Business Details
Your Trusted Mortgage Partner in Edina, MN
Uptown Financial has built a reputation as a trusted mortgage lending partner, specializing in residential loans across Minnesota and Wisconsin. Our team prioritizes transparency, open communication, and client education, ensuring borrowers receive personalized guidance throughout the lending process. With expertise in first-time homebuyer programs, VA loans, FHA 203k renovation loans, and jumbo mortgages, we cater to diverse financial needs.Our commitment to weekly loan progress updates and a client-first approach has fostered long-term relationships and consistent referrals. Led by seasoned professionals like Branch Manager Ben Coulter, we combine local market knowledge with national lending standards to deliver superior service, knowledge, and results. By focusing on ethical practices and tailored solutions, we empower clients to achieve homeownership goals with confidence.
Services
Residential Mortgage Loans
Refinancing
First-Time Homebuyer Programs
VA Loans
FHA Loans
Jumbo Mortgages
Renovation Loans
USDA Loans
Down Payment Assistance
Conventional Loans
Highlights and features
- We provide transparent communication and weekly loan progress updates.
- Our team specializes in Minnesota first-time homebuyer programs.
- We offer zero-down VA loans and FHA 203k renovation mortgage expertise.
- Our branch manager holds NMLS certification (#383046) with local market knowledge.
- We guarantee responsive service with loan specialists available seven days a week.
What people say
Knowledgeable team
Excellent customer service
Timely assistance
Highly recommend
Smooth process
Services
Residential Mortgage Loans
We provide comprehensive residential mortgage solutions for primary residences, vacation homes, and investment properties. Our offerings include conventional loans, government-backed programs, and specialty financing options tailored to individual financial situations. With expertise in Minnesota and Wisconsin markets, we help clients navigate loan selection, application, and closing processes while maintaining transparent communication throughout the transaction.
First-Time Homebuyer Programs
Our specialized programs assist first-time homebuyers with low-down payment options, down payment assistance, and educational resources. We offer Minnesota Housing Finance Agency partnerships, FHA loans with minimal requirements, and customized guidance to help new buyers achieve homeownership while avoiding common pitfalls associated with traditional lending processes.
FHA 203k Renovation Loans
This program enables borrowers to finance both home purchase and renovation costs through a single mortgage. Ideal for fixer-uppers, our FHA 203k loans cover major repairs, energy-efficient upgrades, and structural improvements. We streamline the complex approval process while ensuring compliance with federal regulations and lender requirements for seamless project execution.
VA Loans
We specialize in zero-down payment VA loans for eligible military personnel, veterans, and surviving spouses. Our dedicated specialists navigate VA-specific requirements, including Certificate of Eligibility acquisition and appraisal processes, while offering competitive rates and personalized support to honor service members' homeownership benefits.
Refinancing
Our refinancing options help homeowners reduce monthly payments, access equity, or adjust loan terms through rate-and-term or cash-out refinancing. We analyze current market conditions, equity positions, and credit profiles to determine optimal timing while providing clear comparisons between existing and potential loan structures.
People
Ben Coulter
Branch Manager
With over 15 years of mortgage industry experience, Ben Coulter leads Uptown Financial's Edina branch. He specializes in Minnesota residential loans and has closed hundreds of transactions, including complex renovation projects. Ben prioritizes client education and transparent communication.
Aaron Daeges
Mortgage Loan Originator
Aaron Daeges brings extensive knowledge of conventional and government loan programs to Uptown Financial. His expertise in market conditions and rate locks has helped numerous clients secure favorable financing terms while maintaining five-star customer satisfaction ratings.
Benson Ringle
Loan Officer
Benson Ringle specializes in first-time homebuyer programs and down payment assistance options. He focuses on educating new buyers about mortgage processes while maintaining a 98% client recommendation rate through personalized support and timely communication.
Megan Hoeschen
Loan Specialist
Megan Hoeschen provides dedicated support for USDA and rural development loan programs. Her attention to detail ensures accurate documentation submission and timely approvals for clients purchasing properties in qualifying areas.
Questions
What types of mortgage loans do you offer?
We provide conventional loans, FHA and VA programs, USDA rural development loans, jumbo mortgages, renovation financing, and first-time homebuyer-specific options with down payment assistance.
Can I get a mortgage with no down payment?
Yes, we offer VA loans and USDA programs that allow qualified borrowers to purchase homes with zero down payment requirements while maintaining competitive interest rates.
How does your pre-approval process work?
Our pre-approval involves verifying income, assets, and credit history to determine loan eligibility. This creates a conditional commitment that strengthens purchase offers and clarifies budget limitations.
Do you offer renovation loans for fixer-uppers?
We specialize in FHA 203k renovation loans that finance both property purchase and approved improvements, allowing buyers to transform fixer-uppers into dream homes through a single mortgage transaction.
What are your current mortgage rates?
Rates fluctuate daily based on market conditions. Contact us directly for personalized rate quotes tailored to your specific loan program, credit profile, and property type.
