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Minnesota Home Loans & Mortgage Services

As Minnesota’s trusted local mortgage partner, we make it easy to secure financing and streamline the buying process for a convenient experience. 

FINANCE SMARTER

Mortgage Options for Every Minnesota Homebuyer

TopLine offers a comprehensive range of mortgage options tailored to meet the unique needs of every consumer, including flexible loan options for every borrower. In addition to the conventional 20% down payment mortgage, our options include:

FHA loans

These loans are insured by the Federal Housing Administration and are designed to help individuals with lower credit scores or those who cannot make a 20% down payment. FHA loans only require a 3.5% down payment.

VA loans

These government-backed mortgages are offered to U.S. veterans and eligible family members. VA loans have favorable terms, including no down payments, no private mortgage insurance and limited closing costs.

USDA/Rural Development loans

These government-backed mortgages are designed for low-to moderate-income buyers in eligible rural areas.

Jumbo loans

These mortgages are designed for high-cost properties that exceed the limits set by Fannie Mae and Freddie Mac. Qualified applicants must have high credit scores, low debt-to-income ratios and larger down payments.

We can also assist consumers in refinancing their mortgages to lower rates or better terms, including strategies to reduce your interest rate or overall annual percentage rate where applicable.

Smiling caucasian couple in garden showing keys to camera. self isolation in new home during covid 19 coronavirus pandemic.

First-Time Homebuyer Programs in Minnesota

First-time homebuyer in Minnesota? No problem! TopLine has you covered.

At TopLine, we’re compatible with Minnesota Housing Finance Agency programs, including Start Up and Step Up, and also offer down payment assistance options for qualified buyers. Additionally, we offer value-added services, including new homebuyer education and other resources. Contact a TopLine mortgage representative to learn more today.

PROGRAMS & PROTECTION

Why Choose TopLine for Your Minnesota Mortgage

Whether you’re a new home buyer or looking for your next home, there are several reasons to choose TopLine as your mortgage lender.

We offer competitive rates and lower closing costs

Compared to conventional banks and financial institutions, we help determine the right fit for your purchase.

  • All mortgage loans are serviced locally, so you can expect to work with experts who know Minnesota and the Twin Cities area.
  • We're not a big national lending firm, which means we can offer personalized guidance from our dedicated mortgage advisors to ensure you're placed in a program that meets your unique needs rather than a one size fits all approach at the national level.
  • Our credit union is a member-owned and community-focused organization. We're a non-profit organization, which translates to better financial terms and lower fees for all loans.
SERVING MINNESOTA

Serving Homebuyers Across the Twin Cities Metro

One of the biggest advantages of working with TopLine is our knowledge of the Twin Cities area. We have deep community roots, which allows us to offer better overall service thanks to our familiarity with local real estate markets and each neighborhood’s specific financial needs. While we offer a robust online portal for consumers to fulfill most of their banking needs, we also have convenient locations throughout our entire service area for in-person banking and consultations with a homeownership advisor or mortgage loan officer.

TOP COMMUNITIES SERVED

MinneapolisSt. PaulMaple GrovePlymouthChamplinEdinaCoon RapidsBloomingtonBlaineElk River
AUTO LOAN OPTIONS

Meet Your TopLine Mortgage Advisors

Do you have questions about home loans in Minnesota? Our experts are standing by and ready to assist you. With local expertise and experience in Minnesota home mortgages, we’ll work with you to get you prequalified and take you step-by-step throughout the mortgage process. The combination of personalized service and local expertise is a winning partnership that benefits our members.

Meet our mortgage advisors below and contact Jeremy, Clayton or Taylor for more information and to get started with your next home loan.

Jeremy Meyer

Jeremy Meyer

Director of First Mortgage

Clayton Johnson

Clayton Johnson

Senior Mortgage Consultant

Taylor Tollette

Taylor Tollette

Senior Mortgage Consultant

Frequently Asked Questions

Get Pre-Approved

Ready to Get Started?

Ready to get started on your next home loan? Before you contact one of our mortgage advisors, we suggest checking current interest rates and using a mortgage calculator to estimate how much home you can afford. From there, we’re happy to help you get pre-approved and then walk you through the streamlined application process.