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B&C Home Loans

Benjamin has over 20 years of experience in the ever changing mortgage industry. Benjamin is a graduate of St. Mary's University of Minnesota with a degree in Psychology and is able to help his buyers endure the inevitable stress of making a major life decision/move. We are a correspondent lender powered by the top most volume producing broker in the United States, NEXA Mortgage LLC. Therefore, we have access to all of the nation's top wholesale lenders and most every loan product imaginable. We are dedicated to the customer experience by having most of our staff local in the office and our clients benefit from the lower broker rates.

All of our home loan advisors have 10-20 years of experience in the ever-changing mortgage industry via an eclectic mix of lending institutions with an emphasis on purchase loans. We work with Conventional, FHA, USDA, and VA mortgage products and down payment assistance programs while also being able to broker out more unique loan programs for non-qualifying buyers. We are dedicated to finding fulfillment in helping all buyers to accomplish their dream of home ownership. We provide seamless process by working with a team of elite professionals. Collectively, are team has a strong reputation in the industry for being available and communicative as well as effectively getting results in even the most challenging and unique loan scenarios.

The Path to Home Ownership

Get Pre-approved

You need to be approved to look at houses so this is your very first step. Talk to your lender and complete the application. Your credit and income will be reviewed in order to issue the pre-approval. Often times we will just run your straight through underwriting.

Secure a real estate agent

Real estate agents are a dime a dozen but we can refer you one with an excellent track record that we trust. Once you interview them it is time to begin your house hunt!

Make An Offer

Once you find the house you want, your agent will right up an offer.

Accepted offer

The sellers have accepted your offer. The Purchase agreement will state the closing date and other important information

Inspection

Your real estate agent will likely recommend you a home inspector. It is your right as a consumer to use who you want. The home inspection checks all major mechanicals, and checks everything between the foundation and the roof.

Mortgage application

You will go over the terms of your loan with your loan officer, rate lock and loan estimate as well as discuss remainder of the process.

Appraisal

This is done to determine the value of the house since the house is collateral for the loan. The appraiser does get a copy of the purchase agreement.

Title Company 

It is your right to choose the title company as the consumer; no one else’s. We do have recommendations for title companies. Title is going to conduct your closing and will reach out to schedule the appointment.

Home owners insurance

Shopping for a mortgage is not like shopping for insurance. Make sure to shop around the insurance and let your loan officer know who you want to use.

Loan in processing

The processor goes through all of your documentation and works with the underwriters to secure approval. The processor communicates with everybody involved in the transaction.

Underwriting

Underwriters do a detailed audit of all of your information to make sure it is within the parameters and guidelines for the investors/lender.

Conditionally Approved

Underwriting has approved your loan asking for remaining conditions; this is standard and means that you all the more closer to closing!

Clear to close!

CONGRATS! Your mortgage process is complete. Your loan officer will soon go over your final numbers once they have balance with the title company.

Final walkthrough

Meet your agent at the property at a scheduled time to make sure that everything is in order.

Closing

This takes place at the title company. This is where you will sign all of your paperwork. Bring a valid ID and your cashiers check for funds to close and leave with your keys!

Our Process 

Our Process at B&C Home Loans rivals that of the biggest companies out there with the trust and care of a trusted local business. A combination of local services with the wholesale rates that you see with big companies. Our Advisors work with you to get the best rates possible. As a hybrid Broker and Lender, you can trust us to take care of all your needs. Contact B&C Home Loans at 763-843-0911 today! 

Our Clients Love Us 

  • Transparent Image One — Coon Rapids, MN — B & C Home Loans

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    Benjamin was a pleasure to work with. He was amazingly communicative and kept us in the loop about all of the processes. Was very informative and helpful when we were a little deer in the headlights he made sure we understood what we were doing and what he was doing. Thank you Benjamin Daniels ☺️


    - sixstringirl42

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  • Transparent Image Two — Coon Rapids, MN — B & C Home Loans

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    Benjamin was excellent, plain and simple. We told him from the get-go that getting us approved could be challenging and that a couple other lenders had either passed us up or failed to get us approved, or secure us an approval that we were happy with. Benjamin quickly requested all of the documents needed from me and was up-front that it would be a bit of a process but he would get us an approval that we were satisfied with. After moving along, with excellent communication, prompt responses, and establishing a robust rapport with my wife, realtor, and I Benjamin got us approved and we were able to close on our house. I would happily recommend Benjamin to anyone I know who is looking to get financing for their home.


    - Alex P.

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  • Transparent Image Three — Coon Rapids, MN — B & C Home Loans

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    This was my first time buying a home and ben made the process fairly easy for someone that has zero knowledge on the subject (me) highly recommend this guy!!


    - Rjmalmstedt

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  • Transparent Image Four — Coon Rapids, MN — B & C Home Loans

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    As a first time home buyer, Ben did a great job and made sure the process went as smooth as possible! He is prompt and is great at explaining things. He'll help you out for sure. I've already recommended him to a friend. Thank you Ben!


    - Josh

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  • Transparent Image Five — Coon Rapids, MN — B & C Home Loans

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    I've used Benjamin twice now, and he has kept us up to date on our house buying process more than others. Anytime we had questions whether it was daytime, evenings or weekends he would answer them all. Great guy to work with and would use him again for sure!


    - Andrew 

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