Lexington Home Loans is a licensed Minnesota mortgage originator serving buyers and homeowners across the Twin Cities and greater Minnesota — with straight answers and programs built for real situations.
Minnesota’s stable, affordability-driven market keeps first-time buyers and refinancers active across the Twin Cities metro and outstate communities. We pair conventional and government programs with the harder-to-place options — self-employed, thinner credit, and investor — so more Minnesotans get to yes.
From first homes to investment properties, the full lineup — and the hard-to-place loans most lenders decline.
Low down payments for primary homes, with options under 20% down.
Government-backed loans down to a 500 FICO where others stop at 580.
Financing above conforming limits for higher-value homes.
Tap equity or lower your rate without touching your first mortgage.
For homeowners 62+, down to a 500 FICO with past mortgage lates OK.
Qualify a rental on its own cash flow — down to a 0.75 ratio.
Self-employed income read from 12–24 months of deposits, no W-2 needed.
Tell us the scenario — commercial inquiries are welcome.
Nine calculators, from payment to investor cash flow.