Faribault isn't just where I work — it's where I raise my family, shop at the local markets, and watch this community grow. That means I understand the specific challenges of buying a home in Rice County, from first-time buyer programs to refinancing in a changing market.
At Guaranteed Rate, I have access to the tools and products of a national lender, but I provide the personal attention of someone who knows your neighborhood. That combination — local expertise with national strength — is what sets my practice apart.
20+
Years in mortgage lending
100%
Client-first approach
A+
Guaranteed Rate rating
507
Local area code — local presence
Loan Programs
Every homebuyer's situation is different. Your loan should be too.
Whether you're buying your first home, refinancing to lower your payment, or exploring investment options — I'll find the right path forward.
First-Time Home Buyers
The journey to your first home doesn't have to be intimidating. I guide you through every step — from pre-approval to closing — with clear explanations and patient support.
FHA, USDA & Conventional options
Down payment assistance programs
Credit guidance & preparation
Refinancing
Lower your rate, shorten your term, or tap into your home's equity. I analyze your current situation and show you exactly how refinancing could work for you.
Rate-and-term refinances
Cash-out refinancing
Break-even analysis
Jumbo & Non-QM Loans
Larger loan amounts or unique financial situations? I work with jumbo and non-qualified mortgage products to serve clients who don't fit the standard box.
Conform & jumbo financing
Self-employed borrower programs
Asset-based qualification
USDA Rural Loans
Faribault and surrounding Rice County areas qualify for USDA financing — zero down payment, competitive rates, and flexible credit requirements for eligible buyers.
Zero down payment
Rural area eligibility
Income-qualified programs
Rate & Term Options
Fixed-rate stability or adjustable-rate flexibility — I explain the real trade-offs so you can choose the structure that matches your financial goals and timeline.
15, 20 & 30-year fixed
ARM & hybrid options
Discount point analysis
Investment & Multi-Family
Building a rental portfolio or purchasing a multi-unit property? I structure loans that make sense for investment properties, not just owner-occupants.
2-4 unit investment loans
Portfolio growth strategies
Cash-flow analysis support
How It Works
From first call to close — a process designed around your life.
I've streamlined the mortgage process so you always know what's next. No surprises, no confusion, just clear communication at every stage.
We start with a conversation — not a sales pitch. I learn about your goals, your timeline, and your comfort level with homeownership. Then I outline the options that actually fit your situation.
2
Pre-Approval & Strategy
I run your numbers, pull your credit, and get you pre-approved so you know exactly what you can afford. You'll receive a clear breakdown of rates, costs, and monthly payments — no fine print surprises.
3
Loan Processing & Underwriting
Once you have a home under contract, I manage the entire processing and underwriting pipeline. You'll get regular status updates so nothing catches you off guard.
4
Closing & Beyond
At closing, I walk you through every document so you understand exactly what you're signing. And when it's done? I'm still here — for questions, refinancing opportunities, or just to celebrate your new keys.
Client Stories
The relationships matter more than the transactions.
These are real stories from real Faribault-area families who trusted me with one of the most important decisions of their lives.
"We were terrified of the mortgage process. Tammy made it feel like a conversation with a friend, not a interrogation. She found us a rate we didn't think was possible and closed in under 30 days."
M
Michael & Sarah K.
First-time buyers, Faribault
"I refinanced my home during a period when rates were climbing. Tammy walked me through every scenario and helped me lock in at the perfect time. My payment dropped significantly — she literally saved me thousands."
D
David R.
Refinance client, Albert Lea
"As a self-employed borrower, I thought getting a mortgage would be impossible. Tammy found a program that worked with my income structure and got us approved when two other lenders said no."
J
Jennifer T.
Self-employed buyer, Faribault
*Client names have been shortened for privacy. Testimonials shared with permission.
Your next chapter starts with a single conversation.
Whether you're thinking about buying, refinancing, or just exploring your options — I'm here. No pressure, no obligation. Just honest advice from someone who cares about getting it right.
