Top 3 Mortgage Lenders in Crystal Bay

Andy Karels with CrossCountry Mortgage is one of Minnesota's highest-rated mortgage professionals with nearly two decades of experience. Based in the Twin Cities metro area, he serves clients throughout Minnesota including Crystal Bay. With exceptional 4.9-star ratings across multiple platforms, he's known for his personalized service, competitive rates, and expertise in all loan types. His team specializes in making the mortgage process smooth and understandable, particularly valued by first-time homebuyers and those navigating complex financial situations.

T.J. Waclawski leads one of Fairway's top-performing Minnesota teams, serving the Twin Cities metro and surrounding areas including Crystal Bay. With over 15 years in the mortgage industry and hundreds of 5-star reviews, he's recognized for his exceptional communication, competitive pricing, and comprehensive loan options. Fairway Independent Mortgage, founded in 1996, is a nationally recognized lender with strong local presence, known for their efficient processing and commitment to customer satisfaction.

Chris Schrader with Bell Bank Mortgage brings over a decade of experience serving Minnesota homebuyers, including those in the Crystal Bay area. As part of Minnesota's largest independently-owned bank, Bell Bank offers the stability of a 50+ year institution with the personalized service of a local lender. With strong 4.7-star ratings, they're particularly noted for their competitive jumbo loan programs, construction lending expertise, and exceptional customer service. Their local decision-making and community-focused approach make them a trusted choice for Twin Cities area home financing.