Your needs are unique. Your home loan should be too.

As a Minnesota-based direct lender, Summit Mortgage provides you with a wide variety of both local and national loan product options, while still providing the personal one-on-one service not found at many of the larger banks. With over 30 years of mortgage lending experience and a local expertise of the greater Twin Cities real estate market, I’m here to listen to your individual needs and educate you on all your options to make sure you’re completely comfortable with your new home loan.

Below is a list of the more common loan products, but there are many others including local and Minnesota state specific home loan options available. For more information, please give me a call today so we can discuss your individual home mortgage needs.

(952) 838-8774 or lkuyper@summit-mortgage.com

Conventional

Fixed Rate Mortgages
A traditional mortgage product with a simple fixed rate over the life of the loan. Looking for low rates with a stable monthly payment? Turn to a fixed rate mortgage.
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Adjustable Rate Mortgages (ARM)
An increasingly popular alternative to the fixed rate mortgage, this program may give you a lower initial rate and monthly payment for a fixed term such as 3, 5 or 7 years. The interest may vary and payments may increase for remaining term of the loan.
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JUMBO Loan
For loans over conventional loan limits, a Jumbo loan is where you need to be. Options include several fixed rate terms or ARM options.
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Government Loans

FHA
Government-backed mortgage with lower down payment options and often more liberal qualifying than many conventional loans.
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VA
Available for veterans and active duty military, VA loans offer up to 100% financing, low fixed rates and no private mortgage insurance costs.
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USDA
Government-backed loan with up to 100% financing on homes in areas classified as rural. Homes may or may not be located in metropolitan areas. Contact me to see if your area is eligible for USDA.
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Minnesota Specific Home Mortgage Products

In addition to traditional mortgage products, Summit Mortgage offers a variety of local and Minnesota-specific home mortgage options.  Many of these loans include low or no down payment options, down payment assistance or tax credit opportunities which may help you qualify for the home you’re looking for.

These types of products change often so give me a call today to learn more about local and Minnesota state mortgage products available in your area.

(952) 838-8774 or lkuyper@summit-mortgage.com

To schedule a complimentary consultation to determine if you qualify for home financing, please give me a call today or fill out the simple form on the right.

I look forward to speaking with you soon!

Direct: (952) 838-8774
Cell: (612) 750-9128
Email: lkuyper@summit-mortgage.com

NMLS# 333768

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