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!
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.
My objective is simple; to do for you what I would wish someone in the same position to do for me which means always acting in your best interests in order to achieve the goals that you have set for yourself. I have been in the real estate business for over 20 years and began when I started in the construction of homes. I have built homes from the ground up (pouring footings to setting the last finishing nail) which is a huge benefit for you as I can share that knowledge about home construction with you. I have successfully negotiated hundreds of contracts and fully understand the process as well as every line of a contract that you will be signing your name to. We are the only entity that can work with legally binding contracts w hile not holding a law degree and as such we have very specific fiduciary responsibilities to our clients and I take them very seriously. My goal is to make the process not only informative and educational thereby removing the fear or anxiety that some experience but also to make the process both exciting and fun and I strive for 5 stars in every transaction. The bottom line is if you're not happy, then neither will I be!
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"Patrick is an amazing agent! When we bought this house it was in foreclosure and Patrick's construction knowledge exceeded my expectations. After the purchase he also helped design the finish of the home. His expertise helped save us time and money! I would recommend Patrick 100% to everyone buying or selling a home, he will surely not disappoint!!"