David and his team were great! They made the mortgage experience so easy!


-Andrea H.


David Kosmecki

Area Sales Manager

NMLS ID# 265365

F:
(763) 317-7046
A:
101 Broadway Street West
Suite 106
Osseo, MN 55369

Buying or refinancing a home is one of the most exciting, confusing and stressful financial transactions you'll ever make. Without the guidance of a dedicated Mortgage Loan Officer - loan documents, unfamiliar terminology and uncertainty can drain the joy out of buying a new home.

Our application process is simple. With 'Loan Prospector' and 'Desktop Underwriting', the loan application and the proper financial documentation provided by the client at the initial loan application will allow us to begin the process. These new computerized underwriting programs review your information electronically, allowing for answers in 24 hours or less. Once we have your approval we will be able to tell you if we need additional information from you in order to get your loan approved.

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Home-buying by numbers

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Your monthly mortgage
Estimate includes principal and interest only. It does not include taxes and insurance. Talk to a loan officer for specific calculations.

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What’s your monthly payment?


Estimate your monthly mortgage with this home loan calculator. Just remember, your results are only estimates.

Contact me and I can get you an official figure. I’m here to help.

I Have the Experience to Insure an Easy Transaction


Depend on my 41+ years of industry experience to avoid the speed bumps. Why not work with someone that has the solutions versus someone that has to look up the answers