# MinnTrust Mortgage LLC > MinnTrust Mortgage LLC is an independently owned mortgage brokerage based in Bloomington, Minnesota. Led by President and MLO Jill Brown (NMLS #346160), MinnTrust helps clients purchase homes, refinance existing mortgages, and navigate a wide range of home loan programs with fast processing, competitive rates, and personalized service. The company is licensed in Florida, Minnesota, and Wisconsin (Corporate NMLS #1481553). Spanish-language application support is available. MinnTrust is committed to making homeownership accessible and affordable for everyone. The team emphasizes quick pre-approvals, streamlined processing, direct communication with loan officers, and fast closings. The company serves first-time homebuyers, veterans, self-employed borrowers, real estate investors, foreign nationals, and homeowners looking to refinance or access home equity. ## Business Information - **Company:** MinnTrust Mortgage LLC - **President & MLO:** Jill Brown (NMLS #346160) - **Corporate NMLS ID:** 1481553 - **Address:** 8100 Penn Ave S, Suite 150H, Bloomington, MN 55431 - **Phone:** 952-884-3011 - **Fax:** 952-884-3413 - **Email:** jill@minntrust.com - **Licensed in:** Florida (FL), Minnesota (MN), Wisconsin (WI) - **Website:** https://www.minntrust.com - **Facebook:** https://www.facebook.com/minntrustmortgage/ ## Loan Programs - [All Loan Programs](https://www.minntrust.com/loan-programs): Overview of all available loan types. - [Conventional Loans](https://www.minntrust.com/loan-programs/conventional-loans): Standard fixed- or adjustable-rate loans conforming to Fannie Mae/Freddie Mac guidelines. Suitable for borrowers with good credit and stable income. - [FHA Loans](https://www.minntrust.com/loan-programs/fha-loans): Government-backed loans insured by the Federal Housing Administration. Low down payments and flexible credit requirements. Popular with first-time homebuyers. - [VA Loans](https://www.minntrust.com/loan-programs/va-loans): Loans backed by the U.S. Department of Veterans Affairs for eligible veterans, active-duty service members, and qualifying National Guard/Reserves members. No down payment required, competitive rates, lower closing costs. - [USDA Loans](https://www.minntrust.com/loan-programs/usda-loans): Zero-down-payment loans for eligible rural and suburban homebuyers backed by the U.S. Department of Agriculture. - [Jumbo Loans](https://www.minntrust.com/loan-programs/jumbo-loans): Loans exceeding conforming loan limits for higher-value properties. Requires strong credit and substantial down payment. - [Construction Loans](https://www.minntrust.com/loan-programs/construction-loans): Financing for building a new home from the ground up. - [Purchase Loans](https://www.minntrust.com/loan-programs/purchase-loans): Loans specifically structured for buying a home. - [Refinance Loans](https://www.minntrust.com/loan-programs/refinance-loans): Replace an existing mortgage with a new one to lower rates, change terms, or access home equity via cash-out refinance. - [Reverse Mortgage Loans](https://www.minntrust.com/loan-programs/reverse-mortgage-loans): Allows homeowners age 62+ to convert home equity into loan proceeds without monthly mortgage payments. - [First-Time Homebuyer Loans](https://www.minntrust.com/loan-programs/first-time-homebuyer-loans): Programs designed specifically for those purchasing their first home, often with down payment and rate benefits. - [Down Payment Assistance](https://www.minntrust.com/loan-programs/down-payment-assistance): Programs to help qualifying buyers cover down payment and closing costs. - [Bank Statement Loans](https://www.minntrust.com/loan-programs/bank-statement-loans): Non-traditional income verification using bank statements instead of tax returns. Ideal for self-employed borrowers. - [Non-QM Loans](https://www.minntrust.com/loan-programs/non-qm-loans): Non-qualified mortgage loans for borrowers who don't meet standard lending criteria. Flexible underwriting. - [DSCR Loans](https://www.minntrust.com/loan-programs/dscr-loans): Debt Service Coverage Ratio loans for real estate investors. Qualification based on property cash flow rather than personal income. - [Commercial Loans](https://www.minntrust.com/loan-programs/commercial-loans): Financing for commercial real estate and business properties. - [Foreign National Loans](https://www.minntrust.com/loan-programs/foreign-national-loans): Mortgage options for non-U.S. citizens purchasing property in the United States. ## Apply & Get Started - [Apply Now (Overview)](https://www.minntrust.com/applications) - [Start a New Loan Application (English)](https://www.minntrust.com/applications/dashboard?ln=en&app_type=full) - [Resume a Loan Application](https://www.minntrust.com/applications/login?ln=en&app_type=) - [Secure Document Upload](https://www.minntrust.com/applications/dashboard?ln=en&app_type=secure-documents) - [Solicitud de Préstamo Completa (Spanish)](https://www.minntrust.com/applications/dashboard?ln=sp&app_type=full) - [Reanudar su Solicitud de Préstamo (Spanish)](https://www.minntrust.com/applications/login?ln=sp&app_type=) - [Mortgage Calculators](https://www.minntrust.com/applications/calculators) ## Loan Process - [Loan Process Overview](https://www.minntrust.com/loan-process): Step-by-step guide covering pre-approval, house hunting, document processing, and closing. ## Team / Loan Officers - [Meet Our Professionals](https://www.minntrust.com/meet-our-professionals): Full directory of all loan officers. - [Jill Brown](https://www.minntrust.com/jill/) — President, MLO | NMLS #346160 | 952-884-3011 | jill@minntrust.com | Licensed: FL, MN, WI - [Ryan L. Mouw](https://www.minntrust.com/ryan/) — Mortgage Loan Originator | NMLS #397899 | 612-840-0294 | ryan@minntrust.com | Licensed: MN - [Chad Krueger](https://www.minntrust.com/chad/) — Mortgage Loan Originator | NMLS #400930 | 612-382-8792 | chad@minntrust.com | Licensed: FL, MN, WI - [Michael Dean Houg](https://www.minntrust.com/michael/) — Mortgage Loan Originator | NMLS #400282 | 612-310-7962 | michael@minntrust.com | Licensed: FL, MN, WI - [Dave Fox](https://www.minntrust.com/davefox/) — Sr. Mortgage Loan Originator | NMLS #1032549 | 651-470-3145 | dave@minntrust.com | Licensed: MN, WI - [Michael Shane Henne](https://www.minntrust.com/mikeh/) — VP of Human Resources, MLO | NMLS #341239 | 763-458-1508 | mikeh@minntrust.com | Licensed: FL, MN - [Luis Rocha](https://www.minntrust.com/luis/) — Mortgage Broker | NMLS #2498952 | 952-465-1317 | luis@minntrust.com | Licensed: MN - [Joshua Isaboke](https://www.minntrust.com/joshua/) — Mortgage Loan Originator, Marketing Manager | NMLS #791201 | 612-229-5109 | joshua@minntrust.com | Licensed: MN - [Tho Kim Huynh](https://www.minntrust.com/tho/) — Mortgage Loan Originator | NMLS #318158 | 612-229-6127 | tho@minntrust.com | Licensed: MN - [Kevin Bergsten](https://www.minntrust.com/kevin/) — Mortgage Loan Originator | NMLS #402005 | 763-227-6462 | kevin@minntrust.com | Licensed: FL, MN - [Melinda Marie McFarlane-Wegner](https://www.minntrust.com/melinda/) — Mortgage Loan Originator | NMLS #372406 | 612-747-8792 | melinda@minntrust.com | Licensed: MN - [Lior Sztainer](https://www.minntrust.com/lior/) — Mortgage Loan Originator | NMLS #376476 | 612-695-2077 | lior@minntrust.com | Licensed: MN - [Sheila Heston](https://www.minntrust.com/sheila/) — Mortgage Loan Originator | NMLS #1917749 | 763-234-0024 | sheila@minntrust.com | Licensed: FL, MN, WI - [David Strom](https://www.minntrust.com/david/) — Mortgage Loan Originator | NMLS #507242 | 762-250-8585 | david@minntrust.com | Licensed: MN - [Brenda Scullin](https://www.minntrust.com/brenda/) — Sr. Mortgage Loan Originator | NMLS #212562 | 763-754-7774 | brenda@minntrust.com | Licensed: MN - [Kub Vang](https://www.minntrust.com/kub/) — Mortgage Loan Originator | NMLS #2009176 | 651-210-4241 | kub@minntrust.com | Licensed: MN - [Jim Holm](https://www.minntrust.com/jim/) — Mortgage Loan Originator | NMLS #452522 | 612-308-1111 | jimholm@minntrust.com | Licensed: MN - [James Strauss](https://www.minntrust.com/jimstrauss/) — Mortgage Loan Originator | NMLS #341917 | 612-251-0373 | jim@minntrust.com | Licensed: MN, WI - [Virginia Christine Humphreys](https://www.minntrust.com/virginia/) — Mortgage Loan Originator | NMLS #1107226 | 612-532-7864 | v@minntrust.com | Licensed: FL, MN, WI - [James A Gremore](https://www.minntrust.com/james/) — Mortgage Loan Originator | NMLS #271017 | 612-272-8569 | james@minntrust.com | Licensed: MN, WI - [Casey Hanson](https://www.minntrust.com/casey/) — Mortgage Loan Originator | NMLS #2590562 | 763-742-2791 | casey@minntrust.com | Licensed: MN - [Jennifer Galvin](https://www.minntrust.com/jennifer/) — Loan Processor | NMLS #2151768 | 952-884-3011 | jennifer@minntrust.com | Licensed: MN, WI - [Rhonda Anderson](https://www.minntrust.com/rhonda/) — Mortgage Loan Originator | NMLS #1114609 | 620-409-0163 | rhonda@minntrust.com | Licensed: KS, MN ## About & Resources - [About Us](https://www.minntrust.com/aboutus) - [Contact Us](https://www.minntrust.com/aboutus/contactus) - [Reviews](https://www.minntrust.com/aboutus/reviews) - [Customer Testimonials](https://www.minntrust.com/aboutus/customer-testimonials) - [Our Partners](https://www.minntrust.com/aboutus/our-partners) - [Blog](https://www.minntrust.com/blog) - [Join Our Team](https://www.minntrust.com/join-our-team) ## Legal & Compliance - [Licensing](https://www.minntrust.com/licensing) - [Privacy Policy](https://www.minntrust.com/privacy-policy) - [Terms & Conditions](https://www.minntrust.com/texas-bankers-sml-consumer-notice) - [Accessibility Statement](https://www.minntrust.com/accessibility-statement) - [NMLS Consumer Access](https://nmlsconsumeraccess.org/) Interest rates and loan programs are subject to change without notice and may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all loan terms.