The smartest and easiest way to get a mortgage

One Day Approval

Don’t wait weeks for a basic approval. We have the fastest and best system to get you approved immediately. 24-Hours or less and we can let you know you are approved.

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. 

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.

Chat with Ciara

Chat with Nikolas

Chat with Joe

Chat with Justin

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 above. Meet Ciara, Nikolas, Joe, or Justin and many others, but everyone is ready to help.

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.

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.

What is Homeowner Certainty?

Remove your MIP or PMI.


Rate Guarantee

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.


Streamline Documents

Mortgages can be difficult, so we try to make it easy. We don’t have heavy document requirements, so no heavy tax returns, long waiting periods, or asking for dozens of documents.


14-Day Process

If speed is your requirement, we have you covered. We don’t sit around. We work hard everyday and do a lot of the heavy lifting for you. We get the work done and close in as few as 14 days. 

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.”

– Josh

“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