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Hackensack, MN

The Best Mortgage Lenders in Hackensack, MN

Compare verified mortgage lenders serving Hackensack, Minnesota. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.

3
Top Lenders
4.8
Avg Rating
950+
Reviews
10
Loan Types

Available Loan Programs in Hackensack

Conventional
FHA
VA
USDA
Jumbo
Refinance
First-time Homebuyer
Construction
Investment Properties
ARM

Featured Mortgage Lenders

1

Affinity Plus Federal Credit Union

Affinity Plus Federal Credit Union

★★★★☆
4.8/5

Affinity Plus Federal Credit Union stands out as one of Minnesota's most trusted mortgage lenders with deep roots across the state, including service to the Hackensack area. As a member-owned financial cooperative, they offer highly competitive rates and personalized service. Their mortgage advisors provide comprehensive guidance through the entire home buying process, with special programs for first-time homebuyers and flexible loan options. With exceptional customer satisfaction ratings and local expertise in Minnesota's unique housing markets, they deliver a community-focused approach that larger national lenders often lack.

Experience:90+ years
Reviews:450 customer reviews
175 W Lafayette Frontage Rd, St. Paul, MN 55107

Loan Types:

ConventionalFHAVAUSDAJumboRefinanceFirst-time Homebuyer
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2

The Mortgage Company

The Mortgage Company

★★★★☆
4.9/5

The Mortgage Company has built an outstanding reputation across northern Minnesota, including reliable service to the Hackensack community. As a locally-owned and operated mortgage broker, they leverage relationships with multiple lenders to secure the best possible terms for borrowers. Their team of experienced loan officers provides personalized attention and deep knowledge of rural and recreational property financing, which is particularly valuable in the Hackensack lakes area. Customers consistently praise their responsiveness, transparency, and ability to close loans efficiently even in complex situations.

Experience:25+ years
Reviews:200 customer reviews
402 W Superior St, Duluth, MN 55802

Loan Types:

ConventionalFHAVAUSDAConstructionRefinanceInvestment Properties
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3

Bell Bank Mortgage

Bell Bank Mortgage

★★★★☆
4.7/5

Bell Bank Mortgage brings strong regional presence and exceptional customer service to the Hackensack area through their comprehensive mortgage services. As one of the Upper Midwest's largest independently-owned banks, they combine the resources of a major financial institution with the personal touch of a community bank. Their "Pay It Forward" philosophy extends to mortgage customers through outstanding service and competitive products. With expertise in both primary residence and vacation property financing, they're well-equipped to serve the unique needs of Hackensack homebuyers in the heart of Minnesota's lake country.

Experience:55+ years
Reviews:300 customer reviews
17525 Highway 7, Minnetonka, MN 55345

Loan Types:

ConventionalFHAVAUSDAJumboARMRefinanceConstruction
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Frequently Asked Questions

Common questions about mortgage lending in Hackensack, MN

What are the current mortgage rates like in Hackensack, MN?

Mortgage rates in Hackensack typically align with national averages but can vary based on local lender competition and property types. Given Hackensack's location in Cass County with many lakefront properties, rates for vacation homes may be slightly higher than primary residences. It's best to check with local credit unions like First National Bank North or Lake Country Bank for current rate quotes.

Are there any special mortgage programs for first-time homebuyers in Hackensack?

Yes, Hackensack homebuyers can access Minnesota Housing's First-Time Homebuyer Program, which offers competitive interest rates and down payment assistance. Additionally, Cass County may have local programs for moderate-income buyers, particularly helpful given Hackensack's mix of year-round residents and seasonal property owners. Many local lenders are well-versed in these programs.

How does Hackensack's seasonal tourism economy affect mortgage lending?

Hackensack's tourism-driven economy can impact mortgage applications for those in seasonal employment. Lenders may require two years of consistent seasonal income documentation and look for off-season employment or multiple income streams. Self-employed individuals in tourism-related businesses should maintain detailed financial records to demonstrate stable annual income.

What should I know about getting a mortgage for a lakefront property in Hackensack?

Lakefront properties in Hackensack often require additional considerations like higher down payments (sometimes 20% or more) and specialized appraisals that account for waterfront value. Lenders may also require additional inspections for seawalls, docks, or shoreline conditions. Insurance costs for flood coverage can affect your debt-to-income ratio calculations.

Are there local property tax considerations that affect mortgages in Hackensack?

Hackensack property taxes are generally reasonable for Minnesota, but lakefront properties typically have higher assessments and taxes. Your mortgage lender will factor in these tax obligations when calculating your monthly payment and debt-to-income ratio. Cass County also offers various homestead exemptions that can reduce tax burdens for primary residences.

Nearby Cities

Explore mortgage lenders in cities near Hackensack, MN

Why Choose a Mortgage Lender in Hackensack?

Local Market Knowledge

Lenders who understand Hackensack's housing market can offer better guidance and competitive rates.

Multiple Loan Options

Access to conventional, FHA, VA, USDA, and jumbo loans tailored to your financial situation.

Proven Track Record

Work with lenders who have years of experience and hundreds of satisfied customers in Minnesota.

Ready to Find Your Perfect Mortgage Lender?

Connect with top-rated mortgage professionals in Hackensack and get competitive rates on your home loan.