Hennepin County 7-Day Single-Family Market Report: What 810 Moves in One Week Mean for Buyers and SellersIf you've been monitoring the Twin Cities real estate market, you might have heard that
The typical financial institution or bank is restricted to offering only the programs within their portfolio – limiting your options. We are much different. We work with you and for you to locate the best possible loan that fits your needs and goals. Our trained and licensed professionals provide FREE consultations to anyone looking to purchase or refinance real estate.
We learned a long time ago that there is so much more to the mortgage business than crunching numbers and calculating interest rates. It’s about helping people realize their dreams with homeownership goals.
Each of our licensed local professionals are committed to providing you with continuous communication, fast approvals and excellent customer satisfaction from initial application to final closing and beyond!
I am very passionate about helping people. I enjoy the challenge of making the numbers work while making sure to protect my customers and by offering real life scenarios and questions to consider. Purchasing a home is a big financial decision and I want the customers I help to be as prepared as they can be when making those decisions. With my knowledge of my products and programs I can better understand my customer’s needs, offer them different options, and give them the tools to make the best choice that is right for them.
I am not always able to tell customers they are approved when they apply. I take it another step further and provide suggestions how they can make changes to become eligible in the future so they can be better prepared to purchase a home when the time is right for them.
Hello, I'm Robert Jay, and I have been in the mortgage industry for 19 years (Started my career back in July of 2004). I am one of the few licensed senior mortgage advisor’s in the country that has actually been an underwriter.
My nickname is “Mr. Invincible” because I know the best program, how we need to structure things, and what we'll need from you to make it a smooth process.
I specialize in VA, FHA, USDA, and Conventional mortgage products like most lenders do, but I stepped it up a notch by simultaneously specializing in “Hard Money” loans for investors, and self-employed clients (No tax returns, and no income docs, and closings in as little as 13 days).
Aside from those options, I also specialize in Commercial loans, and my interest rates are very competitive (5’s and 6’s).
I truly enjoy connecting with my clients, and helping them learn all about the home process, and which options are available. Purchasing a home is one of the most important financial decisions in a persons lifetime, and I treat each client like they are family. I can also do cash out refi's as well.
When I have time outside of the office, I enjoy anything outdoors, especially going to the beach, or to the mountains, surfing, sailing, sky diving, bowling, and poker tournaments. I recently finished in 27th place in the Best Bet $100,000 guaranteed poker tournament out of 950.
The old adage is “You don’t know what you don’t know” and if you choose to work with me, you’ll learn a lot, I guarantee it!
Thank you very much for reading about me, and I look forward to being a valuable resource for you.
Making homebuying dreams a reality is my passion! With over 28 years of experience in the mortgage industry, I’ve helped thousands of clients with all types of purchases. Whether you’re buying your first home, next home, an investment property, or vacation destination, I’m ready to put my experience to work for you.
As a mortgage professional, I’ve built my reputation on providing outstanding service to my clients. You can count on me to always be by your side to answer questions, keep you informed on your loan, and personalize your home financing experience. Together, we’ll walk through the steps of your home loan journey.
Tailoring your mortgage to suit your financial goals is key to success. From conventional and jumbo to FHA and VA, I offer a variety of loan programs to get the job done. We’ll discuss the specifics and develop a plan just right for you. I can’t wait to get started.
I have had the pleasure of being a mortgage loan originator for over 10 years. I enjoy interacting with my clients and helping them learn all about the home loan process. While it can be a lot of information to absorb, I do my very best to break it down into bite-sized pieces. This way you can feel comfortable as you are able to make informed decisions along the way. I work with all types of buyers, but I pride myself on working with first-time home buyers as I really enjoy helping them understand everything. There are a lot of moving pieces, but with the right team, it can make it a much more pleasurable experience. I look forward to working with you.
2022 MMA Mortgage Broker of the Year
Conventional, FHA, VA, USDA, DPA Programs, Grant programs,
Licensed in MN and Wisconsin
Steve is a grizzled "mortgage veteran" with a strong background in the MN and Western WI markets since 2001. He’s been a loan officer, processed his own loans, managed 3 branches of a large multi-state team and taken over ownership of mortgage companies.
Few loan officers can bring as broad of a perspective to a transaction as Steve can. Outside of a little golf in the summer and some billiards in the winter… he pours his time, energy and passion into his career and family.
Steve believes the passion in those things are the very heart of what it takes to be successful in Business AND in Life.
I have 25 years of experience in mortgage industry. I will do my best to keep things simple and educate you as we move through the mortgage process. In the end, I want you to know you are getting the best service and loan program that fits your specific needs. I am a Minnesota native, growing up in Rosemount and currently residing in Apple Valley. I enjoy spending time with my wife, Sarah of 15 years and our 2 children, Cameron, 14 and Lydia, 11. I also enjoy golfing, bowling and kickboxing. I was named a Mpls/StPaul Magazine Super Mortgage Professional the last 10 years - 2016-2025. If you are in the market for a new home and need a home loan or want to discuss refinancing your current mortgage, I would appreciate the opportunity to help you.
I’ve been in the mortgage industry for over 25 years, but my path here was anything but traditional. I started my career as a professional wrestler in Dallas before moving into radio as a nationally syndicated talk show host covering sports and pop culture. It was during my time hosting a mortgage radio segment that I was offered an opportunity to enter the mortgage business—and I took the leap.
Today, I serve as both a Loan Officer and Loan Counselor, with a passion for helping people navigate one of the biggest financial decisions of their lives. Whether you’re buying your first home, refinancing to lower your monthly payment, or looking to tap into your home equity, my goal is simple: make the mortgage process as smooth, honest, and rewarding as possible.
I’m proud to be part of Success Lending, in partnership with eXp Realty, which allows me to serve clients across more than 30 states.
I’m based in Lewisville, Texas, and when I’m not helping clients, you’ll probably find me doing something that keeps life interesting. I take my custom Star Wars-themed Dodge Chargers to local car shows and use them to support charitable causes. I also volunteer as a mobile DJ, a graphic artist, follow just about every sport imaginable, and consider myself a BBQ enthusiast who is still very much in training!
And yes, I’m a serious Star Wars collector.
Most importantly, I’m a family man. My wife and I have three amazing kids. One is a Doctor, another is a Percussion Director, and the third is a volleyball coach! We also share our home with four lovable rescue pups: Kona, Kahlua, Athena, and Zeus
At the end of the day, I love what I do because I get to help people accomplish something meaningful. If you’re looking to purchase a home, refinance, or explore your financing options, I’d be honored to be your mortgage resource and help you every step of the way.
I am currently licensed in the following states: AL, AZ, AR, CA, CO, CT, FL, GA, IL, IN, IA, KS, KY, MD, MI, MN, NH, NJ, NM, NC, OH, OK, OR, PA, RI, SD, TN, TX, VA, and WA
I have over 24 years of experience in the mortgage industry. I have experience in loan origination, processing, and management. I have extensive background in FHA, VA, USDA and our Jumbo Loan Products. As a loan originator for many years, I personally assist each and every borrower through every aspect of their application through post-closing questions.
Understanding the mortgage process can be confusing and stressful. Be assured I will work with you as a team! Whether you are a First Time Homebuyer or a homebuyer that is buying their next home, I will work with you hand in hand every step of the way.
The biggest complaint of borrowers and realtors alike is that their mortgage professional does not answer their emails, text messages or phone calls. I pride myself in the customer service that I provide and will answer your questions within hours and not days! That simple belief has not changed in 24 years of doing business.
I grew up in Michigan and take pride that I am a home-grown Detroiter! I attended Western Michigan University and opened my own Mortgage Branch in 1996. Business brought me to Indianapolis, and I have continued my career here.
In Indianapolis, I am active with a few Non-Profit Organizations that strive to educate and assist families to grow and become a vital part of the community. Assisting those people has been the most gratifying thing I have ever experienced. I feel that giving back to the community is as important as being a part of the community.
Ready to embark on your mortgage journey? https://apply.successlending.com/successlending/apply/welcome?nmlsid=1642727
Any questions, please feel free to contact me directly/Text message to 608-512-7547 or Email to Martha.Sprow@successlending.com
Martha Sprow NMLS 1642727
Licensed in Indiana, Tennessee and Minnesota
Referrals to any other states are welcomed!
As a dedicated Mortgage Loan Officer, my professional goal is to provide specialized services and top level customer service to each and every one of my clients. Whether you’re looking to buy your first home or invest in a property, I work closely with clients to help them understand their options and guide them toward finding a loan that meets their needs.
Hello, my name is Matt Lake and I live in Canton, GA, which is about 45 minutes north of Atlanta. I started in the mortgage business in 2000 and have closed thousands of loans over the last 2 decades. My experience and expertise allow me to simplify a complex process, explain guidelines thoroughly and structure to close all types of mortgages. One of my goals with every client is to guide them through the process as easily and stress-free as possible. I know the importance of finding a dream home and I believe that a home is one of the foundation blocks for a family. Buying or refinancing a home is an important step for a person or family and I love that I can be a small part to make that a reality.
My family, which includes my wife of 20 years and two teenage boys, loves to camp and explore the country in our RV. I am a Head Coach for the local Georgia Cycling Mountain Bike Team and have coached numerous other youth sports over the years. I am a coffee fanatic and enjoy volunteering in my local community as a motivational speaker. I have had the privilege of being featured at student retreats, fundraisers, FCA gatherings, school functions, and numerous other events.
Dynamic and collaborative professional proficient in sales management and operations, market and product development, customer and CRM development and strategic planning and processing. Proven relationship builder with over twenty years of results driven expertise in account management and client relations. Clear communicator and practiced multi-tasker with excellent problem solving and negotiating abilities.
I am a 2021 Top Producer with MN Housing down payment assistance programs; for repeat & first-time homebuyers. I have more than 20 years of experience in the lending industry and experience matters! I also specialize in working with self-employed borrowers who want to do loans that don't require tax returns. New home purchases, refinancing, VA loans, contract-for-deeds, and diverse mortgage solutions for multi-million dollar homes, are my passion. Forward-thinking has made me a trusted leader and colleague. I have established myself as an expert among my peers and other professionals within the lending and Real Estate industry. I am known for solving difficult and complicated loans with a multifaceted problem-solving approach.
My number one priority is customer service. My team and I are always available for a consultation or you can get started with my mobile app or apply online at www.ThomasMyMortgageGuy.com by applying online; your application will be received immediately! I will be notified by email and be prompted to return to our secure server to retrieve your application. This will enable me to start processing your loan today!
Thanks again for your visit, and please feel free to contact me anytime. I can be reached on my direct line at 651-276-2272 or via email at mail@ThomasMyMortgageGuy.com
My name is Josh McCarthy, and I’ve been helping clients in the mortgage industry since 2000.
What happens when you have a team of diligent mortgage professionals that excel in customer service and have the expertise needed to guide clients effortlessly through the home financing process? You end up with a pretty awesome problem – Happy Clients!
Growing up in a small town in northern Wisconsin and raised by self-employed parents, Heather has always understood the value of hard work, dedication, and integrity. She brings this same work ethic to each and every client, each and every time. As a mortgage banker on the Randi Livon Team at Alerus, Heather works alongside other professionals who believe helping people must come first. They are known for their timely responses, attention to detail, and a dedication to finding the best product for each client. Heather works with many realtors and financial advisors to help clients navigate their homeownership needs.
She graduated from St. Cloud State University with a bachelor’s degree in Finance and Real Estate, creating a natural path to the mortgage industry. Heather has over 22 years of experience handling various type of mortgage transactions. In her free time, she enjoys traveling, cooking, music, and being outdoors with her dogs.
Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan specialist. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice. I have the expertise and knowledge you need to explore the many financing options available.
Ensuring that you make the right choice for yourself and your family is my ultimate goal. And I am committed to providing my customers with mortgage services that exceed their expectations. I hope you’ll browse my website, check out the different loan programs I have available, use my decision-making tools and calculators, and apply for a loan in just four easy steps with the short form Application.
After you’ve applied, I’ll call you to discuss the details of your loan, or you may choose to set up an appointment with me using my online form. As always, you may contact me anytime by phone, fax or email for personalized service and expert advice.

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