Our Lenders

Tim Smith at American Heritage National Bank

Phone: 320-980-0944  Fax: 320-257-5072


American Heritage Bank– The oldest family-owned and operated bank in St. Cloud since 1881, including bank offices in Clearwater, Long Prairie and Browerville. Also known as the Log Bank, both banking locations in St. Cloud are constructed from full-sized cut pine logs occupying 30,000 square feet each. At our West side branch, the mezzanine level has been officially dedicated as an American Heritage Museum and the lower level hosts a 500 seat Conference Centre for local area charities and non-profit organizational meetings. At our East side branch, the Highway 10 site proudly presents the 25 foot granite Waterfall Memorial dedicated in honour to our American service men and women.

American Heritage Bank strongly supports the local communities in Central Minnesota and promotes the economic prosperity of its Main Street businesses. The Log Banks represent our long-standing commitment to you in providing the highest quality of personal banking and business services for achieving your financial goals. Come discover the experience of our relationship banking tradition!


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John Michaud at Bremer Bank

Phone: 320-492-8923  Fax: 320-255-7149


Bremer Financial Corporation is a privately held regional financial services company jointly owned by the Otto Bremer Trust and Bremer employees. Founded in 1943 by Otto Bremer, the company provides a comprehensive range of mortgage, banking, investment, trust and insurance products and services throughout Minnesota, North Dakota and Wisconsin. When you put your trust in Bremer, you experience an unparalleled level of service, commitments you can count on and a partner who understands your needs and the needs of your community.

As one of Bremer’s Top Mortgage Producers, John Michaud brings more than 15 years of experience covering every lending product Bremer has to offer; from FHA/VA, conventional, jumbo, first time homebuyer to construction lending. As a lifelong St. Cloud area resident, John’s reputation for clear communications, smooth closings and quick problem resolution is well known among his many repeat clients and business partners in the community. Consider Bremer as your trusted mortgage partner, contact John Michaud today.


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Todd Mrazek at Supreme Lending

Phone: 763-245-1511  Fax: 7634452084


NMLS# 218008 ADVERTISEMENT. EVERETT FINANCIAL, INC. D/B/A SUPREME LENDING NMLS ID #2129 (www.nmlsconsumeraccess.org) 14801 Quorum Dr., #300, Dallas, TX 75254. 877-350-5225. Copyright © 2018. Not an offer or agreement. Information, rates, & programs are subject to change without prior notice. Not available in all states. Subject to credit & property approval. Not affiliated with any government agency. Supreme Lending is required to disclose the following license information: AZ Mortgage Banker License 0925918, AZ Principal Office: 25030 S 190th Street, Queen Creek, AZ 85142. Licensed by the Department of Business Oversight under the CA Residential Mortgage Lending Act License 4130655. CO Mortgage Company - Regulated by the Division of Real Estate. Delaware Lender License 10885. GA Mortgage Lender License 22114– Georgia Residential Mortgage Licensee. IL Residential Mortgage License MB.6760323-DBA1– Illinois Residential Mortgage Licensee. MA Mortgage Broker License MC2129. MA Mortgage Lender License MC2129. Licensed by the N.J. Department of Banking and Insurance – New Jersey Residential Mortgage Lender License. Licensed Mortgage Banker-NYS Department of Financial Service. NY Mortgage Banker License B501049. Ohio Mortgage Broker Act Certificate of Registration MB.804158.000. Ohio Mortgage Loan Act Certificate of Registration SM.501888.000. OR Mortgage Lending License ML-4265. Licensed Mortgage Banker by the PA Department of Banking - Pennsylvania Mortgage Lender License 45048. Rhode Island Licensed Lender 20142998LL.
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Jim Arnold at PrimeLending

Phone: 320-333-5626  Fax: 866-763-8055



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Dana Fischer at Envision Capital

Phone: 320-224-9117  Fax: 952-960-3132


NMLS ID: 1587357 Lender ID: 327578 Whether you are buying your first home, your dream home, your next chapter in life home, my passion is educating clients so they can make an informed financing decision to best serve their needs. I have over 22 years of Lending experience with a demonstrated history of working in the financial services industry. Skilled in Conforming, Non-Conforming, VA Financing, FHA Financing, USDA Financing, Home Equity and Credit Analysis. When you work with me, you can be sure to experience: Honesty, Integrity, Loyalty, and Professionalism, as well as direct and consistent communication throughout the process!
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Melanie Benjamin at Eagle Home Mortgage

Phone: 651-261-4789  Fax: 844-757-7033


PLYMOUTH NMLS # 1435174, MN, AZ, FL, IA, ND, WI 3300 Fernbrook Lane North Suite 190 • Plymouth, MN 55447 *Equal Housing Opportunity* *Equal Opportunity Lender *
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Dan Groebner Loan Officer NMLS: 964534 at PrimeLending

Phone: 320-345-9796  Fax: 866-667-3290


PrimeLending and Premier Real Estate Estate Services are not affiliated.

All loans subject to credit approval. Rates and fees subject to change. ©2018 PrimeLending, a PlainsCapital Company. (NMLS: 13649) Equal Housing Lender.


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Shawn Neely at First Commonwealth Mortgage

Phone: 803-476-6733  Fax: 800-285-4751


Our secure technology is on a mission to make your home loan process easy, convenient and stress free.

  • Complete your loan app in under 5 minutes using our streamlined process.
  • Run accurate payment scenarios using our powerful calculators.
  • Determine your qualification with the click of a button.
  • Request and print Pre-Approval Letters directly from the app.
  • Capture and upload documents from your mobile device.
  • Real-time updates when you achieve important milestones on your loan.
  • Direct communication with your Loan Officer using the in-app messenger.

Shawn Neely, Mortgage Operations Manager

https://commonwealth.preapprovemeapp.com/Portal/1032/32935/Landing

502-657-1167 Office

800-318-1385 Toll Free

NMLS# 1416990


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Location & Address

Patrick Torgrimson
550 25th Avenue North
St. Cloud, MN
320-260-8008


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