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No Sales. No Pressure. No Obligation.
Our VA Home Loan Specialists are here when you’re ready.

VA Home Loans of MN Brought to you by Refined Landing NMLS #224046 

VA Home Loan
Benefits Include:

  • Purchase Your Home $0 Down

  • No Monthly Mortgage Insurance

  • Credit Scores as low as 560

VA Home Loan Lender Minnesota & Wisconsin

We Specialize in VA Mortgages.

We are here to help you with your VA Home Loan benefits. Our team is built of educated and devoted VA home loan specialists dedicated to quality service. We are proud to work for the men and women who served in the armed forces. Nobody should feel like just a number when taking such an important step in their lives.

America’s Veterans and active duty personnel deserve every benefit they’ve been awarded. We believe it should be easy to take advantage of what they deserve. We take pride in helping Veterans find their home after they’ve come home.

What is a VA Home Loan?

A VA Home Loan is a mortgage loan

guaranteed by the U.S. Department of Veterans Affairs (VA), issued by qualified lenders. The VA Loan program was designed to offer long-term financing to help returning service members buy homes. Eligible American Veterans or their surviving spouses could purchase homes without a down payment or excellent credit.

Home Loans for Veterans & Servicemembers

The VA helps Service members, Veterans, and eligible surviving spouses become homeowners. They provide a home loan guaranty benefit so Veterans can buy, build, repair, retain, or adapt a home for personal occupancy. The VA guarantees a portion of the home loan, enabling a lender such as VA Home Loan MN to provide you with more favorable terms.

VA Home Loan Eligibility

Are you eligible for a VA Minnesota Home Loan?

Our VA home loan Minnesota specialists are here to help you with questions about eligibility and guide you through your VA home loan benefits.

You may be VA Home Loan Eligible if:

  • You meet the minimum active service requirements (vary by active duty dates, wartime & peacetime periods).
  • You are the spouse of an American Veteran and meet the requirements.

To obtain a Certificate Of Eligibility, you must have been discharged under conditions other than dishonorable and meet the service requirements. Our VA home loan Minnesota specialists can help you obtain your Certificate of Eligibility as we go through your VA Home Loan process together.

VA Home Loan Benefits

The VA Minnesota Home Loan has many advantages.

A VA Mortgage is one of the most popular paths to becoming a homeowner. The cost savings can be substantial- A program designed specifically to benefit American military.

VA Home Loan Benefits:

  • $0 Downpayment Option- No downpayment is required for a VA Mortgage.
  • Lower Monthly Payments- Competitive rates and no mortgage insurance bring your monthly costs down.
  • Getting Qualified can be Easier- Qualification guidelines are more flexible than traditional mortgage products.
  • Getting Started is Easy, too- VA home loan specialists are available to step you through the process, NO OBLIGATION.

Why Refined Lending?

Refined Lending has experience working for you.

We are staffed with VA home loan Minnesota specialists who take pride in making your home purchase as smooth as possible because you deserve it.

Working with Refined Lending:

  • Proudly approved to offer VA loans- The Department of Affairs has a strict process required for lending offices offering VA loans.
  • Your Experience- We want you to have a positive experience during this exciting time of your life!
  • Our Processes- Our actual loan processes are easy and efficient.
  • Our Philosophy- It’s simple. You’ve been there for us. Now we want to be there for you.


We are proud to offer VA home loan programs with a home loan process that works to close your loan as quickly and smoothly as possible.


Our fast, streamlined process can lower your monthly payment or even take cash out for your home with minimal effort and no out-of-pocket costs.


We are proud to offer VA home loan programs with a home loan process that works to close your loan as quickly and smoothly as possible.



  • Follow our easy, step-by-step online process to provide your information and submit your application – in minutes

  • Upload all required documentation based on your application – we prompt you along the way
  • Come back at any time and pick up right where you left off

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