Avoid the hassle and additional cost of closing twice. Refined Lending’s One-Time-Close program allows you to close just once when building your dream home. No need to close again afer completion!

New construction or total teardown


Rate protection for entire term of loan. ability to lock with a signed Purchase Agreement, Plans and Specs.

In-house processing and construction lending team – from application through through underwriting and funding, we ensure a steady and reliable process.

Closing once means only paying one set of closing costs and vou only need 5% down*

* 5% down pavment onlv available for loan amounts under $647,200. Loan amounts $647,200 and above require higher down payment.

Refined Lending is a FDIC Mortgage Bank with 9 locations to best serve the community.  Our experienced team works closely to suggest the perfect mortgage for your unique lifestyle; a payment that fits within your budget.

The choice to work with Refined Lending will make your next move a simple, streamlined and highly rewarding experience. Our in-house products such as new construction, purchases, and refinancing will allow us to assist every homeowner. With Refined Lending, you will work with one team from the pre-approval stage all the way through your final home closing.

Refined Lending partners with highly sought-after real estate agents, and home builders to make sure you get the most current trends and technology, as well as superior products and workmanship.  Look forward to assist you!!

Find Us

9240 Baltimore ST NE #110
Blaine MN, 55449


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Questions about Refined Lending or the lending process? Reach out today!

CIP Disclosure: Important Information about Procedures for Opening a New Account To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account (e.g., establishes a formal relationship by means of a loan application) What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

Refined Lending