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Servicing MN, IA, WI, ND, SD, IN, NM

  • Top Flite Home Loans

    If you’re shopping for a mortgage to buy a home or you're looking to refinance, turn to Top Flite Home Loans.

  • Your Local Mortgage Partner

    From applications and credit analyses that you can complete online to customized loan solutions, we’re committed to providing you with a positive experience.

  • A Hole in One Every Time

    Our highly experienced loan officers can provide you with competitive rates and loan terms.

  • We are here for you!

    We’re here to ensure that your new loan is the right match for your unique situation and long-range financial plans.
Programs and options geared to help you.
See today's rates.
Location
Top Flite Home Loans 1903 Greeley St S.Suite 205Stillwater, MN 55082 Branch NMLS #5356 - Corp NMLS #4181NMLS: MN-ND-WI-#8114 - IA-NMLS #18887 #5358-NMLS #12639-NMLS #41813
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Mon - Fri: 8:30am - 5:30pm Weekends: Closed
Top Flite Home Loans
A HOLE IN ONE EVERY TIME
Buying a home is an exciting and sometimes stressful time in everyone's life. So many decisions. A new home, maybe a new city. You may be changing jobs, starting over or just starting out. You may be refinancing your current mortgage to lower the rate, improve terms or withdraw equity. Either way, the people at Top Flite Home Loans understand what you are going through. That's why we work with you and real estate professionals to make the mortgage process as easy and "painless" as possible. We also want you to feel confident about choosing Top Flite as your mortgage lender. Therefore, we've included a brief guide outlining what makes one mortgage company different from another. And of course, we've included a few good reasons on why you should choose us.
YOUR HOMETOWN MORTGAGE LENDER
Being a hometown lender means we have a stake in our community. We care about what happens to our schools, our neighborhoods and our future. We also expect to see you again as your home financing needs change and grow. Because of that, we'll take a few extra minutes to make sure you understand and are completely comfortable with your mortgage transaction. We are large enough to provide the most advanced products and service technologies available, and small enough to make home loans one customer at a time.
Steve Karfis
Branch Manager
NMLS: MN-ND-WI -#8114 - IA-MLO #18887
A dedicated and passionate mortgage professional with over 15 years’ experience and a desire to make a difference. To ensure you will get the best home loan, I will be your single point of contact throughout the entire loan process, guiding you from pre-approval to closing and everything in between. Please feel free to email me.
Licensed in: MN, IA, WI, and ND
Heather Zimmermann
Assistant Branch Manager
NMLS#5358 - NMLS#12639 - NMLS#41813
Heather has been in the mortgage industry for over 15 years. She has been with Top Flite Home Loans since September of 2007. She has worked as a loan officer, corporate processor and branch manager. Heather prides herself on knowing all of the ins and outs of buying and refinancing homes - from beginning to end - to insure my customers understand the process in it’s entirely. Knowledge is power!
Licensed in: MN, ND, SD, IN, and NM
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Contact
License Information
952-435-0557 Top Flite Home Loans 1903 Greeley St S., Suite 205Stillwater, MN 55082
Branch NMLS #5356 - Corp NMLS #4181NMLS: MN-ND-WI-#8114 - IA-NMLS #18887 #5358-NMLS #12639-NMLS #41813
© 2025 Top Flite Home Loans, Branch NMLS ID # 5356. Branch Address 1903 Greeley St. S, Suite 205, Stillwater, MN, 55082. Corporate Headquarters, 201 School Street, Suite 200, Williamston, MI 48895. Tel (517) 655-2140. Corporate NMLS ID# 4181. Equal Housing Opportunity.
Top Flite Home Loans is not acting on behalf of or at the direction of HUD/FHA or the Federal Government. All information contained herein is for informational purposes and, while every effort has been made to ensure accuracy, no guarantee is expressed or implied. Any programs shown do not demonstrate all options or pricing structures. Rates, terms, programs, and underwriting policies are subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans are subject to underwriting approval. Some products may not be available in all states, and restrictions apply. For licensing information please visit www.nmlsconsumeraccess.org.
Top Flite Home Loans is an Equal Housing Opportunity company. In accordance with the Equal Housing Opportunity Act, Top Flite Home Loans does not discriminate against any applicant on the basis of race, color, religion, creed, national origin, ancestry, sex, marital status, familial status (number and age of children), sexual orientation, age (provided that the applicant has the capacity to enter into a binding agreement) medical history, disability, physical condition, military status; because the applicant has in good faith exercised any right under the Consumer Credit Protection Act or the Service Members Civil Relief Act (SCRA); that all or part of a consumer income derives from a public assistance program, or any other basis prohibited by law.