Today's rates.  Which option is best for you?

30yr FIXED

6.875%  -  6.875% APR

0 points

30yr FIXED cash-out

6.875%  -  6.875% APR

.049 points

30yr FIXED

6.5%  -  6.602% APR

1.057 points

7/6 ARM

6.375%  -  6.516% APR

0 points


NATIONAL AVERAGE 30yr FIXED:  7.17%  (Mortgage News Daily)

assumptions: $0 lender fee, conventional refinance, single family home, primary residence, $600,000 home value, $450,000 loan, Minnesota property, 780+ credit score, 30 day lock.  Escrow for taxes + insurance optional and not required.  Escrow can be WAIVED - no additional cost

Rates valid 11-9-2026


FULL TRANSPARENCY!  Access same pricing engine we use - see the same rates + closing costs we see.

Enter your scenario into our Instant Rate Quote pricing engine for 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 apply
  • NO harassing texts, calls, emails

Most lenders make you jump through hoops (application, pull credit) before they'll even give you a quote.  Their rates + closing costs must not be very good!  Getting the best mortgage is about more than just the rate - you .  It's strategy.  What are your goals and future plans?  They matter.  WE LISTEN!

We recommend getting quotes from a few lenders.   VERY IMPORTANT: get ALL quotes at the SAME TIME on the SAME DAY.  Rates can change at any time during the day - a 9am quote could look very different at 3pm  


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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 charge higher rates + higher closing costs to help cover overhead (office rent, pay loan officer splits, advertising, etc.). I don't, which allows me to offer lower rates + lower closing costs. Instead of keeping more for myself, I pass the savings 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.