Financial-planner-level professionalism and a white-glove approach — from multi-million-dollar loans to first-time buyers, with solutions for everyone in between.
Serving Minnesota buyers since 2001 · Ben Coulter, Producing Branch Manager · NMLS #383046 · Supreme Lending NMLS #2129
A former financial planner's eye on every file — market knowledge and sharp analysis your agent can trust.
Responsiveness, hustle, availability. When a listing agent calls, they reach a human — fast.
Rescue loans and tricky files are a specialty. A loan Ben says will close is closing.
*Current offer as of November 2026; subject to change. Ask for details and eligibility.
High-net-worth to first-time homebuyer — the range is the point. Whoever you are, you get the same planner-level analysis and a team that treats your file like family.
Minnesota Housing (MHFA) down payment help, low-down-payment options, and an honest map of every cost before your first tour.
Buy the next home without a home-sale contingency — Supreme Cash Advantage pays cash for the home you're moving out of.
Multi-million-dollar loans handled quietly and precisely, with the documentation discipline complex income demands.
Bank-statement and alt-doc loans that document the income you actually earn — not just what the return shows.
14 in-house DSCR options that qualify the property on its rent, plus a 20%-down portfolio loan with strong fixed pricing.
Reverse mortgages as a retirement-income tool — aging in place with a plan your whole family understands.
Real answers first, detail second — the same way Ben explains it across the desk. Pick your situation and read the full guide.
How much do you really need down? Minnesota Housing pairs an affordable first mortgage with down payment help — and our current MHFA offer includes a free appraisal for first-time buyers.*
Minnesota Housing and local Twin Cities programs can cover down payment and closing costs. What's available depends on your income, price, and the home's community — we verify it live for your address.
We pay cash for the home you're moving out of and finance the new one — so you buy with no home-sale contingency, and your realtor keeps the listing.
Bank-statement and alt-doc loans document the income you actually earn from 12–24 months of statements, so smart tax write-offs don't disqualify a strong borrower.
DSCR loans qualify the rental property on its rent — not your personal income. 14 in-house DSCR options, plus a 20%-down portfolio loan with strong fixed pricing.
FHA 203(k) and HomeStyle let you buy the fixer-upper and roll the work into one mortgage, based on the home's value after the renovation.
For homeowners 62+, a HECM reverse mortgage can turn equity into retirement flexibility — no required monthly payment while you live in the home and keep up taxes, insurance and maintenance.
Denied elsewhere? Many denials are lender overlays, not the real guidelines. “Turn other banks denials into approvals and helping families into homes.”
*Current offer as of November 2026; subject to change. Program terms, amounts, and availability change — confirm current details for your situation on a call.
We map your full picture — goals, income, debts, timeline — and identify every program that fits, including the ones other lenders skip.
Fully documented and underwriter-reviewed where it counts, so your offer reads as low-risk from the first look.
Ben, Niki, Anna and Celena in Edina keep you and your agent updated at every step — no black box, no surprises.
A planning tool, not a quote — plug in your price, down payment and rate and see the estimated monthly payment instantly.
Estimate only, for planning. Taxes and insurance are rough placeholders and vary by property; this is not a quote, a rate offer, or a loan approval. Your exact numbers come from a real conversation.
The goal of every file is the same: a rave review from the person who trusted us with it.
★★★★★“Ben and everyone saved my closing. We had started with another company but at the last moment we had to switch lenders. They got everything done and we closed on time!!”
★★★★★“…fabulous job! [Ben] always has a smile in his voice. He made buying and owning a home a wonderful experience for me. Thank you.”
Deep local roots in the Twin Cities metro — and clients from Rochester to the Brainerd Lakes.
Plain-English answers to the questions Minnesota buyers and realtors actually ask.
The order matters: check your MHFA eligibility, map your real cash-to-close, take the education course early, then get a fully documented pre-approval before you tour.
Sellers don't just pick the highest number — they pick the offer most likely to close. Here's what listing agents actually look for, and how Cash Advantage removes the biggest risk.
Smart write-offs make your return look thin — and traditional lenders read it literally. Bank-statement loans document the income you actually earn.
It depends on the program. Conventional loans can start at 3% down for qualified buyers, FHA at 3.5%, and VA and USDA at 0% for eligible borrowers. Minnesota Housing (MHFA) can help cover down payment and closing costs for eligible buyers, subject to income and purchase-price limits.
Yes. If tax write-offs make your return look lower than your real income, bank-statement and alt-doc loans can document income using 12–24 months of bank statements instead of tax returns. Business owners, freelancers and 1099 earners use this route most often.
Often, yes. Denials are frequently about program fit or file structure, not the borrower. Rescue loans — taking turndowns from other lenders and restructuring them into approvals — are a core part of Ben’s work.
With complete documents, an initial pre-approval conversation can happen the same day and a full pre-approval is often issued within 1–2 business days. Most pre-approvals are good for 60–90 days and can be refreshed as documents update.
A 30-minute Advanced Consult — strategy first, paperwork second. Or start your application online whenever you’re ready.
Ben Coulter · Supreme Lending Midwest5151 Edina Industrial Blvd, Suite 500, Edina, MN 55439 · (612) 384-7818 · NMLS #383046
