In this market the sellers require that all offers are accompanied by a pre-approval letter from a qualified lender. The listing/seller will also investigate, in my cases, the quality of the lender and the completeness and accuracy of the pre-approval.

Listed below are links to an experienced lender of 30 years who offers very competetive rates and timely service.

The programs are presented by Ken Phad, who is
the president and owner of Cities Mortgage.

Take me to a quick approval (how much do I qualify for?)
Take me to a complete, comprehensive pre-approval

Ken Phad

Cell: 612-961-6466
Office: 952-540-6880