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Now that we’ve moved into our new neighborhood, let our mortgage team help you!

[ST. CLOUD, MN] – Heritage Bank recently opened the doors to a new loan production office in St. Cloud, bringing a progressive, flexible mortgage service to a booming housing market.

Today’s successful mortgage lenders can process online applications fast and efficiently. Going to a bank branch to fill out a paper home loan application is becoming a thing of the past. “Good riddance,” Joyce Middendorf, Mortgage Division Director at Heritage Bank, says. “The old home-buying process was cumbersome and inconvenient.”

However, when homebuyers go totally digital, they lose something valuable. Fully digital transactions can lack the personalized attention from an experienced trusted advisor, partnering with the buyer to answer questions and walk them through the home-buying journey.

Heritage Bank has adopted a different approach to provide homebuyers with the best of both worlds. Consumers start with a great mobile app to handle the entire process, and at Heritage, that technology is backed by a team of local experts to provide guidance and support as needed. “We work on your schedule,” Middendorf says. “Our clients need us in the evenings and on weekends, and we have the tools to accommodate that!”

That approach is working. This year, Heritage will originate over $100 million of home loans, averaging a 48 percent annual growth rate over the past two years, with a significant share of that volume coming from Minnesota communities such as St. Cloud, where Heritage doesn’t have a traditional bank branch.

Heritage Bank already had a presence in St. Cloud with mortgage lenders Julie Velline and Revé Robichon. The new Loan Production Office at 3333 W Division St., Suite 101, St. Cloud, provides an anchor location for them to take business to a whole new level.

“Heritage Bank has a unique model that we believe St. Cloud homebuyers will appreciate,” Heritage Bank CEO Tom Geiger said. “With in-house underwriting and servicing, we are excited to bring our style of residential lending to the market.”

To get started on your journey to homeownership, contact Julie or Revé today!

  • JulieVelline  |  NMLS #400989  |  (320) 214-3943 call/text  |  jvelline@heritagebankna.com
  • Revé Robichon  |  NMLS #1724731  |  (320) 214-3944 call/text  |  rrobichon@heritagebankna.com

ABOUT HERITAGE BANK N.A. Heritage Bank N.A. is employee-owned, with operations in Minnesota, Iowa and South Dakota. Heritage is a key provider for mortgage lending, commercial banking and agricultural banking, as well as deposit products nationwide.

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