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Lower your monthly payments or access your home equity with our refinancing options.
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Proudly serving clients across Minnesota and Wisconsin.
I understand that buying or refinancing a home is one of the most significant financial decisions my clients will make. That's why I'm committed to giving my team the knowledge, resources, and support they need to guide borrowers through the mortgage process with confidence and attention to every detail.
With extensive experience across all facets of mortgage lending, I can help my team navigate everything from first-time home purchases to refinancing and complex financing needs. My expertise includes Conventional, Jumbo, FHA, VA, USDA, and Renovation loans.
I stay current on financial and housing-market trends, mortgage guidelines, and state and federal regulations so I can serve as a trusted resource for my team and our clients. My goal is to ensure our clients receive more than just a loan—they receive informed guidance and the most competitive financing solution for their unique needs.
Rating: 5.0 out of 5.0 from Encompass Mud makes every transaction a smooth transaction My buyers definitely appreciate working with a trusted and always accessible lender. BeverlySavage, MN Aug 17
Mud makes every transaction a smooth transaction My buyers definitely appreciate working with a trusted and always accessible lender.
Rating: 4.5 out of 5.0 from Encompass Easy to talk answered questions i had if I had any concerns thanks mud. Catherine JeanAurora, MN Aug 11
Easy to talk answered questions i had if I had any concerns thanks mud.
Rating: 4.8 out of 5.0 from Encompass Friendly, responsive, knowledgeable, MelanieBurnsville, MN Jul 07
Friendly, responsive, knowledgeable,
Rating: 5.0 out of 5.0 from Encompass Mud was there every step from answering my questions to helping me get the loan it was wonderful working with his team. JackieTwo Harbors, MN Jun 05
Mud was there every step from answering my questions to helping me get the loan it was wonderful working with his team.
Rating: 5.0 out of 5.0 from Encompass Mud and team were very responsive and helpful. LauraSavage, MN Jun 05
Mud and team were very responsive and helpful.
Rating: 4.2 out of 5.0 from Encompass The team was quick to respond and on top of everything. I appreciate working with this team it made closing for our client so smooth. HeatherTwo Harbors, MN Jun 05
The team was quick to respond and on top of everything. I appreciate working with this team it made closing for our client so smooth.
Rating: 5.0 out of 5.0 from Encompass All the steps of purchasing a house can be confusing. I knew I could reach out to Mud and team with any questions. JoshSavage, MN Jun 02
All the steps of purchasing a house can be confusing. I knew I could reach out to Mud and team with any questions.
Rating: 5.0 out of 5.0 from Encompass Communication from Mud was timely and he was always willing to answer questions Lynette Marie JonesApple Valley, MN May 19
Communication from Mud was timely and he was always willing to answer questions
Rating: 5.0 out of 5.0 from Encompass .I finally got my house :) LisaLonsdale, MN May 13
.I finally got my house :)
Rating: 5.0 out of 5.0 from Encompass Mud was great to work with and very timely with all communication. JenniferLonsdale, MN May 13
Mud was great to work with and very timely with all communication.
Rating: 5.0 out of 5.0 from Encompass Very responsive when we had questions, the signing process was very efficient. AmySt Croix Falls, WI May 11
Very responsive when we had questions, the signing process was very efficient.
Rating: 4.8 out of 5.0 from Encompass If you're navigating the mortgage process — especially in a market as unpredictable as this one Christopher is exactly who you want in your corner. From start to finish, he made what could have been a stressful experience feel completely manageable. Communication was outstanding throughout. He was always responsive, proactive about updates, and... AndrewSt Croix Falls, WI May 11
If you're navigating the mortgage process — especially in a market as unpredictable as this one Christopher is exactly who you want in your corner. From start to finish, he made what could have been a stressful experience feel completely manageable. Communication was outstanding throughout. He was always responsive, proactive about updates, and...
Rating: 5.0 out of 5.0 from Encompass Mud is "on it". I's dotted, T's crossed and a great communicator. ChristopherVictoria, MN Apr 28
Mud is "on it". I's dotted, T's crossed and a great communicator.
Rating: 5.0 out of 5.0 from Encompass Good communication. MohibullahVictoria, MN Apr 28
Good communication.
Rating: 4.8 out of 5.0 from Encompass Professional and caring people who answered my questions about the refinancing process any time I called them. It was a smooth process for me ! Carolyn MEVANSVILLE, WI Apr 10
Professional and caring people who answered my questions about the refinancing process any time I called them. It was a smooth process for me !
Rating: 5.0 out of 5.0 from Encompass Mud's communication is very great, straight to the point and easy to understand anytime i had any questions he was quick to answer and always willing to help JansenRobbinsdale, MN Apr 08
Mud's communication is very great, straight to the point and easy to understand anytime i had any questions he was quick to answer and always willing to help
Rating: 5.0 out of 5.0 from Encompass Mud made everything smoothly for me, explained things the way I can understand it, very quick to respond, even when things weren't great on his personal life! I realy appreciate and definitely work with Mud again and recommend him to all my friends! Rahel TeferaCottage Grove, MN Mar 24
Mud made everything smoothly for me, explained things the way I can understand it, very quick to respond, even when things weren't great on his personal life! I realy appreciate and definitely work with Mud again and recommend him to all my friends!
Rating: 5.0 out of 5.0 from Encompass Mud always provides exceptional advice, is very available, and stays on top of the transaction for a smooth close. Clients love working with him and so do we! JenniferRogers, MN Mar 09
Mud always provides exceptional advice, is very available, and stays on top of the transaction for a smooth close. Clients love working with him and so do we!
Rating: 4.8 out of 5.0 from Encompass Quick communication and great teamwork Erick OengaAndover, MN Jan 29
Quick communication and great teamwork
Rating: 5.0 out of 5.0 from Encompass great communication AdreaCambridge, MN Jan 22
great communication
Rating: 5.0 out of 5.0 from Encompass It was just easy and breezy Alisia AnnSaint Paul, MN Jan 22
It was just easy and breezy
Rating: 5.0 out of 5.0 from Encompass Mud is very straightforward and up front about things. Other lenders trying to earn our business failed to give key fee information up front. We have worked with Mud twice now and find him very trustworthy and his team works quickly and efficiently. DonnaNorth Branch, MN Jan 16
Mud is very straightforward and up front about things. Other lenders trying to earn our business failed to give key fee information up front. We have worked with Mud twice now and find him very trustworthy and his team works quickly and efficiently.
Rating: 4.8 out of 5.0 from Encompass Fast communication. Dang ThuyLittle Canada, MN Jan 12
Fast communication.
Rating: 5.0 out of 5.0 from Encompass As a first time homebuyer it was very helpful having everything clearly explained to me so I could understand the process along with feeling supported throughout. SarinaEden Prairie, MN Dec 26
As a first time homebuyer it was very helpful having everything clearly explained to me so I could understand the process along with feeling supported throughout.