Business Details
Your Trusted Mortgage Broker in Minneapolis
Propel Home Loans operates as a mortgage brokerage with over two decades of industry experience. Our approach emphasizes personalized loan structuring through partnerships with national lenders, focusing on tailored financial solutions for homebuyers and investors. We prioritize client education and long-term mortgage debt management, leveraging technology to enhance service delivery while maintaining a team-centric approach to customer support. Our business model centers on professional accountability and transparent communication throughout the lending process. 
Services
Fixed Rate Mortgages
FHA Loans
VA Loans
USDA Loans
Jumbo Loans
First Time Home Buyer Programs
Low Down Payment Options
Investment Property Mortgages
Refinance
Cash Out Refinance
Highlights and features
- We offer 20+ years of mortgage industry experience
- Our team maintains relationships with top national lenders
- We provide custom-tailored loan structuring services
- Our 5-star client service focuses on transparency
- We commit to lifetime mortgage debt management guidance
What people say
Excellent communication
Guided every step
Great rates available
Professional team approach
Smooth mortgage process
Services
Fixed Rate Mortgages
Fixed Rate Mortgages provide consistent monthly payments that remain unchanged throughout the loan term. This service benefits borrowers seeking predictable housing costs and protection against interest rate fluctuations. Our 15- and 30-year options balance affordability with long-term financial planning.
FHA Loans
FHA Loans enable low-down-payment home purchases with flexible qualification requirements. This service assists first-time buyers and those with limited credit history through government-backed financing. We guide clients through the 3.5% down payment process and specialized documentation needs.
VA Loans
VA Loans offer zero-down-payment options for veterans and active military personnel. Our service includes navigating eligibility requirements and specialized appraisal processes. We handle the unique documentation and timeline considerations associated with Department of Veterans Affairs lending programs.
USDA Loans
USDA Loans facilitate home purchases in eligible rural areas with zero-down-payment options. This service helps low-to-moderate income borrowers meet specific location requirements. We assist with property eligibility verification and income qualification guidelines.
Jumbo Loans
Jumbo Loans finance high-value properties exceeding conventional loan limits. Our service provides flexible terms for luxury home purchases with competitive rates. We specialize in navigating the unique underwriting requirements for these premium financing solutions.
People
Debora Macziewski
Loan Officer
NMLS# 337740 with specialized expertise in mortgage solutions, providing personalized guidance through complex loan processes while maintaining exceptional client communication standards.
Court Ryan
Loan Officer
NMLS# 345759 offering comprehensive mortgage knowledge and dedicated support throughout the home financing journey with a focus on client education.
Trever Johnson
Loan Officer
NMLS# 719838 combining technical expertise with personalized service to help clients achieve homeownership goals through tailored mortgage solutions.
Toni Warren
Director of Operations
NMLS# 2059079 overseeing operational excellence while maintaining direct client engagement as a seasoned loan officer with comprehensive industry experience.
Steven Carter
Mortgage Advisor
NMLS# 725460 providing strategic mortgage advice and personalized financing options based on individual financial circumstances and long-term goals.
Questions
When should I consider refinancing my mortgage?
Refinance when rates drop 1% below your current rate, or 0.5% with large loan amounts, to reduce monthly payments through lower interest costs.
What are mortgage points and should I buy them?
Points equal 1% of loan amount to reduce interest rates. Buy if staying 3+ years to recoup upfront costs through monthly savings.
How does APR differ from interest rate?
APR includes loan fees and points for accurate cost comparison, while interest rate determines monthly payments without additional charges.
What documents are needed for mortgage approval?
Provide income verification (pay stubs/tax returns), asset statements, employment history, and property details for comprehensive loan evaluation.
Can I lock in my mortgage interest rate?
Yes, rate locks guarantee your interest rate for 30-60 days during closing to protect against market fluctuations affecting monthly payments.
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