Buy or Refinance Your Home with KTR Loans

Simplifying the buying process for Minnesota homebuyers and investors since 2012

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We pride ourselves on understanding the Minnesota community, offering dedicated, experienced service for your home buying and selling needs.

Not sure where to start?

The home-buying process can raise more questions than answers

Services We Offer

Residential Loans

Typically used for purchasing a primary home or refinancing an existing mortgage. They often have lower interest rates and longer repayment terms compared to other loan types.


Designed for purchasing rental properties or investment properties. These loans may require a higher down payment and have stricter eligibility requirements than residential loans.


used for financing commercial properties such as office buildings, retail spaces, or warehouses. They usually have higher interest rates and shorter repayment terms than residential loans..


Allows homeowners to borrow against the equity in their home for large expenses such as home renovations or debt consolidation. These loans often have variable interest rates and require collateral in the form of the borrower's home.

Don’t Settle For Just Any Loan

"I'm here to help you turn your real estate dreams into reality, whether you're looking for a vibrant community in the Twin Cities or a tranquil retreat on the North Shore. Let's work together to find your perfect home, retreat, or investment property.”

- Kyle, your local Minnesota mortgage broker

Client Testimonials

Mike Parker
Mike Parker
Kyle is extremely knowledgeable and responsive. I appreciated his patience with me, as this was my first home purchase. Highly recommended.
Julie Beckmann
Julie Beckmann
I highly recommend Kyle! He was very professional, kept me in the loop with frequent communication, made sure I understood everything that was happening, and was prompt in his services and delivery. He made the loan process easy and carefree!
Jake Miller
Jake Miller
Kyle is hands down one of the nicest, most thorough loan officers I have shared clients with. His promptness and ability to work so closely with the client has made our transactions seamless. Looking forward to many more experiences with Kyle!
Nathan Betters
Nathan Betters
Kyle is a top notch mortgage expert who will guide you through successful closing!

We've Got You Covered

How it Works

At KTR Loans, we believe that the loan application process should be as simple and stress-free as possible.

Get Pre-Approved

See how an underwritten pre-approval wins more offers than a simple pre-qualification

Review Your Options

Based on your life stage and circumstances, we’ll provide you with your top 3 home loan options

Find Your Dream Home

Head out and find your dream home or investment property, knowing your mortgage is covered

Not all loans are created equal

Choosing the wrong mortgage loan can cost you thousands

The wrong mortgage loan can cost you thousands of dollars more over time. But don’t worry, we are here to help you make the best decision for your financial situation. Schedule a free call today and let’s partner to  make your life easier while saving you money on your mortgage. Contact us now!

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With personalized financial support throughout every process.

Download our Free Guide:

Essential Financial Checklist for Buying Your First Home in Minnesota.