Northern: Full Service Mortgage Lenders Company

The smartest and easiest way
to get a mortgage

Full mortgage services
No upfront costs
Immediate answers

Full mortgage services No upfront costs Immediate answers

Ask Northern, get a rate. One Text. One Loan officer. One real person helping you achieve your home loan. Let us text you a rate.

Just Text Us

Ask Northern, get a rate. One Text. One Loan officer. One real person helping you achieve your home loan. Let us text you a rate.

Just Text Us

Ask Northern, get a rate. One Text. One Loan officer. One real person helping you achieve your home loan. Let us text you a rate.

Just Text Us

Why Northern?

We live in a digital age, and we all have a phone. Rather than meeting face-to-face, get the answers you need just through texting. Get started on your time and get the answers when you need them – all through the ease of iMessage and Google Chat. It’s just like texting your dad for some mortgage advice.

No chat bots, no hard sells, and no extra downloading apps.

Just Text Us

Why Northern?

We live in a digital age, and we all have a phone. Rather than meeting face-to-face, get the answers you need just through texting. Get started on your time and get the answers when you need them – all through the ease of iMessage and Google Chat. It’s just like texting your dad for some mortgage advice.

No chat bots, no hard sells, and no extra downloading apps.

Just Text Us

Chat with Nikolas

Chat with Andrew

Chat with Justin

Chat with Joseph

How does getting a mortgage
with Northern work?

Just send us a text and we’ll connect you with a licensed Northern Loan Officer. Meet any of the 4 guys above. Meet Nikolas, Andrew, Justin, or Joe and many others, but everyone is ready to help.

Just Text Us

How does getting a mortgage
with Northern work?

Just send us a text and we’ll connect you with a licensed Northern Loan Officer. Meet any of the 4 guys below. Meet Nikolas, Andrew, Justin, or Joe and many others, but everyone is ready to help.

Just Text Us

What is Northern?

We handle your home purchase or your refinance. Northern’s entire loan experience is coordinated and fulfilled through your phone. Don’t let the simplicity fool you. Text us your supporting documents or do your application through our robust and secure platform.

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What is Northern?

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What can we do

for you?

Immediately chat with a fully licensed loan officer who can help you through the mortgage process.

Submit to underwriting with just an ID and paystub.

Pre-approval within minutes

Immediately determine if you can buy the home you’re looking at.

Learn More

What can we do for you?

Immediately chat with a fully licensed loan officer who can help you through the mortgage process.

Submit to underwriting with just an ID and paystub.

Pre-approval within minutes

Immediately determine if you can buy the home you’re looking at.

Learn More

What is Homeowner Certainty?

Remove your MIP or PMI.

No Appraisal

Appraisals are a pain, so we work to receive an appraisal waiver on most files.

Learn More

Streamline Documents

No heavy tax returns, long waiting periods, or asking for dozens of documents.

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14 Day Process

We don’t sit around. We get the work done and close in as few as 14 days.

Learn More

Same mortgage process,

only easier

2-Months Deferred

Our process allows you to defer two months of mortgage payments instead of the standard one. Another perk of Northern Lakes!

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Rate Guaranteed

The biggest fear for any homeowner is rates dropping right after a refinance. We guarantee if rates fall more than 1% within 6-months we will lower your rate at no cost.

Learn More

Appraisal Waivers all the time

Appraisals are a pain, so we structure for an appraisal waiver on most files.

Learn More

What is Homeowner Certainty?

Remove your MIP or PMI.

No Appraisal

Appraisals are a pain, so we work to receive an appraisal waiver on most files.

Learn More

Streamline Documents

No heavy tax returns, long waiting periods, or asking for dozens of documents.

Learn More

14 Day Process

We don’t sit around. We get the work done and close in as few as 14 days.

Learn More

Same mortgage process,
only easier

2-Months Deferred

Our process allows you to defer two months of mortgage payments instead of the standard one. Another perk of Northern Lakes!

Learn More

Rate Guaranteed

Appraisals are a pain, so we structure for an appraisal waiver on most files.

Learn More

Appraisal Waivers all the time

The biggest fear for any homeowner is rates dropping right after a refinance. We guarantee if rates fall more than 1% within 6-months we will lower your rate at no cost.

Learn More

See what our clients
say about us

“Had a great experience with our refi. Nikolas was attentive, knowledgeable and so easy to work with. Deadlines were consistently met, and he always informed us if there were better rates or options we should consider. Thankful for the ease of this refi!”

– Charis

“I had a great experience with Northern Lakes! I reached out looking for a refinance and was a little weary going somewhere else than my original bank, but was pleasantly surprised! The process was very simple, transparent, and Andrew was very adamant on making sure I was updated and informed at every step of the process.”

– Kathey

“Joseph is such a kind and pleasant person to work with. He answered all our questions. Unlike other refinance companies once the closing is over, they forget you. No, Joseph has checked in with me multiple times since closing. Amazing company.”

– Marton

“Andrew was so great to work with. I’m in the mortgage business and I was impressed with his timeliness and how he always let me know what was going on.”

– Andrew

“Best mortgage experience… Andrew made the process seamless, fast and easy. Would recommend to friends and family and will be back…”

– Jessica

“We had the best experience working with Joseph at Northern Lakes Mortgage. He was responsive, kept in touch with us, answered our questions, and was very professional. [We were] pleasantly surprised by the care Joseph put into his work… ”

– Brooke

“We have refinanced our home in the past. We have never ever had such a positive experience. Northern Lakes Mortgage makes your refinance so incredibly easy and fast. I literally had one or two documents to show…Trust them they are safe, fast and honest.”

– Lori

“Northern has been prompt, professional and so delightful to work with. I have received a wealth of knowledge working with them for my loan. I will recommend this company over and over to all my friends and family!”

– Danielle

“Northern explained every step of the process, ensuring I was comfortable from start to finish. They are full of knowledge and a great resource for help getting a home. Would love to work with them again!”

– Adam

4.8 Star Rating Overall