Ben Sobraske | Powered by Edge Home Finance, LLC (NMLS #891464)

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HOME LOANS WITH BEN

Stress-Free Home Loans for Minnesota Homebuyers

Whether you're buying your first home, using your VA benefits, building a new home or planning your next move, I'll help you understand your mortgage options and what comes next.

Who I Help

Mortgage Guidance Built Around You

No two homebuyers have exactly the same situation. Whether you're buying your first home, using your VA benefits, moving into your next home, self-employed or building new, I'll help you understand the financing options that fit your goals.

First-Time Homebuyers

Veterans & Service Members

Move-Up Homebuyers

Buying your first home comes with questions. I'll help you understand your payment, down payment options, loan choices and what to expect from pre-approval through closing.

Understand your VA home loan benefits, financing options and the steps involved in using your VA eligibility to purchase a home.

Buying your next home can involve more moving pieces. We'll look at your current home, future payment and financing options so you can plan the next move with confidence.

Self-Employed Borrowers

Self-employed income doesn’t always fit neatly into a traditional box. I’ll help you explore conventional and different documentation and financing options based on your situation.

New Construction Buyers

Building or buying a new-construction home can involve different timelines and financing decisions. I'll help you understand the mortgage side of the process from planning through closing.

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MORTGAGE OPTIONS

Financing Options for Different Goals

From traditional mortgage programs to options for more specialized situations, I'll help you compare the choices that may fit your goals.

VA & USDA Loans

Conventional, FHA & Jumbo Loans

Eligible Veterans and service members may have access to VA financing, while USDA financing may be available for eligible borrowers and properties in qualifying areas.

Explore traditional financing options for first-time buyers, move-up buyers and borrowers purchasing homes across a wide range of price points.

Alternative Financing Options

Some borrowers or financing needs may call for options beyond traditional mortgage programs. Depending on the situation, options may include bank statement, Non-QM, DSCR and other alternative financing programs.

Also available: Down Payment Assistance • Renovation Financing • Bank Statement • Non-QM • DSCR

A SIMPLE PROCESS

A Clear Path From Conversation to Closing

A stress-free mortgage starts with knowing what comes next. I'll keep the process clear, explain your options and help you stay prepared from our first conversation through closing.

3.

1. Talk

2. Compare

3. Prepare

4. Close

We start with a conversation about your goals, budget, timeline and what you're trying to accomplish. No pressure and no need to have everything figured out first.

I'll review your financing options and help you understand the differences in payment, cash needed, loan structure and other important considerations.

From an accepted offer through closing, I'll help keep you informed about what's happening, what's needed and what comes next.

Once we have a plan, we'll work through pre-approval and the documentation needed so you're prepared for the next step in your home search or purchase.

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SERVING HOMEBUYERS ACROSS MINNESOTA

Minnesota Home Loans With a Local Focus

I help homebuyers throughout Minnesota with mortgage planning and financing options built around their individual goals. My local focus includes Saint Michael and communities throughout the northwest and western Twin Cities metro.

Whether you're buying your first home, moving to your next one, building new or exploring a more specialized financing option, I'm here to help you understand the mortgage side of the decision.

Saint Michael • Albertville • Rogers • Maple Grove • Plymouth • Eden Prairie • Otsego • Robbinsdale • New Hope • Champlin • Buffalo • Minnetonka

And serving homebuyers throughout Minnesota.

MEET BEN

A Mortgage Conversation Built Around You

I'm Ben Sobraske with Home Loans With Ben, powered by Edge Home Finance, LLC.

I believe getting a mortgage should start with understanding your goals, not pushing you toward a particular loan. Whether you're buying your first home, planning your next move, using your VA benefits or working through a more unique financial situation, my goal is to help make the mortgage side easier to understand.

That's what Stress-Free Home Loans means to me: clear communication, straightforward options and knowing what comes next.

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WHAT CLIENTS ARE SAYING

See What Clients Are Saying About Working With Ben

Buying or financing a home is a big decision. See what Ben's clients have shared about their experience, communication and guidance throughout the mortgage process.

Read Ben's Google Reviews

HELPFUL RESOURCES

Answers Before You Make a Big Decision

The mortgage process comes with a lot of questions. These resources are designed to help you understand your options, prepare for homeownership and know what questions to ask along the way.

USE THE CALCULATOR
VIEW THE FAQ
READ HOMEBUYER GUIDES

Mortgage Calculator
Estimate your monthly payment and see how home price, down payment and loan terms may affect your numbers.

Homebuyer FAQ
Get straightforward answers to common questions about financing, credit, down payments, pre-approval and buying a home.

Minnesota Homebuyer Guides
Explore practical articles and resources designed to help you prepare for buying and financing a home in Minnesota.

READY TO TAKE THE NEXT STEP?

Let's Build a Home Loan Plan Around You

Whether you're ready to buy now or simply trying to understand your options, let's talk about what you're trying to accomplish and what your next step could look like.

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