Why do Twin Cities realtors send Ben their buyers?
Because a loan Ben says will close is closing. Twenty-plus years of originating, a former financial planner's analysis on every file, and a local Edina team — Niki, Anna, and Celena — who keep you updated before you have to ask.
Your reputation rides on every referral you make. Ours is built to protect it: fully documented pre-approvals that listing agents trust, honest answers on tricky files within hours — not days — and clients who hear from us proactively at every milestone. From high-net-worth buyers to first-time homebuyers with MHFA assistance, the range is the point: one lender for your whole book.
What is Cash Advantage for my move-up clients?
We pay cash for the home they're moving out of and finance the new one — so your client buys with no home-sale contingency, and you keep the listing on their current home. It is built to strengthen your relationship, not compete with it.
Move-up clients are where contingent offers go to die. Cash Advantage takes the sequencing problem off the table entirely. Read the full Cash Advantage guide, or call and we will walk a live scenario with you.
What happens with the tricky files?
Send them. Rescue loans are a specialty — turndowns from other lenders get a genuine second look against the actual guidelines, and self-employed buyers get bank-statement documentation instead of a tax-return dead end.
Ben's line for it: "Turn other banks denials into approvals and helping families into homes." Your stalled listing, your self-employed buyer, your investor with fourteen properties — those files are welcome here. See the second-look guide and the self-employed guide.
Can your team serve my whole client base?
Yes — bilingual teams are in place in Spanish and Russian, investor programs include 14 in-house DSCR options, and the same team runs renovation, reverse, and jumbo files. One relationship covers the buyers other lenders cherry-pick around.