Mike Hulse: Your Trusted Partner for Home Financing
Individual Mortgage Strategies, For The Individuals We Serve.
Powering homeownership dreams with tailored mortgage solutions.
Meet Mike, your Mortgage Wealth Advisor, for personalized mortgage solutions. Get quick quotes, competitive rates, and top-notch service. Trust Mike for all your mortgage needs.
Some of my clients, our greatest advocates, and their feedback speaks volumes about my commitment to excellence. Your results will vary and may not be typical. As a result of refinancing, your total finance charges may be higher over the life of the loan. Including closing costs or financing loan fees your total finance charges may be higher over the life of the loan. Reduction in payments may reflect longer loan terms and higher interest charges over the life of the loan. Applicant should not assume that any debt will be eliminated by refinancing since the debts are consolidated into a new loan.
Why Choose Mike Hulse?
Experience and Expertise
With over 15 years in the business, Mike is an industry leader in real estate financing.
Personalized Service
Mike values each client and provides personalized service, tailoring solutions to your unique needs.
Competitive Rates
Mike offers highly competitive interest rates to ensure you get the best available deal.
Mike is proud to be an affiliate of Homes for Heroes
Homes for Heroes provides heroes with more savings than any other national program. When heroes buy or sell a home using Homes for Heroes, they also help other heroes in need because Homes for Heroes, Inc. donates a portion of its earnings to the Homes for Heroes Foundation. This Circle of Giving strengthens American communities by putting more money into the hands of our American heroes, and benefits American community programs, organizations and businesses.
Who is Mike Hulse?
With well over a decade of expertise in the mortgage industry, I'm
passionate about making homeownership dreams a reality. As a seasoned
professional, I've proudly facilitated over $100 million in purchases and
refinances across various mortgage types, including FHA, conventional,
USDA, and my personal favorite, VA loans.
My journey began with a foundation in economics from the University of
Minnesota, where I honed my analytical skills and developed a deep
understanding of market dynamics while majoring with a BS in Economics.
Prior to my mortgage career, I ventured into owning real estate, both as my
own personal homes and as investment properties, gaining valuable
insights as a landlord.
Additionally, I established and owned a successful chain of retail nutrition
stores in the Twin Cities area.
Before attending the U of M, I thrived in competitive high school team
sports, lettering in both hockey and soccer at Wayzata High School.
I am “born and raised in Minnesota” married with 3 kids. SKOL! You can
also ask me about my “old USPL powerlifting days”.
Whether you’re buying, selling, refinancing, or building your dream home,
you have a lot riding on your loan officer. Since market conditions and
mortgage programs change frequently, you need to make sure you’re
dealing with a top professional who is able to give you quick and accurate
financial advice.
Are you ready to embark on your homeownership journey? Let's connect
and explore how I can help you achieve your financial goals and unlock the
door to your dream home. Together, we'll turn your vision into reality. Let's make it happen!
Here are a few of the mortgage options Mike offers
Diverse Mortgage Solutions Tailored to Your Needs
VA Home Loan Mortgages
For veterans and active military members exploring homeownership, VA loans present a supportive and adaptable path. Designed to honor their service, these loans facilitate easier qualification criteria, requiring no down payment and not mandating private mortgage insurance (PMI).
USDA Home Loan Programs
The USDA loan, formally recognized as the Rural Development Guaranteed Housing Loan, targets fostering homeownership in rural and suburban areas. It chiefly aims to assist those with low to moderate incomes by offering affordable financing solutions for buying homes in eligible rural locales.
FHA Mortgage Programs
For both newcomers to home buying and those worried about qualifying, an FHA loan provides clear and flexible options. Easy approval processes feature lower credit score requirements and minimal down payment needs, all with attractive interest rates.
Renovation Home Loan Options
Discover our varied selection of financing solutions for renovations, covering everything from updating kitchens and bathrooms to structural fixes and improvements in energy efficiency.
Conventional Home Purchase
Preferred by many aspiring homeowners, conventional loans provide adaptable financing options for eligible individuals, making homeownership more accessible and affordable.
Conventional Refinance Loan
As a property owner, recognizing the value of enhancing affordability is key. Choosing to refinance with a conventional loan allows you to pursue different financial objectives, like lowering your monthly mortgage payments, etc.
Cash-Out Refinance Loan
A cash-out refinance loan is a fresh mortgage that supersedes your existing one and provides you with cash during closing. This money can be allocated for any desired use, including home improvements, settling high-interest debts, or investing in additional properties.
First-Time Homebuyer Mortgage
Starting your first home-buying journey combines excitement and intricacy. Several elements require focus: choosing the best mortgage option, deciding on the perfect down payment, and considering closing costs. Thus, working with an experienced mortgage team is a vital part of this process.
DSCR Home Loan Mortgages
A Debt Service Coverage Ratio (DSCR) loan looks at the cash flow generated from an investment property to qualify for a mortgage instead of personal income. This approach allows lenders to focus on the property's ability to generate income, offering an alternative for borrowers who may not qualify based on traditional income verification methods.
Need Down Payment Assistance?
For first-time buyers and individuals facing financial hurdles to homeownership, down payment assistance programs offer a lifeline. These initiatives provide crucial support through grants or low-interest loans, significantly reducing or even eliminating the need for upfront cash. Tailored to promote accessibility, these programs frequently come with benefits like favorable interest rates and flexible eligibility criteria, empowering more people to make the leap into homeownership with confidence.
Our Online Reputation Precedes Us
Did you have a 5-Star experience with Mike?
If you've recently worked with Mike Hulse on securing your loan and were satisfied with the service you received, he'd be incredibly grateful if you could share your experience! Your feedback not only helps him improve but also assists others in making informed decisions. Leaving a review is quick and easy—just a few minutes of your time can make a huge difference.
Mike's Most Recent Blog Posts!
Woodbury, MN, is a community that supports those who serve our country and community. One of the programs in Woodbury that stands out is the Homes for Heroes loan program, designed to give big benefits to healthcare workers, first responders, veterans, and educators by building homes for heroes.
The Homes for Heroes Program in Bloomington, MN, offers invaluable support to local heroes by helping them achieve their dream of homeownership. This comprehensive guide covers eligibility, benefits, and the application process, making it easier for our heroes to find their perfect home.
Whether you're buying, selling, or refinancing, engaging with a Homes for Heroes participating loan officer can open doors to significant savings for those in qualifying professions. It's an excellent opportunity for anyone in the Apple Valley, MN region, or even family members across the state, to benefit from special discounts and support a worthy charitable cause at the same time.
Whether you’re a veteran purchasing your dream home or a healthcare provider selling your current house, Homes for Heroes can help save you money. The program offers rebates and discounts on services including real estate agent commissions, lender fees, home inspections, and various other related costs. By taking advantage of the resources offered through Homes for Heroes, individuals in the Apple Valley, MN area can easily navigate through the process of real estate, knowing that they have a network of professionals working to help them attain their dream of homeownership.
I don’t think it’s a secret that Homes for Heroes here in Eagan, MN, has been a huge help to our heroes in the area. Whether it’s a law enforcement officer or a healthcare worker, this program allows heroes to connect with a loan officer professional that offers discount services to those interested in purchasing, selling, or refinancing a home. Not to mention it’s also affiliated with the Housing for Heroes project, which is a collaboration to offer transitional and affordable housing to veterans who are homeless. Housing First Minnesota Foundation is a critical part of the process in developing housing opportunities for homeless veterans, and it’s an honor to work with so many organizations that gives veterans and others in need a dignified and worthy place to live. With the Homes for Heroes Foundation that supports transitional housing, and financial support for veterans and others in need, the savings don’t stop at lowered lending fees. If you’re looking to purchase a home in the Eagan, MN area, check out
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