Steve has been in the Mortgage business originating / building relationships since early 2001. His company underwrites loans "in-house" and has their own "funding department" for consistent results.
Get to know Steven Brand
Areas of Expertise / Specialties:
Standard Agency products along with extensive Knowledgeable in Single Premium & Lender Paid MI... and WHY/WHEN it should be used.
Buying after a BK, Short-Sale or Foreclosure? I've got your options.
Building a new home? Look into our "Construction to Perm / One time Close" program.
FHA - 3.5% down
VA - Zero down for qualifying Veterans / spouses (ask about special programs too!)
USDA Rural Development - Zero down for eligible properties/borrowers
Rate/Term or Cash-Out
College education investing (consult with your Financial Advisor or I can refer you one)
Tax arbitrage investing (consult with your Finacial Advisor or I can refer you one)
No or Low Closing Cost options possible
FHA Streamline Refinances
VA IRRRL Streamline Refinances
Reverse Mortgages (senior citizens can eliminate their current mortgage/mortgage payments)
Commercial / Business Loans (call for details)
Industry technology expert (speed of online underwriting and approvals)
PAPERLESS applications and document gathering available to speed the process up.
Steven Brand's Blog Posts
Competitive rates and fees
Prompt and ongoing communication with Customers and Affinity Partners
Dedication to meeting customers specific financial needs... every deal is different
Responsive service and professional expertise
Constantly striving to know more than "that other mortgage guy"
Positively influence Customers and Affinity Partners
Regardless of who I'm working with... a FTHB or someone looking to better their situation with a Refinance I take my job as more of an education process than just going through the motions.
I'd rather help LEAD my borrowers through the process and be explaining everything as we go.. helping them with every turn instead of just giving them a standard LIST of how the mortgage process is SUPPOSED to go.
The comparison should really be like having a GPS vs a MAP.
Testimonials for Steven Brand
Dave & Liz - Eagan, MN03/27/2015
We had such a great experience with Steven Brand. We felt so at-ease and comfortable, not only because of Steven's knowledge, but also because he was always there for us. He was very patient with us and made us feel that there was no such thing as a "dumb question" and that was very important to us. We're not the most tech savvy people, but Steven went out of his way to work with us. We would recommend Steven Brand to our family and friends, or to anyone who is looking to feel comfortable when refinancing
Mark - Burnsville, MN03/24/2015
Steve came through for us when others (my credit union) could not. Made things move very efficiently and smoothly. Explained every step of the way. Highly recommended.
Kay K - Coldwell Banker Burnet agent03/23/2015
I just met again with David ____ (the buyer I sent to you for a "2nd look" on their financing) and he made the comment:
"Thanks for introducing me to Steven Brand... after meeting with him I would not consider using anyone else as my "mortgage guy" to buy my new home".
Great job - Thank you!
Ross - Stillwater, MN01/03/2015
Steve was the best advocate for my family that I could have asked for during this mortgage process and there were a few key things he did that I believe separate him from all his peers (also why someone should use him far above anyone else). First, Steve is available. That may sound obvious but he helped answer all my questions during our first call at 9PM at night. I called half-way expecting his voicemail and he ended up being able to walk me through the entire process of what I needed to send over. I'm busy with my kids until 9PM so this was huge for me. He subsequently always returned my calls and e-mails in a very timely basis which is huge when you have heavy questions on your mind during the process. Steve also moved mountains for me when I ran into a huge stumbling block with the buyers of our house wanting a new deck. He personally helped me find a banker to do an out of the box quickie loan to finance our new deck until closing which was VERY unconventional with what most banks are willing to do. We couldn't have done the deal without this. Lastly, Steve is very straight-forward in helping you understand what's behind the "green curtain" for how the mortgage numbers are calculated. He has really great technology which makes it easy to see what he's seeing and keep you in the loop of your bottom-line take-away numbers. Overall, I couldn't recommend Steve more to someone that's looking to have someone just not be an "order taker." Steve is a true partner, a straight shooter and someone that will help you have a smooth closing with no problems (which is what we all want)!
Scott - Lino Lakes, MN12/22/2014
Steve was great. He was extremely responsive to our calls and emails, and was not put off by our many questions. In fact, he wanted us to know as much as possible and did a great job explaining everything to us.
Viet - St Paul, MN10/27/2014
I had the opportunity to work with Steven directly (with my home purchase) and I am impressed. Extremely prompt and to the point. Steven replied to my phone calls and e-mails in a very timely manner. Steven went out of his way to make sure my loan package was customized to my benefit.
Vivian - Real Estate Agent, Brooklyn Park08/28/2014
When my client switched (to Steve for financing) within 2 weeks to closing.. I was very nervous but Steve got it done with time to spare ;) Keep up the good work. I know who I'm referring my buyers to from now on.
Thet - St Paul, MN08/25/2014
I had 3 weeks until closing and I was stuck with different loan officer. The experience with other loan officer was not very transparent. I then arranged a meeting with Steven. He said he can get everything ready for closing. He explain every single step needed toward closing clearly. Since the meeting, I knew Steven will be my loan officer. He was very clear with explanation and very open to every question I have. He is very quick to response to my question as well. I am very happy with everything.
Mark - Farmington, MN11/29/2013
Right from the start it was obvious that Steve had my best interests in mind. I've learned over the years that securing a mortgage sometimes brings minor glitches and additional requests from the lender. What made this experience so different was that rather than make excuses, Steve & Genny found solutions and went out of their way to work with them in a way that was the least inconvenient for me. Anyone can quote you a good rate, but that is meaningless if they can't make it all come together. I sincerely appreciate the great customer service and would recommend Steve without hesitation!
Tammy - Roseville, MN11/04/2013
Steve was great to work with in the purchase of our home, he always answered our questions in a very timely manner and provided detailed information to better explain the process. Steve is very well spoken and knowledgeable of the products and mortgage options for his company. Thanks for your great work for us!