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

  • No Ratio Loans

    Mortgage qualification based on credit and reserves — not income or employment.

  • 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.
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

Asset-Based Lending Options

No Ratio loans allow borrowers to qualify without traditional income or employment verification. Instead, eligibility is primarily based on credit score and financial reserves. These programs can be attractive for investors or individuals with complex financial structures who prefer not to provide standard income documentation. Careful evaluation is required to ensure this option aligns with long-term financial goals.
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Interested in asset-based qualification? Let’s review your credit profile and reserve requirements.
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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.