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.

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. :)

I have had accounts at Spire since first using them for a car loan years ago. All the locations…read morehave been good with friendly and helpful staff. This location is a little more off the beaten path than some of the others I have gone to, but still easy enough to get in and out. I'm not a big fan of the big banks "banksters" so a credit union is a good alternative to those. I like to know the places I'm doing business with and Spire Credit Union is a not-for-profit financial cooperative founded as the Twin City Co-ops Credit Union in 1934. Spire is headquartered in Falcon Heights, Minnesota, over near the Minnesota State fairgrounds. Okay, enough of the preachiness about banks! I have had checking, savings and loans through SPIRE and have recommended them for car loans to friends and family. Their rates are good and were always lower than the alternatives I looked at - especially through the manufacturers. TIP: Check on their interest rates if you're looking to finance a vehicle.

so, it's taken me a whole year to cool off from being so mad at the Spire credit union, when my…read moregrandma was 74 she bought a protection plan on her vehicle with them the plan basically said, "you pay x amount of money each month and when you die, your vehicle will be paid off in full and given to your family." I went in to collect the documents I needed to get the vehicle. 3 people helped me and were all ready to take care of business. then suddenly someone came in and said "Well actually that plan was only good for people under 75. so, you mean to tell me that the bank sold a 74 year old, a protection plan that would expire in one year? HOW IS THAT RIGHT? if you ask me, that's taking advantage of the elderly. I sent a complaint to the better business bureau and spire bank had the adasety to address me a letter calling me "Mrs. Brown" and said that my grandma was not taken advantage of. And also never followed up with the vehicle. It's now been over a year.

I have known Shelly for a long time. She has helped me buy 2 houses over the years. Shelly is…read morevery, very good at what she does. She always has your best interest in mind. Shelly returns calls and emails very quickly. She and her team will work hard to make sure you are getting the best customer service. Shelly will find the best products available which will work for and help you. Shelly is the best in the business. There is no one I would trust more to help me with my home loans.

Shelly is very supportive and knowledgeable throughout the entire process. She is very easy to work…read morewith and had my best interest in mind. I would highly recommend her to my family and friends.

We are so happy with John and his services we received from him. From the start of the mortgage…read moreprocess to our closing. He and his office workers were so friendly and helpful making the stress less painful. Thank you so much!! Trish and Karen

Equity Source Mortgage made it unbelievably easy as a first time home buyer. They work around the…read moreclock answering all of your questions regarding the home buying process and explaining all the big words that most of us don't understand... Roy and Shawn are great and your definitely in good hands with Equity Source Mortgage!

Equity Source did a wonderful job with my mortgage. They coordinated everything needed - walked me…read morethrough step by step AND got me an incredible rate! Thank you for the advice, great service, and great loan!