About Erik Kolz
Helping homebuyers in Minnesota, Wisconsin, Arizonia, and Florida buy homes with confidence and without the stress. Hi, I'm Erik Kolz, an Area Sales Manager and mortgage loan officer based in Bloomington, Minnesota, bringing 25+ years of experience in helping clients navigate the home financing process with clarity and confidence. I specialize in working with first-time buyers, self-employed borrowers, investors, veterans, and more across Minnesota, Wisconsin, Arizonia, and Florida, offering tailored loan solutions and a smooth, transparent experience from start to finish. Whether you're: - Buying your first home - Exploring refinancing options - Looking into programs like FHA, VA, Conventional, Jumbo, Non-QM, or Down Payment Assistance I'll walk you through your options and help you choose the right strategy—not just the easiest one. What sets me apart: - Wanting what is best for the client, so the borrower can make a comfortable decision on the best financing option for them - Clear, honest communication—no surprises - Fast, reliable pre-approvals to help you win offers - A hands-on, local approach backed by top-tier technology - A focus on education so you feel confident every step of the way - I truly care. It's a relationship and not a transaction. I am accountable, accurate and accessible! Do you need 20% down to buy a home? No—many buyers qualify with as little as 3–5% down depending on the loan program. What credit score do you need? It varies, but there are options available even if your credit isn't perfect. How much home can you afford? That depends on your income, debt, and goals—I'll help you break it down clearly. I've helped at least 7,500 clients throughout the U.S. secure financing for homes, and I'm proud to be a trusted resource for both buyers and local real estate agents. Clients know me for fast responses, with evenings and weekends availability always an option. Check out my client reviews to see what it's like to work together. I believe this business is about relationships—and being someone people can rely on long after closing. If you're thinking about buying, refinancing, or just want to explore your options, let's connect.
