Hello, I am Trace Hawthorne, and I have been originating residential mortgages since 1993. During that time I have helped families and investors close on well over $200 million in mortgages. I can provide loans for first time
buyers, move ups, second homes, rehab, refinances and new construction financing. I am very knowledgeable on loan programs like FHA, VA, MHFA, and other bond programs. Personal "one on one" service and a professional process
have helped me become a success.
From 2006 to 2012, I also held a Minnesota Real Estate License. The broadened view of working in ALL aspects of the transaction has given me a professional edge in helping my clients (both borrowers and agents) work through any rough spots that appear. As a lender, I am not only working with a borrower's issues, but the appraisal of the property and what may come up in the title process.
I grew up in North Saint Paul, MN and have lived in the area my entire life. In college I attended Hamline University, and have taken and participated in many educational courses over the years, both industry related and non-industry related. I have a grown son who still lives in the Twin Cities and my interests include classic cars, carpentry, and music.
Throughout my career, I have concentrated on matching a client's needs with good products. While many were recommending hybrid, high-risk products, I stressed the need to "have a mortgage you can live with." I stand by that philosophy today. No hype, just dedicated service.
Whether it is a purchase, refinance, or pre-preparation for your next move, I look forward to working with you.
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