Refined Lending

9240 Baltimore St. NE #110
Blaine, MN 55449

Mike Arvold- NMLS 616278
[email protected]


Welcome to Refined Lending home of the $22,000 Federal WISH Grant!

Hi! I am Mike Arvold with Refined Lending. I am proud to partner with MERSC. Refined Lending is a locally owned and operated company based out of Blaine, MN. Our reputation in the Twin Cities real market along with our vast product platform sets us apart from the competition.

Refined Lending has helped thousands of  families with mortgage needs such as new home purchases, refinance, renovation, investment property purchase and new construction. Our unique WSH grant offers first time home buyers up to $22,000 in towards closing costs and down payment in the form of a forgivable grant. We strive to offer the highest level of customer service by educating clients and finding the best product to help them meet their financial goals.

I truly appreciate the opportunity to earn your business and am sincerely committed to providing you with an exceptional and pleasant mortgage experience.

Refined Lending Offers:

  1. $22,000 WISH Homeownership Grant
  2. Minnesota Housing MHFA Down Payment Assistance Loans.
  3. Conventional Loans with as little as 3% down payment.
  4. VA Loans with 0% down payment.
  5. USDA Loans/Rural Development Loans with 0% down payment.
  6. Extremely competitive Jumbo Products.

MERSC Program:

  • Offering a .75% Discount on closing costs and waived appraisal fee for Refinance & Purchase! Example a $250,000 loan saves $2,375!
  • MERSC Members CLICK HERE to contact us today!

In today’s purchase environment you need to have an added bonus when making an offer.

The MERSC discount is exclusively with me at Refined Lending and the credits will be applied at closing. You  must be an employee of a MERSC membership affiliate at time of application.

*The loan must close to qualify for this special MERSC discount. All rates and programs subject to change at anytime without notice, not a commitment to lend.