Everyone talks about "full transparency" but few prove it.  WE DO! 

We give everyone access to the exact same pricing engine we use - you see what we see every day...FULL TRANSPARENCY

Most mortgage lenders make you jump through hoops (application, pull credit, etc.) before they'll give you a quote.  Their rates + closing costs must not be very good.

Getting the best mortgage is about more than just rate.  It's strategy.  We listen.  What are your goals and future plans?

Enter your specific scenario in our Instant Rate Quote pricing engine to get personalized rate + closing cost estimates.  UNLIMITED access - enter as many scenarios as you want - NO personal info required:

  • NO email
  • NO phone number
  • NO social security number
  • NO credit check until you're ready to apply
  • NO harassing calls, texts, emails 
  • WAIVE escrow to 95% of appraisal value - pay your property taxes 2x/year (due May + Oct) and home insurance annually

You should get a couple quotes from 2 - 4 lenders.  VERY IMPORTANT:  get ALL quotes at the SAME TIME on SAME DAY.  Rates can change at any time during the day - a 9am quote can be very different at 3pm 


Instant Rate Quote
Saint Paul
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What's YOUR best refinance option?

5.99%6.543% APR1.122 points - $0 lender fee

7/6 ARM Conv



6.499%6.586% APR0.903 points - $0 lender fee

30yr FIXED Conv



6.75%6.75% APR0 points - $0 lender fee

30yr FIXED Conv



6.875%6.875% APR0 points - $0 lender fee

30yr FIXED Conv CASH OUT



* ASSUMPTIONS:  refinancing a single family home; primary residence; $700,000 appraisal value; $525,000 loan amount; state of Minnesota; 780+ credit score.  Rates valid 11/5/2026

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Elite Minneapolis/St Paul mortgage company. Brian Kearney, company's founder and originator, is a 27 year mortgage industry expert. Simple, smooth process and quick close is the goal for every transaction. 

LOCAL company, not out-of-state lender. Word-of-mouth and referrals from past clients are primary drivers of my business. Reasons clients come back to me and refer family, friends and co-workers:

PRICING: Extremely aggressive. Most companies need to offer higher rates to cover overhead (office/staff). I don't, which allows me to offer lower rates and costs! Instead of keeping more for myself, it's passed on to you...called premium pricing. We use premium pricing to lower your loan costs or pay them entirely!

EXPERIENCE: Everyone treated like family. Work with only me from application to closing. Mistakes happen at other companies when files get passed around. We'll review customized options to identify the best loan for your personal situation. The mortgage process isn't stressful when you work with an experienced originator. I stay current with guidelines, training, and follow financial markets in real-time to get a sense of where rates are headed. You're not just quoted rates; you're guided thru entire process by a professional.

TRUST:  Transparency and accountability are paramount. We NEVER charge any junk fees!  

COMMUNICATION: Work around your schedule. Morning, evening, weekend.  Phone, email, text. Answering my phone is a priority!  When you call, expect me to answer.  Email, text, voicemail returned ASAP.  Communication = No Mistakes = NO SURPRISES!

PROCESS: My process is continually tweaked to ensure it's simple and stress-free from start to finish.  Sign loan disclosures electronically.  Send your documents securely online.  Less paperwork = less hassle. Every home purchase cleared to close a week prior to closing date and lender funds sent the day before closing. No last minute BS or anxiety!  Refinances close 9am-9pm...you pick time and place! Simple and stress-free.