the option apply to my specific mortgage program? Getting answers before the rate lock can help you understand exactly what flexibility you have. ## Conclusion A mortgage rate float down can potentially give eligible borrowers an opportunity to take advantage of lower mortgage rates after locking in an initial rate. However, float-down options are not universal, and their terms can vary significantly between lenders and loan programs. Costs, timing requirements, minimum rate reductions, and eligibility can all affect whether the option makes financial sense. For Minnesota homebuyers, the best approach is to discuss rate-lock options with your mortgage professional before locking your loan. Understanding the available choices can help you make a more informed decision as you move toward closing. --- --- title: "How Do HOA Fees Affect Mortgage Qualification and Affordability in Minnesota?" slug: "how-do-hoa-fees-affect-mortgage-qualification-and-affordability-in-minnesota" date: "2026-09-07 19:26:26" author: "First Class Mortgage" --- ![How Do HOA Fees Affect Mortgage Qualification and Affordability in Minnesota?](https://mnmortgage.com/wp-content/uploads/2026/08/CW5A8356-scaled.jpg) When buying a home in Minnesota, your mortgage payment is only one part of the total monthly housing cost. If you purchase a property that belongs to a homeowners association, you may also have to pay monthly or annual HOA dues. These fees can affect how much home you can comfortably afford and may also factor into how a lender evaluates your mortgage application. Understanding how HOA dues fit into your overall housing expenses can help you set a realistic budget before making an offer. ## What Are HOA Fees? Homeowners association fees are payments made by property owners within an HOA community. The fees help fund services and maintenance that benefit the community. Depending on the property and association, HOA dues may help cover things such as: - Common area maintenance - Landscaping - Snow removal - Exterior maintenance - Shared amenities - Building maintenance - Community insurance - Association management - Other shared expenses The amount can vary significantly between properties. A condominium may have relatively substantial monthly association fees because the dues can cover maintenance of shared areas and portions of the building. A townhome may also have HOA dues that cover specific exterior or community responsibilities. ## Do HOA Fees Affect Mortgage Qualification? They can. When evaluating a mortgage application, lenders generally consider the borrower’s recurring housing expenses along with other monthly debts. HOA dues can therefore become part of the overall housing expense used when evaluating affordability and debt obligations. This matters because two homes with the same purchase price can have very different monthly costs. For example, imagine two properties have similar mortgage payments: **Home A** - Mortgage payment: $2,000 - HOA dues: $0 **Home B** - Mortgage payment: $2,000 - HOA dues: $400 The second property requires an additional $400 every month, which can affect the buyer’s overall housing budget. ## How HOA Dues Can Affect Your Debt-to-Income Ratio Debt-to-income ratio, or DTI, compares certain monthly debt obligations with gross monthly income. Because housing expenses are an important part of mortgage qualification, HOA dues can affect the calculation used to evaluate a borrower’s ability to manage the proposed payment. Consider a borrower earning $8,000 per month before taxes. If the proposed housing costs are already relatively high, adding several hundred dollars in HOA dues can increase the overall monthly obligation. That may affect the amount of mortgage financing the borrower qualifies for, depending on the complete financial profile and loan program. This is one reason buyers should not evaluate a property based solely on its listing price. ## HOA Fees Can Change Your True Homebuying Budget A buyer might find a $350,000 condo that appears affordable based on the purchase price. However, if the property has significant monthly HOA dues, the actual cost of ownership could be considerably higher than expected. When comparing homes, consider the complete monthly housing expense, including: - Principal and interest - Property taxes - Homeowners insurance - HOA dues - Mortgage insurance when applicable - Other required property-related costs Looking at the complete picture gives you a more realistic understanding of what each property may cost. ## Higher HOA Fees Do Not Necessarily Mean a Bad Property [![](https://mnmortgage.com/wp-content/uploads/2026/08/CW5A0133-200x300.jpg)](https://mnmortgage.com/wp-content/uploads/2026/08/CW5A0133-scaled.jpg) A higher HOA fee is not automatically a reason to reject a property. The important question is what the fee provides and whether the total cost fits your financial situation. For example, an HOA may cover expenses that a homeowner would otherwise need to pay independently. A condominium association could handle certain exterior maintenance, common areas, snow removal, landscaping, or other services. Instead of looking only at the monthly fee, compare the total cost of ownership and understand what is included. ## Ask What the HOA Fee Covers Before buying a home with an HOA, ask for details about what your dues actually cover. Important questions may include: - What services are included? - How much are the current monthly dues? - How often can dues increase? - Are there additional community fees? - Are there upcoming special assessments? - What maintenance responsibilities remain with the homeowner? - What amenities are included? - What insurance does the association carry? These questions can help prevent surprises after closing. ## Watch for Special Assessments Monthly HOA dues are not necessarily the only association-related expense. Some communities may charge special assessments when additional funds are needed for major repairs, improvements, or unexpected expenses. A special assessment could potentially create a significant additional cost for homeowners. Before purchasing a property within an HOA, buyers should review available association information and understand whether there are known or anticipated assessments. Your mortgage professional and other members of your homebuying team can help you understand which documents should be reviewed as part of the purchase process. ## HOA Fees Are Especially Important for Condo Buyers Condominium buyers should pay particularly close attention to association costs because condo ownership commonly involves shared building and community expenses. A condo with a lower purchase price is not necessarily less expensive each month than a higher-priced home. For example, compare: **Condo** - Lower purchase price - Mortgage payment: $1,700 - HOA dues: $500 **Single-family home** - Higher purchase price - Mortgage payment: $2,000 - HOA dues: $0 The condo may have the lower purchase price but a similar or even higher total monthly housing expense. That is why comparing monthly costs can be more useful than comparing listing prices alone. ## How Minnesota Homebuyers Can Budget for HOA Costs If you’re considering an HOA property in Minnesota, include the association dues in your initial affordability calculations. Before shopping, determine a comfortable monthly housing budget rather than focusing only on the maximum mortgage amount you might qualify for. Then compare potential properties based on their complete monthly expenses. This approach can help you avoid falling in love with a home that technically fits within a purchase-price range but becomes uncomfortable once HOA dues and other expenses are included. ## Review HOA Information Before Making an Offer Buyers should learn as much as possible about an HOA before committing to a property. Depending on the community, relevant documents may include: - HOA budget - Rules and regulations - Fee schedules - Meeting information - Financial statements - Reserve information - Special assessment notices - Insurance information Understanding the financial health and responsibilities of the association can be just as important as understanding the home’s purchase price. ## Talk With Your Mortgage Professional Early If you’re considering a condo, townhome, or another property with HOA dues, mention the association fees to your mortgage professional early in the process. Providing accurate information about the property can help your lender evaluate the complete housing expense and determine how it fits within your mortgage qualification. This is especially important when comparing several properties with different HOA costs. A home with a slightly higher purchase price but lower monthly association fees may have a very different affordability profile from a less expensive property with substantial HOA dues. ## Conclusion HOA fees are an important part of the cost of owning a home in Minnesota. They can affect your total monthly housing expense and may also be considered when evaluating mortgage qualification and affordability. For that reason, buyers should look beyond the purchase price and mortgage payment when comparing homes. Before purchasing a property with an HOA, understand what the dues cover, review the association’s financial information, check for potential special assessments, and include the fees in your overall housing budget. Taking these costs into account early can help you choose a Minnesota home that fits your financial goals both at closing and over the long term. --- --- title: "Buying a Duplex in Minnesota: What Homebuyers Should Know Before Getting Started" slug: "buying-a-duplex-in-minnesota-what-homebuyers-should-know-before-getting-started" date: "2026-09-05 10:37:24" author: "First Class Mortgage" --- ![Buying a Duplex in Minnesota: What Homebuyers Should Know Before Getting Started](https://mnmortgage.com/wp-content/uploads/2026/08/500A8756-scaled.jpg) Buying a duplex can offer Minnesota homebuyers an opportunity to combine homeownership with rental income. Instead of purchasing a traditional single-family home, you may live in one unit while renting out the other. For some buyers, this can help offset a portion of their monthly housing costs. For others, purchasing a duplex may be the first step toward building a real estate investment portfolio. However, financing and qualifying for a duplex can involve considerations that differ from buying a traditional single-family home. Before beginning your search, it is helpful to understand how owner occupancy, rental income, down payments, and mortgage requirements may affect your options. ## What Is an Owner-Occupied Duplex? An owner-occupied duplex is a two-unit property where the buyer plans to live in one of the units as their primary residence. The other unit may be rented to a tenant. This arrangement can make a duplex appealing because the rental income may help contribute toward housing expenses. However, the exact impact that expected or existing rental income can have on mortgage qualification depends on the loan program, property, documentation, and individual borrower qualifications. Buying a duplex as your primary residence may also give you access to financing options that may not be available for a purely investment property. ## Can You Use Rental Income to Qualify for a Mortgage? In some situations, rental income from the second unit may be considered when qualifying for a mortgage. For example, if the property already has a tenant, the existing lease and rental history may be part of the lender’s review. If the unit will be rented after you purchase the property, an appraisal may help establish the property’s estimated market rent. However, this does not necessarily mean that every dollar of expected rent will automatically be counted toward your qualifying income. Mortgage guidelines can vary depending on factors such as: - The type of loan - Whether the property is owner-occupied - Your experience managing rental property - Existing or expected rental income - Lease documentation - The property’s appraisal - Your overall financial profile Speaking with a mortgage professional before making an offer can help you better understand how rental income may be treated in your specific situation. ## What Types of Loans Can Be Used to Buy a Duplex? Depending on your qualifications and plans for the property, several mortgage options may be available for purchasing a duplex. ### Conventional Loans Some conventional mortgage programs allow buyers to finance owner-occupied properties with multiple units. Qualification requirements can vary based on the number of units, your down payment, credit profile, reserves, and other financial factors. ### FHA Loans An FHA loan may be an option for eligible buyers purchasing an owner-occupied duplex. These programs can be particularly appealing to buyers who are looking for a lower down payment option, although the property and borrower must meet applicable program requirements. ### VA Loans Eligible veterans, active-duty service members, and other qualified borrowers may be able to use a VA loan to purchase an owner-occupied property with multiple units. As with other loan programs, occupancy and property requirements apply. The right loan depends on your financial situation, eligibility, and long-term plans for the property. ## How Much Down Payment Do You Need for a Duplex? [![](https://mnmortgage.com/wp-content/uploads/2026/08/500A8739-239x300.jpg)](https://mnmortgage.com/wp-content/uploads/2026/08/500A8739-scaled.jpg) The required down payment can vary significantly depending on the mortgage program you choose. Your down payment may be influenced by: - Whether you will live in the property - The type of mortgage - The number of units - Your credit and financial profile - Program-specific requirements A duplex purchased as an investment property may have different requirements than a duplex where you plan to live in one of the units. This is one reason why it can be beneficial to explore your financing options before beginning your property search. ## Consider the Responsibilities of Being a Landlord Living next door to your tenant can offer convenience, but it also means taking on the responsibilities of being a landlord. Depending on the property and rental agreement, you may be responsible for: - Property maintenance - Repairs - Tenant screening - Lease agreements - Collecting rent - Managing vacancies - Insurance considerations Unexpected repairs or periods when the second unit is vacant can affect your budget. Before purchasing a duplex, it is important to consider whether you are financially and practically prepared for these responsibilities. ## Location Can Affect Your Investment Potential As with any Minnesota home purchase, location matters. When evaluating a duplex, consider factors such as: - Local rental demand - Neighborhood amenities - Property condition - School districts - Access to transportation - Employment opportunities - Comparable rental properties A property that works well for you as a primary residence should also be evaluated from the perspective of its potential rental appeal. Researching the local market can help you develop more realistic expectations about potential rental income and future demand. ## Do Not Forget About Property Condition Duplexes can sometimes require more maintenance than buyers initially expect, especially if the property is older or has been used as a rental for many years. Before purchasing, consider the condition of major systems and features, including: - Roofing - Plumbing - Electrical systems - Heating and cooling - Windows - Appliances - Foundations - Shared spaces A professional home inspection can help identify potential issues before you move forward with the purchase. Major repairs can quickly affect the financial benefits of owning a rental unit, so understanding the property’s condition is an important part of the buying process. ## Calculate More Than Just Your Mortgage Payment Potential rental income can be attractive, but it should not be the only number you consider. Create a realistic budget that includes expenses such as: - Mortgage payments - Property taxes - Homeowners insurance - Utilities - Maintenance - Repairs - Potential vacancy periods It can also be helpful to set aside funds for unexpected expenses. Looking at the complete financial picture can help you determine whether the property fits comfortably within your budget. ## Get Pre-Approved Before Shopping for a Duplex A mortgage pre-approval can give you a clearer understanding of your potential buying power before you begin making offers. For duplex buyers, the pre-approval process can be particularly useful because multi-unit properties may involve additional factors that are not always present with a traditional single-family home. A mortgage professional can help you explore questions such as: - Which loan programs may fit your situation? - How much might you qualify to borrow? - How could rental income affect qualification? - What down payment options may be available? - What financial factors should you prepare before applying? Having these conversations early can help you search for properties with greater confidence. ## Is Buying a Duplex Right for You? Buying a duplex is not the right choice for every homebuyer, but it can offer unique opportunities for those who are comfortable with the additional responsibilities. For some Minnesota buyers, living in one unit and renting the other may help create an additional source of income while building equity through homeownership. At the same time, owning a duplex involves more than simply collecting rent. Property maintenance, tenant management, vacancies, and unexpected expenses should all be part of your decision-making process. The best approach is to evaluate both the benefits and responsibilities before making a commitment. ## Conclusion Buying a duplex in Minnesota can be an interesting option for homebuyers who want to combine primary homeownership with rental income. Understanding your mortgage options, potential down payment, qualification requirements, rental income considerations, and responsibilities as a landlord can help you make a more informed decision. Before starting your search, getting pre-approved and discussing your goals with a mortgage professional can give you a clearer picture of what may be possible and help you find a financing strategy that fits your plans. --- --- title: "Buying a New Home Before Selling Your Current Home: What Minnesota Homeowners Should Know" slug: "buying-a-new-home-before-selling-your-current-home-what-minnesota-homeowners-should-know" date: "2026-09-02 20:32:05" author: "First Class Mortgage" --- ![Buying a New Home Before Selling Your Current Home: What Minnesota Homeowners Should Know](https://mnmortgage.com/wp-content/uploads/2026/08/crystalsphotographymn-16-1-scaled.jpg) Buying a new home while you still own your current one can create an exciting opportunity, but it can also add another layer of financial planning to the homebuying process. Many Minnesota homeowners find themselves in this situation when they need more space, want to move to a different area, are downsizing, or have found a home they do not want to miss. The challenge is figuring out how to purchase the next home without creating unnecessary financial pressure before the current property is sold. Understanding your options before making an offer can help you create a smoother plan for both transactions. ## Can You Buy a New Home Before Selling Your Current One? Yes, in some situations, you may be able to buy a new home before selling your existing property. Whether this makes sense depends on several factors, including: - Your current mortgage payment - Your income and monthly debts - How much equity you have in your current home - The down payment needed for the new property - Your ability to qualify while carrying two housing payments - How quickly you expect your current home to sell A mortgage professional can review your financial situation and help determine whether you may qualify to purchase the next home before your existing one is sold. For some homeowners, the numbers may support owning both properties temporarily. For others, selling first or using a contingency may be the more practical approach. ## Consider Whether You Can Qualify With Both Mortgage Payments One of the biggest questions is whether you can qualify for a new mortgage while your current mortgage is still active. Mortgage lenders generally look at your overall financial picture, including your income, existing debts, and housing obligations. If you plan to keep your current home temporarily, your existing mortgage payment may be included when evaluating your ability to take on another mortgage. This can affect how much you are able to borrow for your next home. Before you start seriously shopping, getting a clear picture of your potential buying power can help you avoid falling in love with a property that may not fit comfortably within your financial situation. ## Your Home Equity Could Play an Important Role If you have built equity in your current home, that equity may be an important part of your next purchase. For example, the proceeds from selling your current property could potentially be used toward: - Your down payment - Closing costs - Reducing the mortgage amount on your new home The challenge is that if you buy before selling, your equity may still be tied up in your current property. This is why homeowners considering this approach should think carefully about how they will fund the down payment and other costs associated with the new purchase. Depending on your financial situation, there may be different financing strategies available to help bridge the gap between selling one home and purchasing another. ## Understand the Risks of Carrying Two Homes Even if you qualify for both mortgage payments, it is important to consider the practical side of temporarily owning two properties. You could be responsible for: - Two mortgage payments - Property taxes - Homeowners insurance - Utilities - Maintenance and repairs - Unexpected expenses on either property Your current home may sell quickly, but there is never a guarantee that a property will sell within a specific timeframe. Before moving forward, consider how long you could comfortably manage two homes if the sale takes longer than expected. Having a financial cushion can provide additional flexibility and help reduce stress during the transition. ## Should You Make Your Offer Contingent on Selling Your Current Home? A home sale contingency can allow you to make an offer on a new property that depends on the successful sale of your current home. This approach can reduce some of the financial risk because you may not have to complete the purchase unless your existing property sells under the agreed-upon terms. However, there can also be drawbacks. In a competitive market, sellers may prefer offers without a home sale contingency because they can provide more certainty. Whether a contingency makes sense can depend on the local market, the demand for the home you want to purchase, and how prepared you are to sell your current property. Working with experienced real estate and mortgage professionals can help you understand how a contingency may fit into your overall strategy. ## Selling First Can Provide More Financial Certainty [![](https://mnmortgage.com/wp-content/uploads/2026/08/crystalsphotographymn-20-1-1-200x300.jpg)](https://mnmortgage.com/wp-content/uploads/2026/08/crystalsphotographymn-20-1-1-scaled.jpg) For some homeowners, selling their current property before buying the next one may be the simpler option. Once your home sells, you may have a clearer understanding of: - How much equity you have available - The proceeds you can use toward your next purchase - Your remaining mortgage balance - Your updated financial situation This can make it easier to establish a realistic budget for your next home. The downside is that you may need temporary housing if you do not find and close on your next property before your current home sale is completed. Timing both transactions can be challenging, which is why planning ahead is important. ## Prepare Your Current Home Before You Start Shopping If you expect to sell your current property soon, preparing it for the market early can give you more flexibility. Consider taking care of necessary repairs, decluttering, improving curb appeal, and speaking with a real estate professional about what may help your home appeal to potential buyers. Knowing the approximate value of your current home can also help you better understand how much equity may be available for your next purchase. The more prepared you are to list your home, the easier it may be to move forward when the right opportunity appears. ## Get Pre-Approved Before Making a Decision A pre-approval can be especially helpful when you are trying to buy and sell at the same time. Your mortgage professional can review your financial information and help you understand how your current mortgage may affect your ability to purchase another property. This conversation can help answer important questions before you begin making offers, such as: - Can you potentially qualify while keeping your current mortgage? - How much could you comfortably spend on your next home? - What down payment options may be available? - How could the sale of your current home affect your financing? - What should happen first: selling or buying? Understanding these details early can help you create a more realistic timeline. ## Create a Plan for Both Transactions Buying and selling a home at the same time often requires coordination. You may need to consider the timing of: - Listing your current home - Accepting an offer - Making an offer on your next property - Completing inspections - Finalizing mortgage financing - Closing on both homes - Moving between properties Every situation is different, and the best approach may depend on your finances, local housing market, and personal timeline. Creating a plan before starting the process can help you avoid rushed decisions and unexpected complications. ## Conclusion Buying a new home before selling your current one may be possible, but it is important to understand the financial responsibilities and potential risks involved. Your income, existing mortgage, available savings, home equity, and ability to manage two properties can all influence which strategy makes the most sense. For some Minnesota homeowners, buying first may provide the flexibility needed to find the right property. For others, selling first or using a home sale contingency may offer greater financial security. Before making a move, reviewing your mortgage options and creating a clear plan for both transactions can help you approach the process with more confidence and make the transition to your next home as smooth as possible. --- --- title: "Turkey Giveaway Registration Form" slug: "turkey-giveaway-registration-form" date: "2026-08-18 19:47:29" author: "kaye@loansites.com" --- [vc_row type=”full_width_background” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” full_height=”yes” scene_position=”center” top_padding=”5%” constrain_group_1=”yes” bottom_padding=”5%” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”center” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][vc_custom_heading text=”Turkey Giveaway Registration” use_theme_fonts=”yes” css=””][vc_column_text css=”” text_direction=”default”]Give thanks and celebrate the season with us! Complete the form below to register for our Turkey Giveaway and secure your chance to receive a turkey for your holiday meal.[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/6″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][/vc_column_inner][vc_column_inner column_padding=”padding-5-percent” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color=”#ffffff” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”large_depth” column_border_radius=”10px” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”2/3″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][vc_raw_html css=””]JTVCZmx1ZW50Zm9ybSUyMGlkJTNEJTIyODclMjIlNUQ=[/vc_raw_html][vc_column_text css=”” text_direction=”default”]***Photography & Video Notice:** By RSVP’ing and attending this event, you acknowledge and agree that you and your party may be photographed, videotaped, or otherwise recorded. You grant the event organizer and its authorized representative’s permission to use your image, likeness, and/or voice in photographs, videos, and other media for marketing, promotional, editorial, and other lawful purposes.*[/vc_column_text][/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/6″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row] --- --- title: "Fall Festival Registration" slug: "fall-festival-registration" date: "2026-08-18 19:25:21" author: "kaye@loansites.com" --- [vc_row type=”full_width_background” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” full_height=”yes” scene_position=”center” top_padding=”5%” constrain_group_1=”yes” bottom_padding=”5%” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”center” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][vc_custom_heading text=”Fall Festival Registration” use_theme_fonts=”yes” css=””][vc_column_text css=”” text_direction=”default”]Join us for a fun-filled Fall Festival! Fill out the form below to reserve your spot and celebrate the season with us.[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/6″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][/vc_column_inner][vc_column_inner column_padding=”padding-5-percent” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color=”#ffffff” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”large_depth” column_border_radius=”10px” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”2/3″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][vc_raw_html css=””]JTVCZmx1ZW50Zm9ybSUyMGlkJTNEJTIyODYlMjIlNUQ=[/vc_raw_html][vc_column_text css=”” text_direction=”default”]***Photography & Video Notice:** By RSVP’ing and attending this event, you acknowledge and agree that you and your party may be photographed, videotaped, or otherwise recorded. You grant the event organizer and its authorized representative’s permission to use your image, likeness, and/or voice in photographs, videos, and other media for marketing, promotional, editorial, and other lawful purposes.*[/vc_column_text][/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/6″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row] --- --- title: "Events & Sponsorships" slug: "events" date: "2022-08-11 02:42:47" author: "LoanSites" --- [vc_row type=”full_width_background” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” bg_image=”16502″ bg_position=”center center” background_image_loading=”default” bg_repeat=”no-repeat” full_height=”yes” scene_position=”center” text_color=”light” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” enable_gradient=”true” color_overlay=”#9cb3c3″ advanced_gradient_angle=”0″ overlay_strength=”0.95″ gradient_direction=”left_to_right” enable_shape_divider=”true” shape_divider_color=”#ffffff” shape_divider_position=”bottom” shape_divider_height=”550″ bg_image_animation=”none” video_mute=”true” shape_type=”waves_opacity_alt” gradient_type=”default”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”2/3″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][split_line_heading animation_type=”default” text_direction=”default”] # Upcoming Events & Sponsorships [/split_line_heading][nectar_btn size=”jumbo” button_style=”see-through-2″ hover_text_color_override=”#ffffff” icon_family=”none” url=”#more” text=”See Events” css_animation=”slideInUp” margin_right=”35″][nectar_btn size=”jumbo” button_style=”regular” button_color_2=”Extra-Color-1″ icon_family=”none” url=”#sponsor” text=”Sponsorships” css_animation=”slideInUp”][/vc_column][vc_column column_padding=”padding-1-percent” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/3″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none”][vc_column column_padding=”padding-5-percent” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color=”#ffffff” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”x_large_depth” column_border_radius=”10px” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][vc_custom_heading text=”Check out some of First Class Mortgage’s upcoming events!” font_container=”tag:h2|text_align:center” use_theme_fonts=”yes” css=””][vc_row_inner equal_height=”yes” content_placement=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” top_padding=”3%” constrain_group_1=”yes” bottom_padding=”3%” left_padding_desktop=”3%” constrain_group_2=”yes” right_padding_desktop=”3%” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_blank” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” column_link=”/fall-festival-registration/” gradient_type=”default”][image_with_animation image_url=”16259″ image_size=”full” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”none” alignment=”” border_radius=”10px” box_shadow=”large_depth” image_loading=”default” max_width=”100%” max_width_mobile=”default”][/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_blank” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” column_link=”/fall-festival-registration/” gradient_type=”default”][vc_column_text css=”” text_direction=”default”]**Events** ### Fall Festival – Oct 3, 2026 | 10AM – 1PM Join us for the 5th Annual First Class Mortgage Fall Festival as we celebrate our 20th year in business! This free, family friendly community event takes place at First Class Mortgage, [*12906 63rd Ave N, Maple Grove, MN*](https://maps.app.goo.gl/nXakfKg6i1bdSwdx7). The Fall Festival is our small way of saying thank you to our clients, referral partners and community for supporting us. We look forward to celebrating with you and kicking off the fall season together.[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=”yes” content_placement=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” top_padding=”3%” constrain_group_1=”yes” bottom_padding=”3%” left_padding_desktop=”3%” constrain_group_2=”yes” right_padding_desktop=”3%” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_blank” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” column_link=”/turkey-giveaway-registration-form/” gradient_type=”default”][image_with_animation image_url=”16263″ image_size=”full” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”none” alignment=”” border_radius=”10px” box_shadow=”large_depth” image_loading=”default” max_width=”100%” max_width_mobile=”default”][/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_blank” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” column_link=”/turkey-giveaway-registration-form/” gradient_type=”default”][vc_column_text css=”” text_direction=”default”]**Events** ### Turkey Giveaway – Nov 20, 2026 | 9AM – 4PM Mark your calendars for our annual Turkey Giveaway at First Class Mortgage, [*12906 63rd Ave N, Maple Grove, MN*](https://maps.app.goo.gl/nXakfKg6i1bdSwdx7). Make sure to register and stop by on the 20th to pick up your free turkey for Thanksgiving. We are thankful for you![/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=”yes” content_placement=”middle” disable_element=”yes” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” top_padding=”3%” constrain_group_1=”yes” bottom_padding=”3%” left_padding_desktop=”3%” constrain_group_2=”yes” right_padding_desktop=”3%” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_blank” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” column_link=”https://mgco.org/our-events/maple-grove-days-event/” gradient_type=”default”][image_with_animation image_url=”15996″ image_size=”full” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”none” alignment=”” border_radius=”10px” box_shadow=”large_depth” image_loading=”default” max_width=”100%” max_width_mobile=”default”][/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_blank” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” column_link=”https://mgco.org/our-events/maple-grove-days-event/” gradient_type=”default”][vc_column_text css=”” text_direction=”default”]**Events** ### Maple Grove Days Events – July 15-19, 2026 Be sure to join us this year. Lots of fun for everyone![/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=”yes” content_placement=”middle” disable_element=”yes” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” top_padding=”3%” constrain_group_1=”yes” bottom_padding=”3%” left_padding_desktop=”3%” constrain_group_2=”yes” right_padding_desktop=”3%” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” column_link=”https://mnmortgage.com/2026-fathers-day-giveaway/” gradient_type=”default”][image_with_animation image_url=”15568″ image_size=”full” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”none” alignment=”” border_radius=”10px” box_shadow=”large_depth” image_loading=”default” max_width=”100%” max_width_mobile=”default”][/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” column_link=”https://mnmortgage.com/2026-fathers-day-giveaway/” gradient_type=”default”][vc_column_text css=”” text_direction=”default”]**Events** ### 2026 – Father’s Day Giveaway Celebrate Dad with our Father’s Day Giveaways! 🎉 Enter for a chance to win awesome…[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=”yes” content_placement=”middle” disable_element=”yes” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” top_padding=”3%” constrain_group_1=”yes” bottom_padding=”3%” left_padding_desktop=”3%” constrain_group_2=”yes” right_padding_desktop=”3%” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” column_link=”https://mnmortgage.com/2026-mothers-day-giveaway/” gradient_type=”default”][image_with_animation image_url=”15569″ image_size=”full” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”none” alignment=”” border_radius=”10px” box_shadow=”large_depth” image_loading=”default” max_width=”100%” max_width_mobile=”default”][/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” column_link=”https://mnmortgage.com/2026-mothers-day-giveaway/” gradient_type=”default”][vc_column_text css=”” text_direction=”default”]**Events** ### 2026 – Mother’s Day Giveaway Celebrate Mom with our Mother’s Day Giveaways! 💐 Enter for a chance to win special…[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” top_padding=”10%” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][nectar_global_section id=”15385″][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” top_padding=”5%” constrain_group_1=”yes” bottom_padding=”5%” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” id=”sponsor” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][nectar_global_section id=”14015″][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” disable_element=”yes” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][nectar_global_section id=”9048″][/vc_column][/vc_row] --- --- title: "Featured Review" slug: "featured-review" date: "2022-04-29 00:27:57" author: "LoanSites" --- [vc_row type=”full_width_background” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” bg_image=”16301″ bg_position=”center center” background_image_loading=”default” bg_repeat=”no-repeat” scene_position=”center” top_padding=”6%” bottom_padding=”6%” text_color=”light” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” advanced_gradient=”linear-gradient(267deg, rgba(156,179,195,0) 25%, rgba(74,85,93,0.024) 51%, rgba(0, 0, 0, 0.695) 90%)” advanced_gradient_angle=”267″ shape_divider_position=”bottom” bg_image_animation=”none” shape_type=”triangle” gradient_type=”advanced” advanced_gradient_display_type=”linear”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”5px” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all” class=”mobile-hidden”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” bottom_margin=”-200″ column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/4″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][image_with_animation image_url=”8465″ image_size=”full” animation_type=”entrance” animation=”Fade In From Left” animation_easing=”default” animation_movement_type=”transform_y” hover_animation=”none” alignment=”” border_radius=”none” box_shadow=”none” image_loading=”default” max_width=”100%” max_width_mobile=”default” delay=”350″][/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”3/4″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][/vc_column_inner][/vc_row_inner][vc_row_inner column_margin=”none” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” enable_animation=”true” animation=”fade-in-from-left” animation_easing=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” delay=”400″][split_line_heading animation_type=”default” animation_delay=”400″ text_direction=”default” max_width=”450″] ## 1000+ 5-star reviews speak for themselves! [/split_line_heading][nectar_single_testimonial testimonial_style=”basic” image=”7990″ add_image_shadow=”true” text_color=”#ffffff” quote=”I have worked with First Class Mortgage three times and each time has been better than the last, PURELY excellent each time. Brady Day and his team are wonderful to work with. They have good insights and I trust them.” name=”Carol M.” subtitle=”Minnesota”][divider line_type=”No Line” custom_height=”50″][nectar_cta btn_style=”arrow-animation” heading_tag=”h4″ button_color=”default” text_color=”#ffffff” button_border_thickness=”0px” link_type=”regular” alignment=”left” alignment_tablet=”default” alignment_phone=”default” display=”block” display_tablet=”inherit” display_phone=”inherit” link_text=”See More Reviews” url=”https://www.mnmortgage.com/reviews/” margin_top=”10″][/vc_column_inner][/vc_row_inner][/vc_column][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][/vc_column][/vc_row] --- --- title: "Our Team" slug: "our-team" date: "2021-06-21 19:00:10" author: "LoanSites" --- [vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” top_padding=”1%” bottom_padding=”3%” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_row_inner equal_height=”yes” content_placement=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”padding-5-percent” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” enable_animation=”true” animation=”grow-in” animation_easing=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text css=”” text_direction=”default”] # Meet Our Team [/vc_column_text][divider line_type=”Small Line” line_alignment=”default” line_thickness=”2″ divider_color=”accent-color” animate=”yes” custom_height=”40″ custom_line_width=”40″][vc_column_text css_animation=”fadeInDown”] **First-class service. First-class knowledge. A first-class experience. **We are staffed and operated by people who understand that each customer is special and individual attention is necessary to satisfy each unique financial situation. That’s why at First Class Mortgage, we have simplified the mortgage process. [/vc_column_text][vc_column_text css_animation=”fadeInDown”] **Locally owned. Connected nationwide.** [/vc_column_text][vc_column_text css_animation=”fadeInDown”]**We are licensed in MN, SD, WI, and FL.**[/vc_column_text][/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” advanced_gradient_angle=”0″ gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” gradient_type=”default”][image_with_animation image_url=”13406″ image_size=”full” animation_type=”entrance” animation=”ro-reveal-from-right” animation_easing=”default” animation_movement_type=”transform_y” hover_animation=”zoom-crop” alignment=”center” border_radius=”10px” image_loading=”default” max_width=”100%” max_width_mobile=”default” delay=”400″ img_link=”#team”][vc_column_text] #### First Class Mortgage //  Maple Grove, MN [/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=”yes” content_placement=”top” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”center” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all” el_id=”team”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” advanced_gradient_angle=”0″ gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/4″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” gradient_type=”default”][image_with_animation image_url=”13494″ image_size=”full” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”zoom-crop” alignment=”center” border_radius=”10px” box_shadow=”medium_depth” image_loading=”default” max_width=”100%” max_width_mobile=”default” img_link=”/our-team/brady-day”][vc_column_text] #### Brady Day //  Owner [/vc_column_text][/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” advanced_gradient_angle=”0″ gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/4″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” gradient_type=”default”][image_with_animation image_url=”13687″ image_size=”full” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”zoom-crop” alignment=”center” border_radius=”10px” box_shadow=”medium_depth” image_loading=”default” max_width=”100%” max_width_mobile=”default” img_link=”/our-team/Casey-Van-Winkle”][vc_column_text] #### Casey Van Winkle //  Owner [/vc_column_text][/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” advanced_gradient_angle=”0″ gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/4″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” gradient_type=”default”][image_with_animation image_url=”13495″ image_size=”full” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”zoom-crop” alignment=”center” img_link_target=”_blank” border_radius=”10px” box_shadow=”medium_depth” image_loading=”default” max_width=”100%” max_width_mobile=”default” img_link=”/our-team/brenda-van-winkle/”][vc_column_text] #### Brenda Van Winkle //  Office Manager [/vc_column_text][/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” advanced_gradient_angle=”0″ gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/4″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” gradient_type=”default”][image_with_animation image_url=”13493″ image_size=”full” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”zoom-crop” alignment=”center” border_radius=”10px” box_shadow=”medium_depth” image_loading=”default” max_width=”100%” max_width_mobile=”default” img_link=”/our-team/Bobbi-Sondergard”][vc_column_text] #### Bobbi Sondergard //  Mortgage Consultant [/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=”yes” content_placement=”top” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”center” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all” el_id=”team”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” advanced_gradient_angle=”0″ gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/4″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” gradient_type=”default”][image_with_animation image_url=”13501″ image_size=”full” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”zoom-crop” alignment=”center” border_radius=”10px” box_shadow=”medium_depth” image_loading=”default” max_width=”100%” max_width_mobile=”default” img_link=”/our-team/kevin-criter”][vc_column_text] #### Kevin Criter //  Mortgage Consultant [/vc_column_text][/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” advanced_gradient_angle=”0″ gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/4″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” gradient_type=”default”][image_with_animation image_url=”13504″ image_size=”full” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”zoom-crop” alignment=”center” border_radius=”10px” box_shadow=”medium_depth” image_loading=”default” max_width=”100%” max_width_mobile=”default” img_link=”/our-team/sheri-anderson”][vc_column_text] #### Sheri Anderson //  Mortgage Consultant [/vc_column_text][/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” advanced_gradient_angle=”0″ gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/4″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” gradient_type=”default”][image_with_animation image_url=”13492″ image_size=”full” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”zoom-crop” alignment=”center” border_radius=”10px” box_shadow=”medium_depth” image_loading=”default” max_width=”100%” max_width_mobile=”default” img_link=”/our-team/austin-criter”][vc_column_text] #### Austin Criter  //  Closing Assistant [/vc_column_text][/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” advanced_gradient_angle=”0″ gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/4″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” gradient_type=”default”][image_with_animation image_url=”13505″ image_size=”full” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”zoom-crop” alignment=”center” border_radius=”10px” box_shadow=”medium_depth” image_loading=”default” max_width=”100%” max_width_mobile=”default” img_link=”/our-team/toni-weinzierl”][vc_column_text] #### Toni Weinzierl //  Mortgage Assistant [/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=”yes” content_placement=”top” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”center” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all” el_id=”team”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” advanced_gradient_angle=”0″ gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/4″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” gradient_type=”default”][image_with_animation image_url=”13497″ image_size=”full” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”zoom-crop” alignment=”center” border_radius=”10px” box_shadow=”medium_depth” image_loading=”default” max_width=”100%” max_width_mobile=”default” img_link=”/our-team/emily-kastendick”][vc_column_text] #### Emily Kastendick //  Mortgage Assistant [/vc_column_text][/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” advanced_gradient_angle=”0″ gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/4″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” gradient_type=”default”][image_with_animation image_url=”13503″ image_size=”full” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”zoom-crop” alignment=”center” border_radius=”10px” box_shadow=”medium_depth” image_loading=”default” max_width=”100%” max_width_mobile=”default” img_link=”/our-team/nate-peterson”][vc_column_text] #### Nate Peterson //  Mortgage Consultant [/vc_column_text][/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” advanced_gradient_angle=”0″ gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/4″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” gradient_type=”default”][image_with_animation image_url=”13499″ image_size=”full” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”zoom-crop” alignment=”center” border_radius=”10px” box_shadow=”medium_depth” image_loading=”default” max_width=”100%” max_width_mobile=”default” img_link=”/our-team/jake-danielson”][vc_column_text] #### Jake Danielson  //  Mortgage Consultant [/vc_column_text][/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” advanced_gradient_angle=”0″ gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/4″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” gradient_type=”default”][image_with_animation image_url=”13498″ image_size=”full” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”zoom-crop” alignment=”center” border_radius=”10px” box_shadow=”medium_depth” image_loading=”default” max_width=”100%” max_width_mobile=”default” img_link=”/our-team/gerald-schaefer”][vc_column_text] #### Gerald Schaefer //  Mortgage Consultant [/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=”yes” content_placement=”top” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”center” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all” el_id=”team”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” advanced_gradient_angle=”0″ gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/4″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” gradient_type=”default”][image_with_animation image_url=”13502″ image_size=”full” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”zoom-crop” alignment=”center” border_radius=”10px” box_shadow=”medium_depth” image_loading=”default” max_width=”100%” max_width_mobile=”default” img_link=”/our-team/lance-skellenger”][vc_column_text] #### Lance Skellenger  //  Loan Processor [/vc_column_text][/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” advanced_gradient_angle=”0″ gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/4″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” gradient_type=”default”][image_with_animation image_url=”15282″ image_size=”full” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”zoom-crop” alignment=”center” border_radius=”10px” box_shadow=”medium_depth” image_loading=”default” max_width=”100%” max_width_mobile=”default” img_link=”/our-team/annie-randall/”][vc_column_text css=”” text_direction=”default”] #### Annie Randall  //  Administrative Assistant [/vc_column_text][/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” advanced_gradient_angle=”0″ gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/4″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” gradient_type=”default” column_padding_type=”default”][image_with_animation image_url=”15711″ image_size=”full” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”zoom-crop” alignment=”center” border_radius=”10px” box_shadow=”medium_depth” image_loading=”default” max_width=”100%” max_width_mobile=”default” img_link=”/our-team/crystal-obraske/”][vc_column_text css=”” text_direction=”default”] #### Crystal Obraske  //  Mortgage Consultant // Operations Manager [/vc_column_text][/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” advanced_gradient_angle=”0″ gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/4″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” gradient_type=”default”][image_with_animation image_url=”15918″ image_size=”full” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”zoom-crop” alignment=”center” border_radius=”10px” box_shadow=”medium_depth” image_loading=”default” max_width=”100%” max_width_mobile=”default” img_link=”/our-team/dan-eveland/”][vc_column_text css=”” text_direction=”default”] #### Dan Eveland // Mortgage Consultant // Loan Processor [/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner equal_height=”yes” content_placement=”top” disable_element=”yes” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”center” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all” el_id=”team”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” advanced_gradient_angle=”0″ gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/4″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” gradient_type=”default”][image_with_animation image_url=”13502″ image_size=”full” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”zoom-crop” alignment=”center” border_radius=”10px” box_shadow=”medium_depth” image_loading=”default” max_width=”100%” max_width_mobile=”default” img_link=”/our-team/Lance-Skellenger”][vc_column_text] #### Lance Skellenger  //  Loan Processor [/vc_column_text][/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” advanced_gradient_angle=”0″ gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/4″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” gradient_type=”default”][image_with_animation image_url=”15282″ image_size=”full” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”zoom-crop” alignment=”center” border_radius=”10px” box_shadow=”medium_depth” image_loading=”default” max_width=”100%” max_width_mobile=”default” img_link=”https://www.mnmortgage.com/our-team/annie-randall/”][vc_column_text css=”” text_direction=”default”] #### Annie Randall  //  Administrative Assistant [/vc_column_text][/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” advanced_gradient_angle=”0″ gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/4″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” gradient_type=”default”][image_with_animation image_url=”15703″ image_size=”full” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”zoom-crop” alignment=”center” border_radius=”10px” box_shadow=”medium_depth” image_loading=”default” max_width=”100%” max_width_mobile=”default” img_link=”/our-team/andrea-parfievich/”][vc_column_text css=”” text_direction=”default”] #### Andrea Parfievich //  Loan Processor [/vc_column_text][/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” advanced_gradient_angle=”0″ gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/4″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” gradient_type=”default” column_padding_type=”default”][image_with_animation image_url=”15711″ image_size=”full” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”zoom-crop” alignment=”center” border_radius=”10px” box_shadow=”medium_depth” image_loading=”default” max_width=”100%” max_width_mobile=”default” img_link=”/our-team/crystal-obraske/”][vc_column_text css=”” text_direction=”default”] #### Crystal Obraske  //  Loan Processor [/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][nectar_global_section id=”15385″][/vc_column][/vc_row] --- --- title: "Dan Eveland" slug: "dan-eveland" date: "2026-06-11 00:58:43" author: "Krysta" --- [vc_row type=”full_width_background” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” bg_color=”#6b8294″ bg_image=”15050″ bg_position=”center center” background_image_loading=”default” bg_repeat=”no-repeat” full_height=”yes” animated_gradient_bg=”true” animated_gradient_bg_color_1=”#6b8294″ animated_gradient_bg_color_2=”#ffffff” animated_gradient_bg_speed=”850″ animated_gradient_bg_blending_mode=”linear” scene_position=”center” text_color=”light” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” enable_gradient=”true” color_overlay=”#9cb3c3″ color_overlay_2=”rgba(255,255,255,0.01)” advanced_gradient_angle=”0″ overlay_strength=”0.95″ gradient_direction=”left_to_right” enable_shape_divider=”true” shape_divider_position=”bottom” shape_divider_height=”100″ shape_divider_bring_to_front=”true” bg_image_animation=”zoom-out-slow” shape_type=”triangle” gradient_type=”default”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”5px” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_row_inner column_margin=”none” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][nectar_highlighted_text scribble_color=”#444444″ style=”scribble” scribble_shape=”squiggle-underline-2″ scribble_thickness=”thin” scribble_speed=”1.8s” scribble_easing=”ease_in_out” text_direction=”default”] ## Welcome to the Dan Eveland Mortgage Team [/nectar_highlighted_text][/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” 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animation_type=”entrance” animation=”ro-reveal-from-right” animation_easing=”default” animation_movement_type=”transform_y” hover_animation=”none” alignment=”right” border_radius=”none” image_loading=”default” max_width=”125%” max_width_mobile=”default” margin_top=”25%” margin_bottom=”25%” margin_top_tablet=”0px” margin_bottom_tablet=”0px” margin_top_phone=”0px” margin_bottom_phone=”0px”][/vc_column_inner][/vc_row_inner][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” translate_x=”-15%” translate_x_tablet=”0%” translate_x_phone=”0%” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text css_animation=”none” css=”.vc_custom_1781162225978{margin-bottom: 40px !important;}” max_width=”550″ text_direction=”default”] ## Dan Eveland Mortgage Consultant // Loan Processor // NMLS #279274[/vc_column_text][vc_column_text css_animation=”none” css=”.vc_custom_1781159559824{margin-bottom: 40px !important;}” max_width=”550″ text_direction=”default”] **About:**Grew up in Maple Grove and married to wife Megan and have 2 children, William & Ryan. Built a home in Maple Grove in 2007 and have enjoyed seeing our area grow over his lifetime. **Education:**St. John’s University (Collegeville, MN) : Economics & Management **Experience:**20+ years of mortgage industry experience **Other then work, Dan enjoys:** watching his children in their activities, coaching hockey and heading north to the cabin. [/vc_column_text][nectar_btn size=”small” open_new_tab=”true” button_style=”see-through” button_color_2=”Extra-Color-3″ icon_family=”none” text=”dan.e@firstclasscorp.com” url=”mailto:dan.e@firstclasscorp.com” margin_right=”15″][nectar_btn size=”small” open_new_tab=”true” button_style=”see-through” button_color_2=”Extra-Color-3″ icon_family=”none” text=”(763) 260-8376″ url=”tel:(763) 260-8376″][divider line_type=”No Line” custom_height=”5″][nectar_btn size=”small” open_new_tab=”true” button_style=”see-through” button_color_2=”Extra-Color-3″ icon_family=”none” text=”Apply Now” url=”https://www.blink.mortgage/app/signup/p/firstclassMG/bradyday?campaign=BradyDayApplication”][/vc_column_inner][/vc_row_inner][/vc_column][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” 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animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][nectar_global_section id=”9269″][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ 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column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text css=”.vc_custom_1617754833306{margin-top: 60px !important;margin-bottom: 60px !important;}”] ## Recent Posts [/vc_column_text][recent_posts style=”slider_multiple_visible” columns=”3″ button_color=”Accent-Color” hover_shadow_type=”default” category=”all” order=”DESC” orderby=”date” image_loading=”default” posts_per_page=”6″][nectar_cta btn_style=”arrow-animation” heading_tag=”h4″ button_color=”default” text_color=”#9cb3c3″ button_border_thickness=”0px” link_type=”regular” alignment=”center” alignment_tablet=”default” alignment_phone=”default” display=”block” display_tablet=”inherit” display_phone=”inherit” link_text=”View All Posts” url=”/blog”][/vc_column][/vc_row] --- --- title: "Brady Day" slug: "brady-day" date: "2020-01-01 13:17:54" author: "LoanSites" --- [vc_row type=”full_width_background” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” bg_color=”#6b8294″ bg_image=”13681″ bg_position=”center top” background_image_loading=”default” bg_repeat=”no-repeat” full_height=”yes” animated_gradient_bg=”true” animated_gradient_bg_color_1=”#6b8294″ animated_gradient_bg_color_2=”#ffffff” animated_gradient_bg_speed=”850″ animated_gradient_bg_blending_mode=”linear” scene_position=”center” 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gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_row_inner column_margin=”none” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][nectar_highlighted_text scribble_color=”#444444″ style=”scribble” scribble_shape=”squiggle-underline-2″ scribble_thickness=”thin” scribble_speed=”1.8s” scribble_easing=”ease_in_out”] ## Welcome to the Brady Day Mortgage Team [/nectar_highlighted_text][/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” 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column_border_style=”solid” delay=”100″][vc_column_text css_animation=”fadeInUp” css=”.vc_custom_1696401944449{margin-top: 15px !important;}” max_width=”500″]Brady Day, a native of Aberdeen, SD, relocated to Maple Grove, MN in 2002. In 2004, he wed Kim and together they have three children: sons Jackson and Hudson, and daughter Emerson. In 2006, Brady and his business partner, Casey Van Winkle, established the Maple Grove office of First Class Mortgage. Having been a loan originator since 2001, Brady is passionate about assisting home buyers in achieving the significant financial milestone of affordable homeownership. Additionally, he takes pride in helping current homeowners refinance their mortgages to enhance their overall financial well-being. Beyond his professional life, Brady enjoys cheering on his kids playing sports, pheasant hunting in South Dakota, golf, and quality time with family/ friends up at the lake.[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all” class=”desktop-hidden”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” 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button_color=”Accent-Color” hover_shadow_type=”default” category=”all” order=”DESC” orderby=”date” image_loading=”default” posts_per_page=”6″][nectar_cta btn_style=”arrow-animation” heading_tag=”h4″ button_color=”default” text_color=”#9cb3c3″ button_border_thickness=”0px” link_type=”regular” alignment=”center” alignment_tablet=”default” alignment_phone=”default” display=”block” display_tablet=”inherit” display_phone=”inherit” link_text=”View All Posts” url=”/blog”][/vc_column][/vc_row] --- --- title: "How Do Bonuses, Overtime, and Commission Income Affect Mortgage Qualification?" slug: "how-do-bonuses-overtime-and-commission-income-affect-mortgage-qualification" date: "2026-08-23 18:35:32" author: "First Class Mortgage" --- ![How Do Bonuses, Overtime, and Commission Income Affect Mortgage Qualification?](https://mnmortgage.com/wp-content/uploads/2026/08/CW5A0036-scaled.jpg) Many Minnesota homebuyers earn more than a standard base salary. Bonuses, overtime, commissions, tips, and other forms of variable income can make up a significant portion of a household’s earnings. But when you apply for a mortgage, lenders do not necessarily treat every dollar of income the same way. If you regularly receive bonuses or work overtime, you may wonder whether that additional income can help you qualify for a larger mortgage. If you earn commissions, you may also wonder how a lender determines how much of that income can be counted. Understanding how variable income is evaluated can help you prepare for the mortgage process and set more realistic expectations about your homebuying budget. ## What Counts as Variable Income for a Mortgage? Variable income is money you receive in addition to a fixed base salary or regular hourly wages. Common examples include: - Bonuses - Overtime pay - Commission income - Tips - Shift differentials - Performance incentives - Production bonuses - Seasonal income The key difference is that variable income can change from one pay period or year to another. Because of that variability, mortgage lenders generally need documentation showing that the income is received consistently and is likely to continue. ## Can Bonus Income Be Used to Qualify for a Mortgage? Yes, bonus income may be considered when qualifying for a mortgage, provided it meets applicable underwriting requirements. However, lenders generally want to see a history of receiving the income rather than simply assuming that a future bonus will be paid. The lender may review documents such as: - Recent pay stubs - W-2 forms - Tax returns when applicable - Employment verification - Year-to-date earnings - Employer documentation The goal is to determine whether the bonus income is consistent enough to reasonably include in the borrower’s qualifying income. For example, a borrower who has received regular annual bonuses for several years may have a stronger case than someone who received a one-time bonus shortly before applying for a mortgage. ## How Do Lenders Calculate Bonus Income? Bonus income is generally evaluated based on the borrower’s documented history and the applicable loan program’s guidelines. A lender may look at bonus earnings over a period of time and determine an appropriate qualifying amount based on the pattern. For example, imagine a borrower has received: - Year 1 bonus: $8,000 - Year 2 bonus: $10,000 - Year 3 bonus: $12,000 The lender may analyze the history and determine whether the income demonstrates sufficient consistency and continuance to be included. The exact calculation can vary depending on the loan program and the borrower’s circumstances. That is why it is important not to assume that your full annual bonus will automatically be added to your qualifying income. ## Can Overtime Income Be Used for Mortgage Qualification? Overtime income can also potentially be used to qualify for a mortgage. This can be particularly important for borrowers whose regular earnings are significantly increased by overtime hours. However, lenders generally need evidence that the overtime is not simply a temporary occurrence. A borrower who consistently works overtime over an established period may have a stronger qualifying profile than someone who recently started working additional hours. Documentation can include: - Pay stubs - W-2 forms - Employment verification - Year-to-date income - Other income documentation requested by the lender The lender may evaluate the borrower’s history to determine whether the overtime income is stable enough to reasonably continue. ## What Happens If Your Overtime Income Changes? Overtime can fluctuate depending on your employer, industry, schedule, and workload. For example, a healthcare worker may regularly work additional shifts, while a manufacturing employee may receive overtime based on production demand. If your overtime earnings have been increasing, decreasing, or changing significantly, the lender may need to examine the pattern more closely. This does not automatically mean you cannot qualify. It simply means the lender needs to determine what portion of the income can reasonably be relied upon for mortgage qualification. ## Can Commission Income Be Used to Qualify for a Mortgage? Commission income can potentially be used for mortgage qualification as well. This is especially important for borrowers working in industries such as: - Real estate - Insurance - Sales - Financial services - Automotive sales - Recruiting - Technology - Other commission-based professions Commission-based borrowers may have more complicated income profiles because earnings can vary significantly from month to month or year to year. Lenders may therefore require additional documentation to establish a reliable income history. ## How Do Lenders Evaluate Commission Income? [![](https://mnmortgage.com/wp-content/uploads/2026/08/CW5A0094-2-200x300.jpg)](https://mnmortgage.com/wp-content/uploads/2026/08/CW5A0094-2-scaled.jpg) The lender may examine the borrower’s historical commission earnings and determine whether the income demonstrates sufficient stability and continuity. Documents can include: - Recent pay stubs - W-2 forms - Tax returns - Year-to-date earnings - Employment verification - Other income documentation The lender may also consider whether the borrower’s commission structure has changed. For example, a borrower who has earned consistent commissions for several years may have a different qualifying income profile from someone who recently changed positions and moved from a salaried role to a commission-based position. ## Why Income History Matters Mortgage lenders need to determine whether the income used to qualify for the loan is dependable. That is why a strong income history can be valuable during underwriting. A borrower may have a high income during one particular year, but the lender generally needs to understand whether that income represents a sustainable pattern. This is especially important when variable income makes up a large portion of total earnings. The more clearly your documentation demonstrates your income history, the easier it may be for the lender to evaluate your financial profile. ## What Documents May Be Needed for Variable Income? If you receive bonuses, overtime, or commission income, be prepared to provide documentation that supports your earnings. Depending on your situation and loan program, this may include: - Recent pay stubs - W-2 forms - Federal tax returns - Year-to-date income information - Employment verification - Commission statements - Bonus documentation - Other supporting financial records Your lender may request additional documents if your income pattern requires further clarification. Preparing these documents early can help reduce delays during the mortgage process. ## What If You Recently Changed Jobs? Changing jobs does not automatically prevent you from qualifying for a mortgage. However, the impact can depend on the type of employment change and how your income is structured. For example, moving from one salaried position to another may be evaluated differently from moving from a salaried position into a commission-based role. If your compensation structure recently changed, your lender may need additional information to determine how the new income should be treated. This is one reason it can be helpful to discuss employment changes with your mortgage professional before making major financial decisions during the loan process. ## Should You Count Your Expected Bonus When Setting Your Home Budget? It is usually better to be conservative when planning your homebuying budget. If your annual bonus is not guaranteed, do not assume that you can use the entire amount to support a higher monthly mortgage payment. Your mortgage qualification and your personal comfort level are also two different things. Even if a lender determines that some variable income can be included in your qualifying income, you should still consider whether the resulting payment fits comfortably within your overall financial plan. Think about: - Emergency savings - Property taxes - Homeowners insurance - Maintenance - Utilities - HOA fees - Other monthly debts - Future financial goals A mortgage should fit your broader budget, not just the maximum amount a lender may approve. ## Can Variable Income Help You Qualify for a Larger Mortgage? Potentially, yes. If bonuses, overtime, or commissions are eligible to be included in your qualifying income, they can increase the income used in the mortgage qualification calculation. Higher qualifying income can potentially improve your borrowing capacity. However, the amount that can be counted depends on the type of income, its history, its consistency, and the guidelines associated with the mortgage program. That means two borrowers with the same annual income may not necessarily have the same qualifying income if their compensation structures are different. ## What If Your Variable Income Has Recently Increased? A recent increase in bonus, overtime, or commission income does not necessarily mean the entire increase can immediately be used for qualification. The lender needs to evaluate the income history and determine whether the increase appears sustainable. For example, if you recently began working significantly more overtime, your lender may need to review your previous earnings and current year-to-date income before determining how much can be counted. This is another reason to provide complete and accurate documentation rather than estimating your qualifying income yourself. ## Avoid Changing Your Income Structure During the Mortgage Process Once you are going through the mortgage process, it is important to communicate significant employment or income changes to your lender. Changes such as: - Switching employers - Moving from salary to commission - Changing from full-time to part-time - Reducing your hours - Changing your compensation structure could affect how your income is evaluated. Your lender should know about significant changes so they can determine whether additional documentation or underwriting review is necessary. ## How Variable Income Fits Into the Overall Mortgage Qualification Process Income is only one part of the mortgage qualification process. Lenders may also evaluate: - Credit history - Debt-to-income ratio - Assets - Employment history - Down payment - Property value - Loan type - Other financial obligations This means strong bonus or commission income does not necessarily guarantee mortgage approval. Instead, lenders consider the overall financial picture when determining whether a borrower meets the requirements for a particular loan program. ## How Minnesota Homebuyers Can Prepare If you earn variable income and plan to buy a home in Minnesota, preparation can make the mortgage process smoother. Start by organizing your financial documents and keeping records of your income. You can also: - Review your credit before applying - Avoid taking on unnecessary new debt - Maintain stable employment when possible - Keep bank statements organized - Save documentation for bonuses and commissions - Ask your lender how your income may be treated - Establish a realistic homebuying budget The earlier you understand how your income may be evaluated, the easier it can be to plan your next steps. ## Talk With a Mortgage Professional Before Assuming Your Income Does or Does Not Qualify Every borrower’s financial situation is different. Someone with a salaried position and occasional bonuses may be evaluated differently from someone whose income is primarily commission-based. An employee with consistent overtime may also have a different situation from someone who recently started working additional hours. Rather than assuming that variable income will automatically be excluded or fully counted, talk with a mortgage professional who can review your specific circumstances and explain what documentation may be required. First Class Mortgage can help Minnesota borrowers understand their financing options and work through the documentation and qualification process. ## Conclusion Bonuses, overtime, and commission income can be important parts of a borrower’s overall earnings, but lenders generally need to evaluate these income sources carefully before using them for mortgage qualification. A consistent history, appropriate documentation, and evidence that the income can reasonably continue can all play a role in how variable income is treated. If you earn variable income and are planning to buy a home in Minnesota, do not assume that your mortgage qualification will be based only on your base salary. At the same time, avoid assuming that every dollar of bonus, overtime, or commission income will automatically count. The best approach is to review your complete financial picture with a mortgage professional, understand what income can be considered, and build your homebuying budget around a payment you can comfortably manage.