Welcome to Homes Mortgage! Lend me your time and I will earn your trust.

What does my commitment to personal service mean to you?

It means that we focus on you and your goals. Anyone can line up a great looking rate for you but we take the time to show you all the other "gotchas" that can overshadow any teaser rate.

Making my clients a part of my family is my only goal, what do they have to say about me?


-Matt, thanks again. It was nice to feel that we had someone on our side. we will definitely recommend Minn. 1 to our friends who are looking for a house.

~Matt and Kara Weigel.
Washington D.C.


-Hi Matt -

Thanks again for handling our refinance so well. You were great to work with and we will definitely look to use you again. Thanks again!

Angie and Vince Wright.
Woodbury, MN

-Hey matt, thank you for everything you have done for me. It will not be forgotten.

Thanks again
Justin Webster.

-I couldn't have asked for a better person to work with when financing our new home. Matt worked with us from start to finish addressing every need and question while finding us the best deal for our situation. Hey was professional, quick, and was able to help us meet a tight schedule imposed by our seller . I will definitely work with Matt again because during the stressful home buying process, I could count on the fact that he'd have our financing ready.

Kevin and Heidi McMurphy.
Hayden, Idaho
Home Purchased Feb. 20, 2004

-You won’t find customer service better than what you get when you work with Matt. With his help, I was able to close on my house within 2 weeks with a great interest rate! He was always available whenever I had a question or concern and is very knowledgeable in the mortgage business. Matt is always personable and honest, always looking out for the client’s best interests. I would highly recommend his service to anyone looking to buy a new home or refinance. You won’t be disappointed.

Phil Royer.
Savannah, GA

"From the very beginning I was made to feel that my needs were paramount to Matt. He literally dropped everything to make sure that my loan was serviced professionally and efficiently, and that the ultimate results would end up being in my best interests. As sometimes happens, the results were not always in our hands, but phone calls and/or emails to Matt delivered immediate and calming results during a period of high stress for me. He kept me informed, and offered reassurance and working solutions more times than I can count. I would recommend Matt to anyone looking for an honest and personable contact."

Susan Hanstad.
Shakopee, MN

"Hi Matt:
A very nice package was delivered to me today from you - lots of goodies - yum yum! Thank you so much and for all your help with my mortgage. Work is well but very hectic with learning a new job, working on new tasks, and tons of training. Take care - stay warm and if I hear of anyone interested in a re-finance or new mortgage - I would be happy to refer them to you!

Kindest regards... "

Donna Anderson.
Woodbury MN

"…..I KNOW I AM your only customer….so I’m sure that is why I am getting such great service !!!!!

Thank you for your assistance in the refi, it’s appreciated"

Paula Lowe
White Bear Lake, MN


"Just wanted to thank you again for all your hard work to make Rose Pohl's closing date. I will be passing your card to my new contacts.
Thanks again Matt,"

Vince Wright
Counselor Realty
Woodbury, MN

" [The loan] went really smooth! Its good to have someone there you can trust... and not just have to take the other guys word for it."

Harry Schroeder.
St. Louis Park, MN

"Matt Royer is professional, up front & honest. We have referred others to him.
We are so happy we chose to refinance and live life more comfortable for us.
Thanks so much"

Michelle & Wayne Westerlund.
Rockford, MN

"Thanks as always for your honesty and help--it means a lot to me."

Tom Reifenberg.
Greendale, WI

"I enjoyed working with Matt. He made the process very easy. He found me a loan for a second house that I wanted to buy for my son who could not get a good interest rate on his own. We got my son into a house and at a reasonable rate. Hopefully my son will buy the house back through Matt when he establishes a credit report on his own."

Rose Pohl.
White Bear Lake, MN

"Matt,

Thank you so much on getting me the deal you did. Isn't trust a wonderful thing? We had just about the whole thing done before even having a phone conversation.

Once again, I want to thank you for your help on this. Let me know if you are passing by this area."

Bhashwat Risal.
Moorhead, MN

"I purchased my first home with the financing that Matt set up for me. He was able to put me into a loan that I was very comfortable with. Thanks to Matt, my mortgage pre-approval and commitment was fast, easy, and accurate. I was able to trust Matt and he was available to answer any and all questions I had. I was quite pleased. I have and will continue to recommend Matt as a great mortgage consultant to work with."

Laurie Steffenhagen.
Inver Grove Heights, MN

"I have to admit, I miss hearing from you Matt and both David and I thank you from the bottom of our hearts for all the hard work and time you put in to get us the best rate and the most out of our home!!!
Thanks again!!!"

Jeanice Scott.
Bristol, WI

"Thanks Matt, for all the information you give us about our loan and it was a pleasure doing business with you and I will tell my family and friends about you.
Brenda"

Brenda Haynes.
Minneapols, MN

"Thank you for the time you took with us.  I would not hesitate to recommend you in the future."

Mara and Reed Johnson
Minneapolis, MN

 "we'll let any of our friends, that are on the market for home financing, know about you.  You've been great at answering all sorts of questions that we've thrown at you.  Your answers are definitely more straight forward than the ones we got from [other lenders]."

Dean and Lisa Seefeld

Marshall, MN

"Thanks Matt! Will certainly recommend you to anyone we know who's looking.
I would love to have the appraisal for my records.

Thanks so much,
-sp"

Scott Petinga and Joanna Pluszcz

Maple Grove, MN

"Dear Matt,
We would like to thank you for all you have done for us, and for your extra effort again, Thank you, Sincerely Michael and Terry"

Michael and Terry Campbell
Deerfield, WI

"Thank you so much Matt! It was great to meet you too! I sincerely appreciate everything you did to make this happen! Have a great day! Hope to see you soon!
Sincerely,
Kara"

Kara Carmody

Saint Paul, MN

At Homes Mortgage our philosophy is simple: We are funding your future and we strive to make the process as inexpensive and effortless as possible. We believe that a big component of providing great service begins with offering the best combination of low rates and low fees tailored to your financial scenario. Call or email me and we can discuss the best options that fit your life choices!