Skip to main content

VA Mortgage Loans in Duluth, MN

No matter what your situation is, there is a VA home financing solution for you. We are ready to guide you through your options and get you the best VA home loan possible!

VA Purchase

Learn More!

VA Refinance

Learn More!

VA Renovation

Learn More!

VA Jumbo

Learn More!
Mortgage Home Loan

How the VA Loan process works

1

Documentation

There are a few critical documents we will need to verify to start your process.  Learn More
2

Appraisal

The appraisal insures the home you are buying is worth the price that is being offered. Learn More
3

Initial Underwriting

The Underwriter will verify that all information is accurate and authentic. Learn More
4

Conditional Approval

Conditional Approval is granted when the Underwriter approves the loan under certain conditions. Learn More
5

Clear To Close

The Underwriter verifies that all documentation has been provided and all conditions have been met. Learn More
6

Closing

Signing the final documentation and receiving the keys to your new home! Learn More

VIEW TODAY’S VA MORTGAGE LOAN RATES INSTANTLY!

All about Duluth, MN

Duluth is a port city in the U.S. state of Minnesota and the county seat of St. Louis County. Located on Lake Superior in Minnesota’s Arrowhead Region, the city is a hub for tourism and cargo shipping. Commodities shipped from the Port of Duluth include coal, iron ore, grain, limestone, cement, salt, wood pulp, steel coil, and wind turbine components. Duluth is south of the Iron Range and the Boundary Waters Canoe Area Wilderness.

Duluth is named after Daniel Greysolon, Sieur du Lhut, the area’s first known European explorer. The population was 86,697 at the 2020 census, making it Minnesota’s fifth-largest city. Duluth forms a metropolitan area with neighboring Superior, Wisconsin. The two cities are commonly called the Twin Ports.

Situated on the north shore of Lake Superior at the westernmost point of the Great Lakes, Duluth is the largest metropolitan area, the second-largest city, and the largest U.S. city on the lake, and is accessible to the Atlantic Ocean 2,300 miles (3,700 km) away via the Great Lakes Waterway and St. Lawrence Seaway. The Port of Duluth is the world’s farthest inland port accessible to oceangoing ships and by far the largest and busiest port on the Great Lakes. The port is among the top 20 U.S. ports by tonnage.

A tourist destination for the Midwest, Duluth has the nation’s only all-freshwater aquarium, the Great Lakes Aquarium; the Aerial Lift Bridge, which is adjacent to Canal Park and spans the Duluth Ship Canal into the Duluth–Superior harbor; and Minnesota Point (known locally as Park Point), the world’s longest freshwater baymouth bar, spanning 6 miles (10 km).[8] The city is also the starting point for vehicle trips touring the North Shore of Lake Superior toward Thunder BayOntarioCanada.

Source: https://en.wikipedia.org/wiki/Duluth,_Minnesota

History of Duluth, MN

The Ojibwe occupied a historic settlement at Onigamiinsing (“at the little portage”), the portage across Minnesota Point between Lake Superior and western St. Louis Bay, which forms Duluth’s harbor.[9] For both the Ojibwe and the Dakota, interaction with Europeans during the contact period revolved around the fur trade and related activities.

According to Ojibwe oral history, Spirit Island, near the Spirit Valley neighborhood, was the “Sixth Stopping Place”, where the northern and southern branches of the Ojibwe Nation came together and proceeded to their “Seventh Stopping Place”, near the present city of La Pointe, Wisconsin. The “Stopping Places” were the places the Native Americans occupied during their westward migration as the Europeans overran their territory.

Source: https://en.wikipedia.org/wiki/Duluth,_Minnesota

Demographics of Duluth, MN

As of the census of 2010, there were 86,265 people, 35,705 households, and 18,680 families residing in the city. The population density was 1,272.5 inhabitants per square mile (491.3/km2). There were 38,208 housing units at an average density of 563.6 per square mile (217.6/km2). The racial makeup of the city was 90.4% White, 2.3% African American, 2.5% Native American, 1.5% Asian, 0.3% from other races, and 3.0% from two or more races and ethnicities. Hispanic or Latino of any race were 1.5% of the population.

There were 35,705 households, of which 24.2% had children under the age of 18 living with them, 37.2% were married couples living together, 11.2% had a female householder with no husband present, 4.0% had a male householder with no wife present, and 47.7% were non-families. 35.1% of all households were made up of individuals, and 12.1% had someone living alone who was 65 years of age or older. The average household size was 2.23 and the average family size was 2.84.

The median age in the city was 33.6 years. 18.5% of residents were under the age of 18; 19.6% were between the ages of 18 and 24; 23.4% were from 25 to 44; 24.8% were from 45 to 64, and 13.8% were 65 years of age or older. The gender makeup of the city was 49.0% male and 51.0% female.

Source: https://en.wikipedia.org/wiki/Duluth,_Minnesota

You may be VA Home Loan Eligible if:

  1. You meet the minimum active service requirements (vary by active-duty dates, wartime & peacetime periods).
  2. 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:

  • $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 - VA home loan specialists are available to step you through the process, NO OBLIGATION.

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 the American military.

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

VA Home Loan Benefits Include:

Purchase your home with 0% down

That's right! You can purchase or refinance at 100% of the home’s value!

01

No monthly mortgage insurance

VA Loans don’t require mortgage insurance no matter how much deposit you put down!

02

Credit scores as low as 560

This means it's possible you will be approved with less than stellar credit!

03

View Today's Actual VA Rates Instantly!

X