NMLS: 351216
220 SE 21st Street, Ste C
Grand Rapids, Minnesota 55744
(218) 244-6390

413 Broadway St Suite B
Alexandria, Minnesota 56308
(218) 244-6390

State Licensing Information: AZ-1040642, MN-MN-MLO-351216, ND-NDMLO351216, SD-351216.MLO

My Reviews

18 Reviews

  1. Craig Hepburn

    Karen did a great job getting us a mortgage and we are very happy with the work she did for us. Thank you for all your help getting us into our dream home. Great job Karen!

    Reply
  2. Nancy Johnson

    Karen was easy to work with and willing to jump through hoops to help us

    Reply
  3. Jeff Schaper

    My wife and I have worked with Karen twice now and she’s always been the best. On top of everything and easy to work with. Thank you again Karen!!

    Reply
  4. Julie Krahmer

    Karen was great to work with. I was very inexperienced and nervous buying my first house. She answered all my questions and I’m now in a house I love.

    Reply
  5. De and Charlie Alvord

    Karen has guided my husband and me through the purchase of two homes and the building of a third over the past many years! She is the kind of person who takes her business seriously. She knows all the details, responds to questions or concerns immediately and, most importantly, watched out for us!!! Her work is impressive and very much appreciated. We recommend her 100%!

    Reply
  6. Tyler Ripplinger

    Karen did a perfect job of helping me get a mortgage. She is very timely and excellent at walking me through the process. Highly recomend

    Reply
  7. Dan Nielsen

    Best there is! I'm a realtor in Northern Minnesota and Karen is always on top of her game and has the best interests of her clients in mind. Her knowledge is second to none! 5 stars all the way!

    Reply
  8. Leah & Rob Hengel

    Karen went above and beyond and we were able to move in to our house in 3 weeks. She is amazing, Thank you!!!

    Reply
  9. Kody Hulbert

    Karen went above and beyond for my loan. I’m 24 and First home ive bought. I had no understanding of the process. She was patient and thorough. I’d recommend her above anyone.

    Reply
  10. Amy

    As a first time home buyer I had no knowledge of the process or how anything worked. Karen was very patient, knowledgeable and kind. She helped me through the entire process an found me the best rates possible. I highly recommend her!

    Reply
  11. Sabrina and Riley

    Working with Karen was the BEST decision we made! Applying for a home mortgage was so intimidating and frustrating at first. Then we were recommended Karen, EVERYTHING was different after that! She was easy to talk to, thorough, kept us up to date on everything going on and anything that was needed! She made this home purchase fun and exciting for us! Now we are in our dream home and couldn’t be happier

    Reply
  12. Kaley Hulbert

    Karen helped navigate everything in the experience of first home buyer. She really looked out for everything and then some and made me feel comfortable along the way.

    Reply
  13. Kody

    Karen has not only once but twice helped us conquer an extremely stressful life step with complete ease. She adapted to our needs as well as you possibly could. An now we are the owners of our dream farm which would not have been possible without her!

    Reply
  14. Levi

    Karen was extremely awesome to work with, would recommend 100%

    Reply
  15. Roxan M Hawkins

    Karen went above and beyond her duties for me. If it hadn't been for Karen I probably wouldn't have got my home! Thank you karen!!

    Reply
  16. Colton B.

    Karen and her team did an amazing job. Closed on a house very fast! Super friendly, trusting, point you in the right direction if you have any questions. Thank you Karen!! I’m loving the new house!!!

    Reply
  17. Jon Olson

    Awesome service and great people to deal with! 👍

    Reply
  18. Terry Lund

    Karen was very professional and helpful with my home loan. I appreciate everything she did to help me through the process!

    Reply

Premier Mortgage Resources Blog

Maximizing Your Home's Curb Appeal

Maximizing Your Home's Curb Appeal

The exterior of your home is the first thing to catch people's attention. A great first impression is vital, whether you're planning to sell your house or merely aiming to be the talk of the town. Enhancing curb appeal not only escalates your home's worth but also...

Mortgage Refinancing: When To Do It and Why

Mortgage Refinancing: When To Do It and Why

A mortgage refinance can be a financially smart choice, though it’s important to make sure it aligns with your unique situation. Let’s look at the details of mortgage refinancing, covering both the potential benefits and possible pitfalls. What Does it Mean to...

Premier Mortgage Resources, LLC is not affiliated with or an agency of the federal government. The material is not provided by, nor has it been approved by the Department of Housing & Urban Development (HUD), the Federal Housing Administration (FHA), or any Government agency.

All information contained herein is for informational purposes only and, while every effort has been made to ensure accuracy, no guarantee is expressed or implied.

This is not an offer to extend credit or a commitment to lend. All loans are subject to underwriting approval. Any programs shown do not demonstrate all options or pricing structures. Not all customers will qualify. Terms, programs, and underwriting policies are subject to change without notice. Some products or loan amounts may not be available in all states. Other restrictions may apply.

Refinances

By refinancing your existing loan, the total finance charge may be higher over the life of the new loan.

100% Financing Programs

The interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for Federal income tax purposes. You should consult a tax adviser for further information regarding the deductibility of interest and charges.

ARM Loans

After the initial fixed-rate period on an Adjustable Rate Mortgage (ARM) loan, your interest rate may increase periodically (annual or semi-annually) according to the market index. If the interest rate resets, your monthly mortgage payment may increase.

Lower Rates

Lower rates typically have higher closing costs in the form of discount points.

About HECM (Reverse Mortgage)

At the conclusion of the term of the reverse mortgage loan contract, some or all of the equity in the property that is the subject of the reverse mortgage no longer belongs to you and you may need to sell or transfer the property to repay the proceeds of the reverse mortgage from the proceeds of the sale or transfer or you must otherwise repay the reverse mortgage with interest from your other assets.

We may charge an origination fee, a mortgage insurance premium, closing costs or servicing fees for the reverse mortgage, all or any of which will be added to the balance of the reverse mortgage loan

The balance of the reverse mortgage loan grows over time and interest is charged on the outstanding loan balance.

You retain title to the property that is the subject of the reverse mortgage until you sell or transfer the property and therefore you are responsible for paying property taxes, insurance, maintenance and related taxes. Failing to pay these amounts may cause the reverse mortgage loan to become due immediately and may be subject to a tax lien or other encumbrance or to possible foreclosure; and

Interest on a reverse mortgage is not deductible from the person’s income tax return until the person repays all or part of the reverse mortgage loan

Reduced Documentation loans (No Doc, No Income/No Asset, Stated Asset, No Ratio)

These products may have higher interest rate, more points or more fees than other products that require more documentation, including income documentation.

Tax Exemption/Deduction

Any statements regarding tax deductions or exemptions are for information purposes only. Always consult a tax advisor regarding your specific tax situation.

Opinions

Any opinions expressed within blogs, videos, podcasts, interviews, presentations, or other online content are solely the opinions of the individual/author and do not represent the opinions or policy of Premier Mortgage Resources, LLC.

PMR is not a course provider and does not provide credits for any CE class.

Texas Complaint-Recovery Fund Notice

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT http://WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT tel:18772765550.

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMNT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEB SITE AT http://WWW.SML.TEXAS.GOV.

Want to learn which mortgage options might be
right for you and your unique financial situation?