| Mitch Irwin is a residential mortgage banker in the Twin Cities of MN. Whether you are buying your first home, going through a divorce, building a real estate portfolio or want to re-structure your existing debts via refinancing - he can help.
Mitch entered the mortgage industry in June 2001, and has since closed over 500 loans. He has experience working with all credit types as well as purchase versus refinance business. Mitch has also found his niche in the family law community; helping divorce attorneys and their clients create a gameplan to handle real estate and mortgage issues in divorce. He treats his business as a career and takes a long term approach when working with clients.
Competitive interest rates and closing costs are not all that Mitch offers. His initial meeting to review your credit report and prepare a budget help lay the framework to finding the right mortgage for your specific situation. Most people have never seen their credit report and are surprised at what they entail. Mitch can also run a simulator that can tell you how what specific actions can improve your credit. Additionally, the budgeting exercise helps clients differentiate what a bank can qualify you for and what it really costs to live. It is eye opening to see that things like gas, groceries, entertainment and utilities often times are the equivalent to a mortgage payment!
These exercises are part of Mitch's commitment to helping you make educated decisions based on strong financial data.
Whether it is a simple refinance for a lower interest rate, settling a divorce equity buy-out or strategically financing your own real estate empire - Mitch Irwin has the knowledge and experience to help.
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