Awesome and knowledgeable!! I’m so happy with my service from Heidi! She was caring, knowledgeable, detailed, & knew exactly what to do for everything to work out well. I highly recommend working with her!! She is amazing!!! 😊 Misty Cogdill from Plymouth, MN
Misty Cogdill
Plymouth, MN
Heidi Pavelka Rocks! Buying a house is overwhelming, but Heidi makes it easy and manageable. She is incredibly knowledgeable and clearly explains everything. She was there when we had questions and eased our minds when we had any concerns. I felt confident that she had our best interests in mind because of her communication each step of the way. She went above and beyond meeting us at our closing. It was the best experience I've ever had buying a house. Thank you, Heidi!
I would readily and without hesitation recommend Heidi Pavelka as a Mortgage Broker. Heidi Pavelka asked all the right questions to understand our financial situation. She made submitting forms and documents simple and straight forward. She followed up with information and questions quickly. Heidi was very enthusiastic and motivated to provide the services we needed to finance the purchase of a house.
Barbara Sanders
Minneapolis, MN
Hands Down the BEST !My husband and I have bought 3 houses in the past 4 years ! CRAZY I know ! Heidi didn’t bat an eye when we kept trying to figure out the best location , fees-able and best bang for out buck house. She answered calls/emails all hours of the day and weekends too ! If she knew she wouldn’t be available at a certain day or time she would give us a heads up. LOVE her !!!
Caring and Educational! Heidi does a great job making sure we felt cared for. There are no stones left unturned. I felt informed, prepared for next steps, and in good hands.
Alex Williams
Minneapolis, MN
Amazing !!! Heidi was extremely helpful. We loved working with her and she went above and beyond what we ever expected. Whenever we needed a letter for putting an offer in, didn’t matter if it was weekend, she was there. I highly recommend anyone who is looking for a mortgage lender to use her. Thank you again Heidi for everything you did for us!!
There is no one better than Heidi!! Heidi Pavelka is one of the best people for the job! I was terrified about the home buying process and got very discouraged as offer after offer were not accepted. Heidi took the time to explain every step of the process, she got me an AMAZING interest rate, and she made the closing process seamless. Her knowledge of the process, market, rates, and other available options even helped us put in an offer that was accepted and fair. I will definitely use her services again and will refer anyone I know to go to her.
Heather Cooper
St. Michael, MN
Very Knowledgeable! No loan is a "one size fits all"... She is very patient with clients questions and does her best to get the right fit for their specific situation!!!!
Excellent Service! Heidi helped us refi our home and was super helpful, was always pleasant and was wonderful to work with. I highly recommend her (and already have)!
acwjjz from New Brighton, MN
New Brighton, MN
Heidi has been extremely helpful with the home buying process. She is very knowledgeable and always gets back to us right away which has been so important in the current market where homes can go very quickly. Buying a home is a huge decision and she makes it a much less stressful process. We always felt like she was very honest with us and she gave us a lot of great advice to help in purchasing our new home.
Working with Heidi has been a pleasure! Through my experience of working with Heidi, she's always fighting tirelessly to save her clients money while finding us the best terms on the loans. Over time I've come across several of Heidi clients and not a single one has anything to say but praises. It's rewarding to be able to work with such a kind and caring professional.
Thanks Heidi for all that you do.
Greg Morrison
Greg Morrison
Farmington, MN
Heidi helped us manage a refinance while we were overseas. She was the perfect match for us, understood how to navigate the complexity and pioneered a way to help us get documentation in place while we were still overseas. She was attentive, responsive, and inspired confidence. I would highly recommend her without hesitation.
Totally Awesome! Heidi provided me with stellar service from start to finish and even after closing over two years ago she still keeps in touch! Customer Service Excellence is what she offers!
Shunda Hollie
Brooklyn Park, MN
Very Experienced and Knowledgeable! She is helping me with a purchase that I'm doing when my lease is up. She has been a very valuable resource as to what I need to do to get ready for that.
Heidi was very attentive and helpful during our home buying experience. We had a different situation with my wife being a permanent resident compared to a citizen and Heidi was able to walk us through the process and getting everything set up with our mortgage.
Attentive, Detail-Oriented, & Truly Cares! I first met with Heidi in 2017 and was a first time homebuyer. She provided so much insight into the process that I felt like I had a very good understanding of what everything meant and how the process all worked. I unfortunately did not get to work with Heidi then as I opted to build, but we reconnected in 2020 when the interest rates were really good in an effort to refinance. Heidi again (as expected) provided great detail, was very responsive to my inquiries, and provided real-time updates as timing then was a bit uncertain due to the demand. She is very professional, courteous, and demonstrates passion and care for her clients.
Heidi cares deeply about the people she serves. Because she is not affiliated with a specific bank, she is able to find the best price out there for her customers needs.
Susan Gaines
Minneapolis, MN
Heidi did an amazing job. She went above and beyond. She called me on nights and weekends if necessary - she was willing to do whatever it took to get me the best possible mortgage. I was fearing the mortgage process but she made it as smooth as possible.
Tracy Sajady
Victoria, MN
I would recommend Heidi to anyone looking for a mortgage or to refinance. She worked tirelessly for me on a recent home purchase. It was a complicated home purchase. Heidi put in a ton of work to help me get the mortgage and to close on time. Heidi comes with experience and is not afraid to think outside of the box. I appreciate her quick responses and after hour phone calls and emails. She was an amazing part of my real estate team.
Heidi Pavelka is awesome! She made the process easy. Heidi always took time to explain the steps in our home buying experience. This made the process easy. She was also always available for any questions we had through the entire process. She is very knowledgeable. We truly enjoyed working with her and the entire Mortgage staff.
Supportive, Easy, and Overall Amazing Experience! Heidi was absolutely amazing. I am a first time home buyer so this whole process was very new. I would get questions answered immediately and support whenever I needed it. Not only did she set me up with a great mortgage, she helped with my credit, future loan advice, and made the process easy as could be! Would definitely recommend Heidi.
Cassandra Sands
Minneapolis, MN
Heidi cares, and it shows. I can’t even begin to explain how much Heidi means to us as buyers, but also as human beings. We have used Heidi for both of our homes, and both times she has delivered. I don’t think there are impossible scenarios for Heidi, after getting us approved twice, I don’t have a simple enough review to express how phenomenal she’s at what she does. Heidi and her team work around the clock to make sure all documentation is organized and submitted within deadlines. Communication is 10/10, you can most definitely contact me if you think you’ve got someone better than Heidi, I can prove you wrong. If you’re looking at your dream home and you want that dream to come true, just contact Heidi. She made it happen for me not once, but twice
Freddy Saybe
Shoreview, MN
Heidi was very efficient! Heidi did a wonderful job contacting me about the process, explaining how it worked and always returned my emails and phone calls. She always made the effort to get to know us on a personal level as well. Which helped everyone be more comfortable.
Definitely Recommend Heidi Pavelka! Heidi was amazingly helpful with my home loan process. As a first time homeowner, I knew nothing about the ins-and-outs of purchasing a home and obtaining a loan. Heidi made sure to explain everything to me so I could understand. She was quick to process paperwork and move the process along, even when she ran into a few hurdles that could have made the whole process last months longer. She is easy to get ahold of, and responded to my questions and concerns quickly.
An otherwise stressful situation was made incredibly smooth with Heidi's knowledge and guidance. I will 100% refer her to anyone who asks if I know a great Mortgage Consultant!
Missy Jones
Coon Rapids, MN
Heidi Pavelka - best in the business, easily! I didn't believe I could purchase a home because I had a chapter 7 bk on my credit record. Heidi Pavelka not only told me it was possible but she worked harder for me than I would've ever imagined. She worked overtime, she did foot work, she always took time to meet with me or come to wherever I was, if needed. She stopped at nothing to make sure I got into my dream house and worked hard to ensure great rates. My credit isn't the best and she helped and guided me on since things I could do to repair it. It was not nearly as stressful of a process that most home owners I know tell me about. She made it very easy. She made it look easy and I know that can't be the case, she's just amazing at her job. I already have and will certainly continue to recommend her for an outstanding experience. Heidi Pavelka was truly a blessing to me and my family.
Couldn't have done it without her! We found our dream home before selling our (at the time) current home. With the complications of buying before selling, Heidi and her team stepped up to the plate and got the deal done for us. We wouldn't be here (in our new home) without her! She's very professional and courteous to work with and always prompt to answer any questions. Thank you, Heidi for helping us realize our dream!!
Extremely knowledgeable, Always Available! We first reached out to Heidi 12+ months prior to closing on our first house. The hours she spent with us counseling us and educating us on our first home purchase was invaluable. Over the last year she has discussed different mortgage options, estimated monthly payments, worked nights and weekends and provided us with EXEMPLARY customer experience(s). When a federal tax lien carried over to the property we knew in our hearts that she would work tirelessly to resolve the issue in time for closing and she did! We are beyond grateful for her attention to detail and HARD WORK in our favor. We are thrilled with our home, our mortgage, and the support we received through Heidi's hard work. We recommend her to friends and family and can't wait to work with her again in the future.
Hannah Blue Haws
Forest Lake, MN
Fantastic resource! Heidi has been a fantastic resource for the clients and friends we've sent her way. Her experience and expertise has been incredibly valuable in helping people find creative solutions to financing. I've seen Heidi firsthand on multiple occasions - including our own - put her clients needs ahead of her own and go out of her way to make sure they're properly educated on their options to make the best decision.
user6976135 from Lake Elmo, MN
Lake Elmo, MN
Awesome!! Heidi was great to work with! She explained everything to us & was very thorough. We had a lot of things happen/change when we were processing our loan & a lot of things happen with the buyers of our "old" home, none of which were Heidi's fault. We originally started with my husband & I both on the loan. I was laid off from my job during this process, so Heidi had to basically start over & do the loan in my husband's name only. My husband had a few things we needed to change on his credit, so Heidi worked through all of that with us. Then, we ended up purchasing a different home than what we originally had on all the paperwork, so we had to switch all of that & redo the paperwork again. It was a new home construction & the Real Estate agents on the construction side were not the easiest to work with. It was very stressful for us, but Heidi walked us through everything & explained every step as we went along. She was much more calm than I would have ever been. We couldn't close on our new house until our old house closed & that closing was pushed out 6 times. We started in April of 2015 & actually closed 3 months later. We had to keep changing the closing date for our new house. In light of all the changes, Heidi made sure we were ready on our end & that we had a smooth closing & a great experience. I would definitely recommend her to family & friends in the future. She's Awesome!!
Diane Sodergren
Otsego, MN
Better call Heidi! After my husband passed away I lost our home to foreclosure and thought that I would never own a home again. The apartment situation became so frustrating that I looked into rent to own situations and found I did not qualify. My realtor suggested that I call Heidi to see what could be done. He said she had helped clients of his that were in difficult situations. Heidi was so knowledgeable, understanding and encouraging I decided to give it a shot. I got prequalified and started shopping. She never said anything but my realtor told me she "turned over rocks" to find someone who would give me a loan. It was the easiest major financial transaction I have ever done. In less than 5 months we closed on my new home. The terms and interest rate were better than I could have imagined. Since the closing she has kept in touch and is available for questions and advice. I'm sure it would not have happened without her help. Thanks Heidi!
Exceptional Service! Heidi was absolutely great to work with when purchasing my first home. I came to her knowing very little about the buying process but she explained everything and helped me every step of the way. I'm self employed with a somewhat convoluted income structure but Heidi took the time to understand my finances and find the best options for me.
She also provided recommendations for improving my credit, which lowered my rates and will save me thousands over the course of my mortgage. We were on a tight closing schedule but Heidi and her team worked nonstop to make sure everything fell into place. We closed on the expected date and the whole process went smoothly. Heidi is an experienced professional and it's obvious to see that while working with her. She provides outstanding service and takes the stress out of the mortgage process. I would highly recommend her to anyone purchasing a home.
The ultimate professional! Heidi was very professional and well knowledgeable on the loan process. I was very impressed with how well everything flows. She took all of my concerns away with how prepared she was regarding the products. I felt that she was very honest and was a delight to work with. I love the interest rate that she gave me. I will recommend Heidi to all my friends.
Amazing! Heidi was amazing to work with! She was always so helpful and always available to answer questions. I can't recommend her and her team highly enough!!
Susan Hanto
Minneapolis, MN
Heidi finds the best loan for you, not the easiest for her! We worked with Heidi for over three years until we actually closed our loan! (Because of our situation, not because of her!) She really digs into your situation to find the best loan product for your needs, not just the easiest loan for her to close. We had done a short sale in the past and she actually ran us through underwriting early in the process and find an FHA claim on our account. Without the underwriting check (which is rare for that stage in the process) we could have looked clean to close all the way up until being denied at the closing table. But since she really listened to us she found this issue that would prevent us from closing for three years from the date of our short sale. So we purchased our home at exactly 3 years from date of short sale and Heidi got us a great loan to get into our house. A year later when we now qualified for a better conventional loan we did a refi with her as well, lowered our payments and eliminated our PMI. She keeps in contact with you after you close your loan and I would HIGHLY recommend her to anyone. Her integrity is unmatched and she really cares about helping people fit their needs, not over qualify them and disappear after she gets paid. You will not go wrong if you work with Heidi!
Jesse Dubuque
New Brighton, MN
Wonderful! I have used Heidi twice and she is by far the best. I have also recommended Heidi to other family members. Keeps you up to date and found me a rate better than I was hoping for.
Super informative! When we were thinking about buying a home, we knew we needed to qualify first. Heidi was incredibly educational about this process, and helped us understand what to do on the mortgage side of things which was so very helpful, and helped put our minds at ease! She always had our best interest at hand. She's very knowledgeable and truly and expert of her craft! I would highly recommend using Heidi!
Carrie Skarnes
Brooklyn Park, MN
