Business Details
Trusted Mortgage Brokers in Fargo, ND
First Class Mortgage has built its reputation on delivering exceptional mortgage services with a focus on customer satisfaction and industry expertise. Our team of seasoned professionals brings over 100 years of combined experience, ensuring clients receive tailored financing solutions that align with their unique financial situations. As a locally owned and operated company, we prioritize personalized service, leveraging our deep understanding of regional markets to guide clients through the complexities of home financing.Our commitment to transparency, competitive rates, and streamlined processes has earned us a network of loyal clients and a strong presence across the Midwest. By maintaining partnerships with a nationwide lender network, we provide access to diverse loan programs while preserving the attentive care of a community-focused business. Our dedication to continuous improvement is reflected in our five-star reviews and the trust of homeowners and refinancers alike.
Services
FHA Loans
VA Financing
Conventional Loans
Jumbo Loans
USDA Loans
Refinance Options
First-Time Homebuyer Programs
Highlights and features
- Our consultants have over 100 years of combined mortgage industry experience.
- Locally owned with deep community knowledge in Midwest markets.
- We shop multiple lenders to secure the lowest rates and best terms.
- Award-winning customer service with verified five-star reviews.
- Streamlined digital tools simplify document submission and tracking.
Associations and certifications
- NMLS
What people say
Quick responses
Competitive rates
Stress-free process
Personalized support
Award-winning service
Services
FHA Loans
FHA loans provide accessible financing for low-to-moderate-income borrowers with lower credit scores. These government-backed mortgages require minimal down payments, making homeownership achievable for first-time buyers. Our team simplifies the FHA loan process with competitive rates and expert guidance.
VA Financing
VA loans offer zero-down-payment options for eligible veterans and service members. We specialize in navigating VA guidelines to secure favorable terms, ensuring military families receive the benefits they deserve through a seamless application and approval process.
Conventional Loans
Conventional loans suit buyers with strong credit seeking flexible terms. We provide fixed- and adjustable-rate options tailored to financial goals, whether purchasing a primary residence or investment property, with efficient underwriting and closing support.
Refinance Options
Refinance programs help reduce monthly payments, shorten loan terms, or access home equity. Our consultants analyze current rates and financial situations to determine optimal refinancing strategies, ensuring clients maximize long-term savings.
USDA Loans
USDA loans enable home purchases in eligible rural areas with zero down payment. We assist applicants in meeting program requirements, connecting families with affordable financing solutions in underserved communities through specialized expertise.
People
Dawn Johnson
Mortgage Consultant
Dawn specializes in first-time homebuyer programs, known for her responsiveness and ability to simplify complex mortgage processes while securing competitive rates for clients.
Dan Anderson
Senior Loan Officer
Dan leads refinancing initiatives with a focus on cost-saving strategies, leveraging 15+ years of experience to deliver personalized solutions for homeowners seeking financial flexibility.
Casey Van Winkle
Branch Manager
Casey oversees operations in Grand Forks, specializing in VA loans and guiding military families through the mortgage process with exceptional attention to detail and service.
Shea Gaier
Loan Originator
Shea excels in jumbo loan approvals, assisting high-net-worth clients with unique financing needs while maintaining a reputation for clear communication and timely closings.
Brady Day
Customer Service Director
Brady coordinates post-closing support and refinancing follow-ups, recognized for proactive client engagement and maintaining long-term relationships through consistent, transparent communication.
Questions
What mortgage loan programs do you offer?
We provide FHA, VA, conventional, jumbo, USDA, and first-time homebuyer loans, along with refinance options tailored to diverse financial situations and homeownership goals.
How long does the mortgage process take?
Purchase loans typically close in 30-45 days, while refinances complete in about 30 days, depending on documentation timeliness and lender requirements.
Do you offer online document submission?
Yes, our digital platform allows secure upload of financial documents, streamlining the application process and reducing paperwork for clients.
Are there special programs for first-time homebuyers?
We specialize in first-time buyer programs with low down payments and flexible credit requirements, including state-specific initiatives and down payment assistance options.
Can I refinance with bad credit?
Credit requirements vary by loan type—we offer conventional and government-backed refinance options designed for different credit profiles and financial circumstances.
Do you service loans after closing?
While we focus on origination, we partner with servicers who maintain customer relationships post-closing, ensuring continued support for payment inquiries and account management.
