Minnesota, often called the Land of Lakes, offers a diverse and picturesque landscape for homeownership. From the vibrant cities like Minneapolis and St. Paul to the serene lakeside communities of the Northwoods, Local Jumbo understands the unique real estate market in Minnesota. We offer mortgage solutions tailored to this beautiful and varied state.
If you dream of homeownership in the Land of Lakes, connect with our network of Jumbo Verified™ lenders for competitive rates and mortgage plans designed for Minnesota’s diverse real estate.
Crafting Mortgage Solutions for Minnesota’s Diverse Properties
Minnesota’s real estate is as diverse as its landscapes. Our lenders specialize in crafting mortgage strategies that align with the unique architectural styles and locations across the state.
- Explore a variety of mortgage types designed for Minnesota’s diverse properties: ARMs, FHA, VA, Interest-Only, Jumbo, and conforming loans.
- Innovative financing for homes in urban centers, suburbs, and lakeside communities.
- Mortgage plans tailored to Minnesota’s distinctive neighborhoods, from the Twin Cities to the Northwoods.
- Expertise tailored to Minnesota’s unique real estate market, including Land, Construction, Bridge, Cross-Collateralization, and Foreign National loans.
- Competitive rates designed for purchasing or refinancing homes in the Land of Lakes.
Your Mortgage, Your Minnesota Experience
In Minnesota, where the landscapes change from city to countryside to lakeside, your mortgage should enhance your unique Minnesota experience.
2024 MINNESOTA CONFORMING LOAN LIMITS BY COUNTY
| County | One-Unit Limit | Two-Unit Limit | Three-Unit Limit | Four-Unit Limit |
| AITKIN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| ANOKA COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| BECKER COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| BELTRAMI COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| BENTON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| BIG STONE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| BLUE EARTH COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| BROWN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CARLTON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CARVER COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CASS COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CHIPPEWA COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CHISAGO COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CLAY COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CLEARWATER COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| COOK COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| COTTONWOOD COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CROW WING COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| DAKOTA COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| DODGE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| DOUGLAS COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| FARIBAULT COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| FILLMORE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| FREEBORN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| GOODHUE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| GRANT COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| HENNEPIN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| HOUSTON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| HUBBARD COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| ISANTI COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| ITASCA COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| JACKSON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| KANABEC COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| KANDIYOHI COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| KITTSON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| KOOCHICHING COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| LAC QUI PARLE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| LAKE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| LAKE OF THE WOODS COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| LE SUEUR COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| LINCOLN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| LYON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MCLEOD COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MAHNOMEN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MARSHALL COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MARTIN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MEEKER COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MILLE LACS COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MORRISON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MOWER COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MURRAY COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| NICOLLET COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| NOBLES COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| NORMAN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| OLMSTED COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| OTTER TAIL COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| PENNINGTON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| PINE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| PIPESTONE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| POLK COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| POPE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| RAMSEY COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| RED LAKE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| REDWOOD COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| RENVILLE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| RICE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| ROCK COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| ROSEAU COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| ST. LOUIS COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| SCOTT COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| SHERBURNE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| SIBLEY COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| STEARNS COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| STEELE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| STEVENS COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| SWIFT COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| TODD COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| TRAVERSE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| WABASHA COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| WADENA COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| WASECA COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| WASHINGTON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| WATONWAN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| WILKIN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| WINONA COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| WRIGHT COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| YELLOW MEDICINE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
GET YOUR QUOTE TODAY!
SERVING BUT NOT LIMITED TO THE FOLLOWING COMMUNITIES IN MINNESOTA
Neighborhoods
Wayzata, Afton, Excelsior, Eden Prairie, Minnetonka, Chanhassen, Victoria, Marine ON Saint Croix, Long Lake, Mound, Osseo, Loretto, Lake Elmo, Prior Lake & Lakeland.
Zip Codes
55402, 55391, 55356, 55424, 55436, 55439, 55331, 55340, 55347, 55001, 55042, 55127, 55359, 55317 & 55386
Counties
Washington County, Hennepin County, Carver County, Dakota County, Scott County, Olmsted County, Anoka County, Ramsey County, Cook County, Wright County, McLeod County, Goodhue County, Sherburne County, Lake of the Woods County & Dodge County.