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Mortgage Loans

Whatever your stage in life, we can help make that house your home. Our Mortgage Loan Department offers full-service, very competitive home loan rates and fees.

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Central Minnesota's Mortgage Leader

Our knowledgeable Mortgage Lenders will help you decide the best mortgage loan solution that best meets your needs. The team will help guide you through the entire process, from application to closing.

Top-Rated Mortgage Experience

Members love our mortgage lenders! We have received a 4.8 out of 5 star rating for the mortgage experience.

4.8 out of 5 star rating

Plus, Magnifi Financial is the #1 Mortgage Lender in Stearns and Todd County in Minnesota with the highest number of loan closings!

Finance a new house purchase or refinance your mortgage with us and we’ll donate 1 night of housing to someone in need.

Giving back to the communities we serve is something Magnifi values and encourages.
Through our 3 Essentials program, Magnifi Financial provides food, shelter, and clothing to those in need.

Learn more about 3 Essentials


Buy a home

Buying A Home

Start here if you're thinking about purchasing your first or next home.

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Build a home

Building A Home

If you're thinking about building your next home, get started here.

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Refinance a home

Refinancing A Home

When you're ready to refinance your home to take out money or lower your payment, start here.

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Mortgage Programs

Check out some of the mortgage loan options available with Magnifi Financial:


Traditional mortgage loans with fixed rates throughout the term of the loan.


Mortgage Loans with variable interest rates which may fluctuate payments.


Learn more about purchasing your first home and your options available.


Purchase a piece of property for construction or recreational use.


A USDA program to boost rural communities and offer appealing mortgage loans to buyers.


Funds are available from the Federal Housing Administration to low-moderate income families.


A program for credit-worthy low-to-moderate income borrowers or homes in low-income communities.


A VA loan helps provide home financing for eligible Servicemembers, Veterans, and surviving spouses.


A program for self-employed borrowers who may have different sources or amounts of income.

Same-Day Mortgage Pre-qualification

Why is a mortgage pre-qualification important?

Know how much house you can afford

Know how much house you can afford.

It’s essential to know your price range when searching for a house. A calculator can be a good start, but getting pre-qualified will give you a better understanding of the loan amount that fits your budget.

Make an offer on a house

It's easier to make an offer on a house.

When you’ve found your next home, you can make an offer faster and more efficiently. It also proves to the seller that your offer is the real deal, and they are more likely to accept. This saves precious time when houses are selling quickly.

Faster mortgage process

Faster mortgage loan processing time.

Once you've filled out much of the information in your pre-qualification application, Magnifi Financial can use it to complete the full mortgage loan application. We'll probably need additional information, but it'll go by much faster.

Get pre-qualified in one business day with Magnifi Financial

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Meet the Mortgage Team

At Magnifi Financial, our mortgage lenders, underwriters, and team members are all local to the Central Minnesota area. This means your mortgage loan can process quicker than typical banks who outsource their underwriting. And since our mortgage lenders are local to your area, you can meet with them however you want, over the phone, at a branch, or even through email.

Our team-based approach also ensures that the loan processing part is efficient and timely. Most loans close faster than the average mortgage loans at big banks.


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Join the Magnifi Family!

At Magnifi, you're not just a member-owner of an award-winning credit union, you become part of the Magnifi family and receive all the benefits and perks you need to succeed financially.

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