HOME LENDER TEAM
Helping Families Finance Their Dream Home
With over 25 years of experience, our team helps homebuyers find the right mortgage solutions, loan programs, and down payment assistance options. Whether you’re buying your first home or your next home, we’re here to guide you every step of the way.
Why Choose Our Team?
With over 25 years of experience, our team is dedicated to helping individuals and families find not just a house, but a place to truly call home. We understand that every buyer’s situation is unique, which is why we take the time to match you with the right loan programs, financing options, and guidance for your specific needs.
Whether you’re a first-time homebuyer, moving into your forever home, or exploring your next chapter, we’re here to make the process simple, personal, and stress-free. Our goal is to help you feel confident every step of the way — from pre-approval to closing day.
We believe everyone deserves the opportunity to own a home, and we’re committed to helping you find the right path to get there.
25+
Years of Experience
1000+
Families Helped
100+
Loan Programs Available
100%
Personalized Experience
Home Financing Solutions
Mortgage Programs Designed for Every Homebuyer
Conventional Loans
Competitive financing options for primary residences, second homes, and investment properties.
Refinance Loans
Lower your payment, shorten your loan term, or access home equity through refinancing.
VA Loans
Exclusive benefits for eligible veterans, active-duty service members, and military families.
FHA Loans
Flexible credit and down payment requirements that make homeownership more accessible.
First-Time Home Buyer Loans
Guidance, education, and financing options designed to help you purchase your first home with confidence.
Down Payment Assistance
Explore programs that may help reduce the upfront costs of buying a home.
Trusted Mortgage Experts
Financing Solutions Designed Around Your Goals
Whether you’re buying your first home, upgrading to a larger home, refinancing, or exploring investment opportunities, our team is here to guide you every step of the way. With over 25 years of experience, we help families find the right mortgage programs, competitive rates, and personalized financing solutions.
Helping Families Move Forward
Buying a home is one of life’s biggest milestones. Our mission is to make the mortgage process simple, stress-free, and tailored to your family’s unique needs.
✓ Personalized Mortgage Guidance
✓ Competitive Loan Programs
✓ Honest Advice & Education
✓ Local Expertise You Can Trust
✓ Support From Application to Closing
Your Home Buying Journey
From Dreaming About a Home to Getting the Keys—We’re With You Every Step of the Way
Buying a home doesn’t have to feel overwhelming. Our experienced team will guide you through each step of the mortgage process, answer your questions, and help you find the loan that’s right for you—whether you’re buying your first home or your forever home.
Step 1: Get Pre-Approved
Meet with one of our mortgage experts to discuss your goals, review your finances, and determine how much home you can comfortably afford. A pre-approval gives you confidence as you begin your home search.
Step 2: Find Your Dream Home
Work with your real estate agent knowing you’re already pre-approved. Once you’ve found the perfect home, we’ll guide you through the financing process and keep everything moving smoothly.
Step 3: Close & Celebrate
We’ll coordinate with all parties, finalize your loan, and walk you through closing day. Before you know it, you’ll be holding the keys to your new home.
Meet Your Mortgage Team
Helping Homebuyers Across the U.S. Finance Their Future.
Sheryl Nelson
Mortgage Loan Officer
NMLS 404492
Sheryl Nelson
With more than 25 years of mortgage lending experience, Sheryl has helped thousands of individuals and families achieve homeownership. She specializes in finding the right loan programs for every situation—from first-time homebuyers to experienced homeowners looking to refinance or invest. Her commitment to exceptional service and personalized guidance has earned the trust of clients across the country.
Phone: (952) 220-8605
Email: Sheryl.Nelson@granitebank.com
Licensed to serve clients across the United States
Christin Miller
Christin is dedicated to providing every client with a smooth and enjoyable mortgage experience. She works closely with borrowers throughout the loan process, ensuring questions are answered promptly and every step is handled with care. From the first conversation to closing day, Christin is committed to delivering exceptional customer service and helping clients feel confident in their home financing journey.
Phone: (952) 688-6588
Email: Christin.Miller@granitebank.com
Christin Miller
Mortgage Consultant
NMLS 2811570
Homebuyer Learning Center
Everything you need to know before buying, refinancing, or financing your next home.
First-Time Home Buyer Guide
Learn the entire home buying process from pre-approval to closing.
Down Payment Assistance
Discover programs that may help reduce your upfront costs.
Mortgage Calculator
Estimate your monthly payment, taxes, and insurance in minutes.
Improve Your Buying Power
Simple steps to improve your credit and qualify for better loan options.
What Our Clients Say
Testimonials
Pete B.
“Sheryl was very informative and helpful throughout the loan process. It was quick and easy with little stress.”
Calvin S.
“We had an amazing experience! Sheryl went above and beyond to ensure our mortgage and finance experience went flawlessly. We truly appreciate everything Sheryl did for us!”
Charles A. D.
“States and miles away this team, Sheryl, made the prochess easy. And each question I had, or guidance, Sheryl and tean team were there. An amazing experience, thank you!”
Andrew M.
“Sheryl was very polite,professional, and knowledgeable with every interaction I’ve had throughout the whole home buying experience and she made things easy to understand and always replied to any questions I had very promptly. Would definitely recommend.”
Request a Call
Ready to Buy a Home? Contact us here
Homebuyer Resources
Frequently Asked Mortgage Questions
The amount depends on the loan program. Some conventional loans require as little as 3% down, FHA loans start at 3.5%, VA loans may require no down payment for eligible veterans, and USDA loans may also offer 100% financing in qualifying rural areas. We can help you determine which option fits your situation.
Many homebuyers qualify with credit scores lower than they expect. Loan requirements vary depending on the program, and we’ll help you explore the options available based on your credit profile.
Most home loans close within 30–45 days, though timelines can vary depending on the loan type and documentation. We’ll guide you through each step and keep you informed throughout the process.
Yes. Self-employed borrowers can qualify using tax returns, bank statements, or other documentation depending on the loan program. We work with many self-employed clients and can help you understand your options.
Our team helps homebuyers across the United States. Contact us to discuss your location and we’ll let you know which loan programs are available in your state.
Getting pre-approved is simple. Contact our team to complete a mortgage application, provide a few financial documents, and we’ll help determine how much home you can comfortably afford before you start shopping.