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Proudly serving clients across Minnesota and Wisconsin.
I know that buying or refinancing a home is one of the biggest financial decisions that my clients will ever make. That's why I work hard to ensure my team has the resources and know-how to ease borrowers through the loan process, with no detail overlooked.
I have an extensive background in all facets of mortgage lending, so I can advise my team members in any situation, from a first-time home purchase to a refinancing. My expertise includes Conventional, Jumbo, FHA, VA, USDA, and Renovation loans.
I also make a point of keeping up with the latest financial and industry trends, as well as state and federal regulatory requirements, so I can serve as an informed advocate for my team and our clients. I make sure my team will not only get clients a loan, but the most competitive loan for them.
Rating: 5.0 out of 5.0 from Encompass Mud and team were very responsive and helpful. LauraSavage, MN May 26
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 May 26
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 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 May 26
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 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 May 23
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.
Rating: 5.0 out of 5.0 from Encompass Mud was very professional and knowledgeable in the mortgage industry. Taking the time to explain all the options available to us along with his patience for people that are not knowledgeable about the process of originating a mortgage. Giving us his advice on which mortgage best fits our needs made the process simple and easy to under... Lori L.North Branch, MN Dec 19
Mud was very professional and knowledgeable in the mortgage industry. Taking the time to explain all the options available to us along with his patience for people that are not knowledgeable about the process of originating a mortgage. Giving us his advice on which mortgage best fits our needs made the process simple and easy to under...
Rating: 5.0 out of 5.0 from Encompass Very good at communicating and keeping us informed. CoryOgilvie, MN Dec 18
Very good at communicating and keeping us informed.
Rating: 5.0 out of 5.0 from Encompass Mudz is very helpful and does a lot to make sure we get the things done. Very personable and understanding that life can be hectic, at the end of the day he was really patient and helpful with the whole process, and just overall kind. Made this a pretty easy process, and I have shared with other... AnnaMaeCrystal, MN Dec 18
Mudz is very helpful and does a lot to make sure we get the things done. Very personable and understanding that life can be hectic, at the end of the day he was really patient and helpful with the whole process, and just overall kind. Made this a pretty easy process, and I have shared with other...