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.
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.
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.

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.
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.
No Appraisal
Appraisals are a pain, so we work to receive an appraisal waiver on most files.
Streamline Documents
No heavy tax returns, long waiting periods, or asking for dozens of documents.
14 Day Process
We don’t sit around. We get the work done and close in as few as 14 days.
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!
Rate Guaranteed
Appraisals are a pain, so we structure for an appraisal waiver on most files.
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.
See what our clients
say about us
4.8 Star Rating Overall




Ready to get started?
There is no “one rate fits all,” which is why we encourage you to contact us.
What services does Northern offer?
How long does this process take?
What makes Northern different from other mortgage companies?