Refined Lending Mortgage Bank- Brainerd Lakes Area, Baxter, MN

Kelly Woodman and John were life savers! We were first time homebuyers and wanted the house we got more than anything! Kelly was amazing in guiding us and helping us in every step of the way! If I could give her more stars I would. She worked quickly and made this stressful process stress free! She also gave us multiple options to make sure we were able to get our home! I would recommend Refined Lending and Kelly to anyone!

John and Kelly were amazing in helping us with the first time home buyers experience! They collaborated with our realtor and us to get us the best experience possible. With the hiccups we experienced John and Kelly worked round the clock to help us make it to closing. I would suggest John and Kelly to anyone with their home loan needs.

John and Kelly were wonderful to work with! They answered questions quickly and helped with the voluminous amounts of paperwork now required for buying a house. I would wholly recommend them!

I'm not one to do bad reviews or reviews at all but I have to with this. I started my home buying process in February of 2022. It started out ok and then I found Refined Lending. I thought they were great at first. Super helpful wanting do do everything they could to get me into a house. I got a pre approval for a loan and started looking for houses. It did take sometime to find the right home but it finally happened in September of 2022. I put in my offer and it got approved by the seller and Refined Lending approved the loan amount. Then things started going down hill. IT was one thing after another right before we were supposed to close. I was then told that my wife had to be added to the loan (which whatever no big deal) Then it was o now your credit isn't good enough, then it was well I'm going to keep looking at options. During this time communication got less and less. I was reaching out daily and not getting a response for a day or two. I was pretty much begging for any information from them. as of the beginning of January I still have not closed on my house and decided it was time to see if anyone else could help us. Come to find out Refined Lending had pulled my Credit report 18 times since August! That is pretty much unheard of. It Caused my credit to drop significantly so I was no longer eligible for FHA/ USDA/ and down payment assistance. I would never wish this on anyone. And pray that no one else has to go through this as it is heart breaking and beyond stressful. I do not suggest refined lending and never will to anyone!

John and Kelly were great in helping us get our first home! I highly recommend them! Good to work with, very down to earth, and friendly.

John and team did an excellent job of assisting us in the home loan process and went above and beyond right up to the final minutes to closing. Couldn’t have done it without John’s expertise!

Kelly Woodman and John were life savers! We were first time homebuyers and wanted the house we got more than anything! Kelly was amazing in guiding us and helping us in every step of the way! If I could give her more stars I would. She … More

The whole process was smooth, well communicated between all parties, and a service I would use again. Thank you.