Chad Holte at Dylken Home Loans did an absolutely outstanding job handling the financing for our Minnesota lake home purchase. Chad was responsive, knowledgeable, organized, and stayed ahead of every step of the mortgage process. What impressed us most was the speed and efficiency. Chad and the Dylken Home Loans team had our loan cleared to close in only 11 days, which is almost unheard of once underwriting, documentation, appraisal, and all the moving parts of a second-home purchase are involved. Communication was excellent from start to finish. Chad answered questions quickly, kept the underwriting process moving, and made sure everything was in place well before closing. There were no surprises and no unnecessary delays. As a Realtor who has been involved in thousands of real estate transactions, I know how much difference a great lender can make. Chad delivered exactly what you want from a mortgage professional: great communication, fast underwriting, attention to detail, and getting the loan closed. If you’re looking for a Minnesota mortgage lender, lake home mortgage, second-home financing, conventional loan, refinance, or experienced mortgage professional, I highly recommend Chad Holte and Dylken Home Loans. Cleared to close in 11 days — exceptional service. Thank you Chad, B & J
Smart Financing. Personal Service.
Mortgage Broker in Texas, Florida, Minnesota & Colorado
Buying a home, refinancing, or just exploring your options? We walk you through every step with honesty, expertise, and zero pressure.
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Licensed mortgage broker serving Texas, Florida, Minnesota, and Colorado with competitive rates and clear guidance from start to finish.
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Helping first time buyers understand financing, down payment options and what to expect.
Explore First Time Home BuyingMove up strategies, keeping your current home as a rental, bridge options, and timing your purchase.
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What real clients are saying
96 Google & Zillow Reviews
My wife and I had a great experience working with Chad Holt of Dylken Home Loans. He did an outstanding job helping us secure our mortgage. He was always professional and personable, making the entire process smooth and stress-free. Chad consistently answered his phone on the first call or was quick to respond, and he provided several great loan options for us to choose from. Our approval came in less than two weeks, and closing was completed in less than an hour---truly impressive! I highly recommend Chad to anyone looking for a knowledgeable and dependable mortgage broker, and we look forward to working with him again in the future.
By far the Best experience I’ve had with obtaining financing.
PROCESS OVERVIEW
How the Mortgage Process Works
Loan Application
The home loan process starts with a loan application. This is where you provide your income, employment, assets, credit, and financial goals so we have everything needed to evaluate your situation. It's the essential first step before anything else can move forward.
Loan Review
For a purchase, this is where we review your application and issue a pre-approval so you know exactly what you qualify for before house hunting. For a refinance, this is where we evaluate your current loan and financial goals to map out the best path forward.
Rate Lock
Timing your rate lock depends on your situation. For a home purchase, this typically happens once you have an executed purchase agreement in place. For a refinance, we work with you to lock when market conditions align with your goals. We'll help you navigate the right timing either way.
Loan Processing
This is where the behind the scenes work happens. Your loan file is carefully reviewed, the appraisal is ordered, financial information is verified, and all documentation is confirmed complete. We keep things moving so nothing falls through the cracks.
Underwriting
The underwriter takes a thorough look at your full loan file to make sure everything meets lending guidelines. They review income, credit, assets, and property details before issuing a final approval decision. This is the last major hurdle before closing.
Closing
The finish line. For a home purchase, you'll sign your loan documents, funds are transferred, and ownership of your new home is officially recorded. For a refinance, closing is when your new loan terms are finalized and your old loan is paid off. Either way this is the moment all your hard work pays off.
Chad Holte has spent more than 25 years helping people make one of the biggest financial decisions of their lives. What keeps him in this business is not the transactions. It is the impact.
As a Certified Mortgage Advisor (CMA®), a designation earned by fewer than 1% of mortgage professionals nationwide, Chad thinks strategically about how your mortgage fits into your broader financial picture. He is a straight shooter who leads with education, not a sales pitch, and genuinely wants the best outcome for every person he works with.
Frequently Asked Questions
Find answers to what you're wondering about mortgages.
What is a mortgage broker?
Think of a mortgage broker as your personal loan shopper. Instead of being limited to what one bank offers, we work with a wide network of lenders to find the loan program that actually fits your situation. More options, better outcomes, and someone in your corner from start to finish.
How is a mortgage broker different from a bank?
A bank can only offer you what they have on their own shelf. A mortgage broker shops across multiple lenders to find the right fit for your specific goals, credit profile, and financial situation. That means you get real options instead of a take it or leave it offer.
What is a Certified Mortgage Advisor and why does it matter?
A Certified Mortgage Advisor (CMA®) is a designation earned by fewer than 1% of mortgage professionals nationwide. It means your advisor is trained to look beyond just the loan and think strategically about how your mortgage fits into your broader financial picture. Most loan officers close transactions. A CMA helps you make smarter long term financial decisions.
I have no idea where to start. What should I do first?
That's exactly what we're here for. The best first step is a simple conversation. We'll ask a few questions about your goals, walk you through your options in plain English, and help you understand what you can realistically expect before you ever fill out an application. No pressure, no commitment, just clarity.
I was turned down by my bank. Can you still help me?
Possibly yes. Banks have rigid guidelines and can only work within their own programs. As an independent broker we have access to a much wider range of lenders and loan programs including options that banks simply don't offer. Every situation is different but we'll always give you an honest assessment of what's possible.
When should I refinance my mortgage?
Refinancing makes sense when rates drop meaningfully below your current rate, when you want to shorten your loan term, reduce your monthly payment, or access equity in your home. The right timing depends on your specific situation and goals. A quick conversation can help you figure out if the numbers actually work in your favor.
Not Sure Where to Start?
Let's Figure It Out Together.
Whether you're ready to apply or just exploring your options, we're here to help. No pressure, no obligation, just honest guidance.