A child playing tee ball In the backyard of a home
Homeownership made possible—for every person, family, and journey.
 

Your path to the right home loan

At Think Bank, we believe homeownership should be within reach for everyone.  Whether you're buying your very first home, refinancing the place filled with memories, or exploring programs that make ownerships more affordable, we're here to walk alongside you. Our team takes the time to explain the process in clear, easy-to-understand terms and answers your questions at every step. Together, we'll find the loan option that fits your life— backed by competitive rates and programs designed to support a wide range of buyers and families. Because at Think, we don't just offer loans, we open doors.
 
Our mortgage advisors are here to help.
1-800-288-3425 ext. 2507
 







Mortgage loans for every stage of homeownership

Traditional Loans

Straightforward, reliable loan options with the flexibility to fit your budget and lifestyle.
  • Fixed rate mortgage
  • Adjustable-rate mortgage
  • Jumbo mortgage

Homebuyer Assistance Programs

Designed to make homeownership more accessible, these programs offer help with down payments, closing costs, and more.
  • FHA loan (Federal Housing Administration)
  • HomeReady mortgage
  • MHFA loan (Minnesota Housing Finance Agency)
  • American Dream mortgage
Learn More

Vacation Home & Investment Properties

Looking to purchase a vacation getaway or build long-term wealth with a rental property? We offer flexible fixed and adjustable-rate mortgage options to help make it happen.
  • Vacation home
  • Investment properties

Lot & Construction Loans

Planning to build your dream home? We offer loans to help you purchase land and finance construction—whether you’re starting with a lot or ready to break ground.
  • Residential lot loan
  • Construction loan

Home Equity Loans 

Put your home’s equity to work—remodel your space, consolidate debt, or open a line of credit for whatever comes next. 
  • Fixed-rate home equity loan
  • Home equity line of credit (HELOC)

Home Refinancing

Discover flexible refinancing solutions tailored to your financial needs, whether you're looking to lower your monthly payments or tap into your home's equity.
  • Home refinancing






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What our mortgage customers are saying

"The mortgage process was made exceptional from the very first interaction. There was a remarkable blend of professionalism, expertise, and genuine care. Every question was answered with patience and clarity, backed by extensive knowledge of the process."

From our very first call inquiring about mortgage options all the way through closing, the service was outstanding. Every question was answered promptly, and the experience was smooth with no hiccups. It truly was an awesome experience."

 

Need a little extra support and guidance on your homebuying journey?

The path to homeownership looks a little different for everyone. Whether you're purchasing your first home, need flexible down payment options, or want help navigating assistance programs, we're here to guide you. Our goal is to make the process easier, more accessible, and tailored to your needs.

Frequently asked questions


It’s a common myth that you need 20% down to buy a home — and it’s simply not true. Many buyers qualify with a much smaller down payment, and some programs even offer options with little to no money down. While putting less than 20% down may mean added costs like mortgage insurance, it can still be a smart and affordable way to get into a home sooner. We’ll help you explore your options and find what works for you.
Not at all. You don’t need perfect credit to buy a home. If you have bumps in your credit history but earn steady income and pay your bills on time, there are still paths to homeownership. In some cases, you may need a larger down payment or meet specific requirements, but we’re here to help you plan, prepare, and move toward qualifying confidently.
It depends on your situation. Renting can make sense if you plan to move frequently or prefer flexibility. But if you expect to stay put for several years, buying often becomes more cost-effective over time. With a fixed-rate mortgage, your monthly payment stays steady — unlike rent, which can increase year after year. Plus, as your home appreciates and you build equity, you’re investing in your future rather than your landlord’s.
Getting preapproved is easy. Just connect with a Think Bank mortgage advisor — we’ll look at your income, credit, and financial picture to determine what you qualify for and provide a preapproval letter you can use when shopping for a home. It’s a smart first step that gives you confidence and shows sellers you’re serious.
Yes — if you’re ready. The “right time” is personal and depends on your budget, life stage, and goals. Even in changing markets, opportunities exist for well-prepared buyers. When you purchase a home, you’re investing in stability, potential equity growth, and a place of your own. We’ll help you explore your options and feel confident about your timing.
Your monthly payment depends on things like your loan amount, interest rate, term, taxes, and insurance. Use our mortgage calculator to estimate your payment — or reach out and we’ll walk through the numbers together.
Mortgage rates change often. View our current rates here, or talk with a Think Bank mortgage advisor for personalized guidance based on your credit, goals, and loan type.













 
 

Ready to apply or have questions?

Call us at 1-800-288-3425 ext. 2507, send us a message, or visit one of our branch offices located in Apple Valley, Eagan, Edina, or Rochester. 

 
 

Related pages



Home financing is available to existing customers, or new customers who live or work in Minnesota, for primary residences located in AZ, FL, IL, IN, IA, KS, MN, MO, NE, ND, SD & WI. 
 
Financing for investment properties is available to existing customers, or new customers who live or work in Minnesota, for properties located in the following southeastern Minnesota counties: Olmsted, Dodge, Mower, Fillmore, Winona, Wabasha, Goodhue, Hennepin, Carver, Scott, Dakota, Ramsey, Washington and Anoka.
 
NMLSR ID 440195