# First Class Mortgage > First Class Mortgage - Maple Grove ## About - [Rate Sheet](https://mnmortgage.com/rate-sheet/): [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"… - [Every Meal](https://mnmortgage.com/every-meal/): [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="15208" 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"… - [Turkey Giveaway Registration Form](https://mnmortgage.com/turkey-giveaway-registration-form/): Register for the 2026 First Class Mortgage turkey giveaway in Maple Grove. Join our community event and get expert home financing updates. - [Fall Festival Registration](https://mnmortgage.com/fall-festival-registration/): Register for the First Class Mortgage 2026 Fall Festival in Maple Grove. Join us for community fun and stay updated on home financing news. Sign up today. - [Events & Sponsorships](https://mnmortgage.com/events/): [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"… - [Financing With Purpose](https://mnmortgage.com/financing-with-purpose/): [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"… - [Our Team](https://mnmortgage.com/our-team/): [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"… - [Dan Eveland](https://mnmortgage.com/our-team/dan-eveland/): [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"… - [Brady Day](https://mnmortgage.com/our-team/brady-day/): Meet Brady Day, your First Class Mortgage expert. Get personalized mortgage solutions in Minnesota. Apply now! - [Crystal Obraske](https://mnmortgage.com/our-team/crystal-obraske/): [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"… - [What's your home worth?](https://mnmortgage.com/tools/whats-your-home-worth/): [vc_row type="in_container" 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" constrain_group_1="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"… - [Loan Programs](https://mnmortgage.com/loan-programs/): [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="16058" 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" id="home"… - [CROSS - Peace of Mind Housing Fund](https://mnmortgage.com/peace-of-mind-housing-fund/): [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"… - [Annie Randall](https://mnmortgage.com/our-team/annie-randall/): [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="13479" 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"… - [Reviews](https://mnmortgage.com/reviews/): [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="16090" bg_position="left top" 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"… - [Refinance Your Mortgage Home Loan](https://mnmortgage.com/refinance/): Refinance your home with First Class Mortgage in 2025! We help lower rates, adjust terms, and offer cash-out refi and HELOC options. Apply today and save! - [First Class Mortgage - Maple Grove](https://mnmortgage.com/): First Class Mortgage: Your Maple Grove mortgage experts. Buy or refinance your home with our top MN loan officers today! - [Mortgage Calculators](https://mnmortgage.com/mortgage-calculator/): [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"… - [You're PreApproved... Now What?](https://mnmortgage.com/youre-preapproved-now-what/): [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="13601" bg_position="center center" background_image_loading="default" bg_repeat="no-repeat" scene_position="center" top_padding="12%" bottom_padding="7%" text_color="light" text_align="left" row_border_radius="none" row_border_radius_applies="bg" overflow="visible"… ## Blog - [How Gift Funds Work When Buying a Home in Minnesota](https://mnmortgage.com/how-gift-funds-work-when-buying-a-home-in-minnesota/): Deciding between FHA and conventional mortgages? This guide underscores key differences, helping you make the best choice for your financial future. - [What Is a Mortgage Rate Float Down and Can It Help Minnesota Homebuyers?](https://mnmortgage.com/what-is-a-mortgage-rate-float-down-and-can-it-help-minnesota-homebuyers/): Deciding between FHA and conventional mortgages? This guide underscores key differences, helping you make the best choice for your financial future. - [How Do HOA Fees Affect Mortgage Qualification and Affordability in Minnesota?](https://mnmortgage.com/how-do-hoa-fees-affect-mortgage-qualification-and-affordability-in-minnesota/): Deciding between FHA and conventional mortgages? This guide underscores key differences, helping you make the best choice for your financial future. - [Buying a Duplex in Minnesota: What Homebuyers Should Know Before Getting Started](https://mnmortgage.com/buying-a-duplex-in-minnesota-what-homebuyers-should-know-before-getting-started/): Deciding between FHA and conventional mortgages? This guide underscores key differences, helping you make the best choice for your financial future. - [Buying a New Home Before Selling Your Current Home: What Minnesota Homeowners Should Know](https://mnmortgage.com/buying-a-new-home-before-selling-your-current-home-what-minnesota-homeowners-should-know/): Deciding between FHA and conventional mortgages? This guide underscores key differences, helping you make the best choice for your financial future. - [How Do Bonuses, Overtime, and Commission Income Affect Mortgage Qualification?](https://mnmortgage.com/how-do-bonuses-overtime-and-commission-income-affect-mortgage-qualification/): Deciding between FHA and conventional mortgages? This guide underscores key differences, helping you make the best choice for your financial future. - [What Are Mortgage Reserves and When Might You Need Them?](https://mnmortgage.com/what-are-mortgage-reserves-and-when-might-you-need-them/): Deciding between FHA and conventional mortgages? This guide underscores key differences, helping you make the best choice for your financial future. - [Should You Pay Mortgage Points to Get a Lower Interest Rate?](https://mnmortgage.com/should-you-pay-mortgage-points-to-get-a-lower-interest-rate/): Should you pay mortgage points to lower your interest rate? Learn how to calculate your break-even period and determine if upfront costs save you money. - [Can You Pay Off a Mortgage Early Without a Penalty?](https://mnmortgage.com/can-you-pay-off-a-mortgage-early-without-a-penalty/): Deciding between FHA and conventional mortgages? This guide underscores key differences, helping you make the best choice for your financial future. - [What Is Loan-to-Value Ratio (LTV) and Why Does It Matter for Minnesota Homebuyers?](https://mnmortgage.com/what-is-loan-to-value-ratio-ltv-and-why-does-it-matter-for-minnesota-homebuyers/): Learn how the Loan-to-Value (LTV) ratio impacts your mortgage eligibility, interest rates, and insurance requirements. Explore our guide to 2026 home financing. - [Buying a Fixer-Upper in Minnesota: How Renovation Loans Can Help](https://mnmortgage.com/buying-a-fixer-upper-in-minnesota-how-renovation-loans-can-help/): Buying a fixer-upper in Minnesota? Learn how renovation loans combine purchase and improvement costs. Discover your financing options with First Class Mortgage - [Buying a Home After Divorce in Minnesota: What You Need to Know](https://mnmortgage.com/buying-a-home-after-divorce-in-minnesota-what-you-need-to-know/): Navigating a home purchase after divorce in Minnesota? Learn how to manage credit, income, and debt to qualify for a mortgage. Discover your options today. - [Can a Promotion or Salary Increase Help You Qualify for a Bigger Mortgage?](https://mnmortgage.com/can-a-promotion-or-salary-increase-help-you-qualify-for-a-bigger-mortgage/): Discover how a salary increase or promotion affects your mortgage eligibility. Learn how lenders evaluate income and debt to help you qualify. Read more. - [HELOC vs. Cash-Out Refinance: Which Option Is Right for Minnesota Homeowners?](https://mnmortgage.com/heloc-vs-cash-out-refinance-which-option-is-right-for-minnesota-homeowners/): Comparing a HELOC vs. cash-out refinance in 2026? Learn the key differences, pros, and cons to choose the right equity strategy. Contact First Class Mortgage. - [How Do You Build Equity in Your Home? A Guide for Minnesota Homeowners](https://mnmortgage.com/how-do-you-build-equity-in-your-home-a-guide-for-minnesota-homeowners/): Learn how to build home equity through mortgage payments, appreciation, and improvements. Discover how to leverage your property assets. Read our guide today. - [Buying a Condo in Minnesota: What Homebuyers Need to Know](https://mnmortgage.com/buying-a-condo-in-minnesota-what-homebuyers-need-to-know/): Buying a condo in Minnesota? Learn about HOA fees, financing, and community rules. First Class Mortgage guides you through condo ownership. - [Buying a Home After Foreclosure in Minnesota: When Can You Qualify for a Mortgage?](https://mnmortgage.com/buying-a-home-after-foreclosure-in-minnesota-when-can-you-qualify-for-a-mortgage/): Buying a home after foreclosure in MN? Learn waiting periods, credit rebuilding, and steps to qualify for a mortgage. Reclaim homeownership. - [Q3 Mortgage Minute 2026](https://mnmortgage.com/q3-mortgage-minute-2026/): Q3 Mortgage Rate Trends 2026: Understand inflation and global events impacting rates. Contact First Class Mortgage for personalized financing advice. - [What Is Earnest Money When Buying a Home in Minnesota?](https://mnmortgage.com/what-is-earnest-money-when-buying-a-home-in-minnesota/): What is earnest money in Minnesota? Understand this good-faith deposit, its purpose, and how it protects buyers and sellers. Learn what happens to your deposit. - [What Is Debt-to-Income Ratio (DTI) and Why Does It Matter for a Mortgage?](https://mnmortgage.com/what-is-debt-to-income-ratio-dti-and-why-does-it-matter-for-a-mortgage/): Learn your mortgage DTI: understand how lenders use debt-to-income ratio and improve yours for a stronger home loan application. - [MN First Time Homebuyer Guide: Buying a Home in Minnesota](https://mnmortgage.com/mn-first-time-homebuyer/): [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" gradient_type="default" shape_type=""][vc_column column_padding="padding-5-percent"… - [Top First Time Homebuyer Mistakes That Lead to Hidden Costs](https://mnmortgage.com/first-time-homebuyer-mistakes/): Avoid homebuyer mistakes! First Class Mortgage helps Minnesota first-timers. Learn to sidestep hidden costs and make smart choices. - [Mistakes to Avoid with Down Payment Assistance MN Programs](https://mnmortgage.com/down-payment-assistance-mn/): Down payment assistance in MN: First Class Mortgage guides you through programs, avoiding common homebuyer mistakes. Find affordable options in 2025. - [How Much to Save for First Home: Tips for Setting Savings Goals](https://mnmortgage.com/how-much-to-save-for-first-home/): [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" gradient_type="default" shape_type=""][vc_column column_padding="padding-5-percent"… - [First Time Homebuyer Credit Score Basics](https://mnmortgage.com/first-time-homebuyer-credit-score/): [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" gradient_type="default" shape_type=""][vc_column column_padding="padding-5-percent"… - [First-Time Homebuyers in Minnesota](https://mnmortgage.com/first-time-homebuyers-in-minnesota/): [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" gradient_type="default" shape_type=""][vc_column column_padding="padding-5-percent"… ## Salient_g_sections - [Sponsorships](https://mnmortgage.com/?salient_g_sections=sponsorships): [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"… - [Featured Review](https://mnmortgage.com/?salient_g_sections=featured-review): [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"… - [Call To Action](https://mnmortgage.com/?salient_g_sections=call-to-action): [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="2%" text_color="dark" text_align="left" row_border_radius="15px" 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… - [Rent vs Buy Mortgage Calculator](https://mnmortgage.com/?salient_g_sections=rent-vs-buy-mortgage-calculator): [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="8%" text_color="dark" text_align="left" row_border_radius="none" row_border_radius_applies="bg" overflow="visible" id="calculator" overlay_strength="0.3" gradient_direction="left_to_right" shape_divider_position="bottom" bg_image_animation="none" gradient_type="default"… - [Tools](https://mnmortgage.com/?salient_g_sections=tools): [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="#ffffff" scene_position="center" top_padding="10%" text_color="dark" text_align="left" row_border_radius="none" row_border_radius_applies="bg" overflow="visible" advanced_gradient_angle="0" overlay_strength="0.3" gradient_direction="left_to_right" shape_divider_position="bottom" bg_image_animation="none"… ## Optional - [llms-full.txt](https://mnmortgage.com/llms-full.txt): Extended version with full content