Real Estate

Home Mortgage Loans

As the number one broker for Mobile Home loans in Minnesota over the past five years, Berins is now bringing the same experience, customer care and excitement to the real estate mortgage market!

We have partnered with the country’s largest Wholesale Lender to provide our current and new customers with the best variety of programs to meet their needs.

Programs include:

  • Purchase loans
  • Refinance loans
  • Conventional loans
  • FHA/VA
  • Adjustable Rate loans
  • Debt Consolidation loans
  • Manufactured Homes attached to private land
  • Modular Home loans

We are not your mega loan broker where clients are lost in the mix. We pride ourselves on providing personalized service with the best programs and technology to meet our clients’ needs. We know that your mortgage loan will most likely be the biggest investment you will ever make so we take the time to listen to you and walk you through the process. The mortgage process can seem overwhelming and cumbersome but we are dedicated to making everything as transparent and painless as possible.


What will I need?

When preparing for the mortgage process, you will need to gather the following information as part of your loan portfolio.

  • Social Security Number of the borrower(s)
  • Current pay stubs; or if self employed, last two years of tax returns
  • Last two months of bank statements
  • Last two months of investment account statements
  • Last two months of Retirement account statements
  • Vehicle information and resale value
  • Credit card account information
  • Auto loan account information
  • Personal loans account information
  • Current mortgage account information (if applicable)
  • Home insurance information (if applicable)
  • Home equity information (if applicable)

Additional information may be required throughout the loan process.


The Loan Process

To ensure we secure the best loan to meet your needs, we maintain a high level of communication to make the loan process easy. We will navigate the process with you, answering any questions you have along the way.

Step 1: Complete the two step online application process by using our secure online application or calling the Berins team to complete the process over the phone.

Step 2: Once the first step of the application has been completed, a Berins Loan Officer will reach out to you regarding potential loan programs to meet your needs. They will work with you to determine the best program based on your feedback and individual needs.

Step 3: After discussing your personal situation and potential loan programs, your Loan Officer will create a customized loan program packet for your review.

Step 4: Once your loan has been finalized, your Loan Officer will contact you to set up an appointment for closing.

 

Please contact us if you have a question that is not answered here.