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    Dave Kosmecki - Primary Residential Mortgage

    2.0 (3 reviews)
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    Ask the Community - Dave Kosmecki - Primary Residential Mortgage

    First Class Mortgage

    First Class Mortgage

    (10 reviews)

    What an absolute JOKE of a business. The owner, Brady is easily one of the WORST communicators…read moreyou'll ever work with and the only thing you can rely on him for is to waste your time and lower your credit. He had me waiting to see if I was approved for a mortgage loan for almost a month ... and he still wouldn't return my phone calls or emails, or let me know if I was approved for the loan or not. Do yourself a favor and go with a national mortgage company like Better Mortgage. They had an answer for me the same day I applied and they were unbelievably professional and helpful.

    Brady and the First Class Mortgage staff provided a PHENOMENAL experience for us from day 1. This…read morewas the second time we've refinanced and it has been the best experience we've ever had. We had a great 30-year rate already, but we wanted to take advantage of the low rates. I called and checked online with 7 different mortgage companies and I'm so thankful we chose First Class Mortgage. Not only did they offer the best rate and lowest closing costs of the other companies, but they offered assurance that if the loan process took longer than expected (which is common with the low interest rates right now), they would take care of it and we wouldn't have to pay extra to continue locking in the rate. This was something none of the other companies were willing to do. Thankfully, their team processed our loan as quickly as possible. They made the process so very simple; we were able to do everything except the closing (which was also perfect) in person. They were clear about everything from the beginning and answered every question we had. They communicated with us every step of the way so that there were no surprises. To top it all off, despite telling us our rate would be locked in and couldn't be reduced, their team was able to get our rate down from 2.375% to 2.25%! WOW! Thanks to them, we are paying almost the same monthly amount...but will pay it off 7 years earlier! We are incredibly grateful for everything they have done. Thank you to Brady, Lisa, Nate, and Austin for a FIRST CLASS experience in every possible way. We are very excited about the money we'll save over the next 15 years. :)

    Refined Lending

    Refined Lending

    (1 review)

    I heard about Refined Lending from their radio ad during my commute home. We were interested in…read morepurchasing a home and didn't know what our options were having been renters for such a long time. Jon Hill, and his team, took us under their wing and helped us through the process. If you are renting and think you can't buy or you don't have enough money for a down payment, give them a call. They will explain your various options, in detail, and work to get you into the loan that fits your situation. I will be the first to say, that my situation was unique and more complicated than most, and they met and exceeded my every expectation; even, when I became flustered or confused they stayed the course with us and continued to give my husband and I sound advice. I can't say enough good things about Refined Lending, Jon Hill, or his team!

    From the owner: Refined Lending is a custom home mortgage company specializing in up and coming or established,…read moreurban and suburban neighborhoods in the Twin Cities. Our experienced team works closely to suggest the perfect mortgage for your unique lifestyle; a payment that fits within your budget. The choice to work with Refined Lending will make your next move a simple, streamlined and highly rewarding experience. Our in-house products such as new construction, purchases, and refinancing will allow us to assist every homeowner. With Refined Lending you will work with one team from the pre-approval stage all the way through your final home closing. Refined Lending partners with highly sought-after real estate agents, and home builders to make sure you get the most current trends and technology, as well as superior products and workmanship.

    Dave Kosmecki - Primary Residential Mortgage - mortgagebrokers - Updated May 2026

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