At Creative Homes, we believe the homebuying journey should be enjoyable before, during, and after the construction of your brand-new home. Let our mortgage coaches be your guide to Closing Day! They're here to help answer all of your questions about financing and personalize a financial plan for your unique situation. Ultimately, our mortgage coaches are here to ensure a simple and stress-free experience.

Preferred Lender

Waterstone Mortgage
We keep everything on track to close on time at the terms we quoted! Our objective is to help you make the right decisions for your financial situation by educating and empowering you with information about your financing options. We recognize that the mortgage process can be stressful, so we make it a point to ensure you are comfortable with each step of the process. We will guide you through the mortgage process by asking important questions to understand your needs and help secure the right financing option for you.

Mortgage Coaches

Jim Kubovec

Mortgage Coach | NMLS#400295
12800 Whitewater Dr Ste 100 Offc 118
Minnetonka, MN 55343

John Harvey

Mortgage Coach | NMLS#327892
12800 Whitewater Dr, Suite 100, Office 118
Minnetonka MN 55343


Our Borrower Portal allows you to fill out your application and submit documentation securely online. Additionally, we share and allow you to sign disclosure documents electronically.

You are on the path to purchasing a home! After you receive your pre-approval, it’s very important to inform us of any changes to your financial picture or credit history as this could impact the amount or type of loan for which you’ll qualify once your loan is fully underwritten.

Many people are surprised to learn that rates change on a daily and sometimes hourly basis. Interest rates fluctuate in response to changes in the financial markets. The bond market is generally a good indicator of the trend of interest rates, with higher bond rates usually producing higher mortgage rates.

Escrow is a legal arrangement where a neutral, third party temporarily holds an asset or sum of money on behalf of two other parties that are in the process of completing a transaction. In real estate, escrow is typically used to protect the buyer's earnest money or to hold a homeowner's funds for property taxes and home insurance.

Yes, you can! Based on your financial and credit history, you will have a variety of options with a 5% down payment. Your loan expert can help you decide which home financing program will work best for you.

Any credit inquiry can have an impact on your credit score, so it’s important to consider that when you are shopping for a mortgage. According to Experian, credit scoring models do take rate shopping into consideration, so multiple inquires for a certain type of credit product (like a mortgage) will have a smaller impact on your score.

Yes! This all depends on the remaining balance on the loan, your credit score, and a few other factors. Speak with a loan expert to find out how much cash you may be able to pull out of your home in a refinance.

Our Borrower Portal makes it easy and secure to upload documents and loan homework online. If you don't have an account with our Borrower Portal, it's simple and quick to start one – just find a loan expert to sign up and start uploading documents!

Rate locks are available across a range of time periods. Rate lock periods of 30 days are pretty typical, but at times when there are a large number of consumers refinancing their mortgages or purchasing homes, longer lock periods are common.

With a minimum down payment amount of 3%, it’s possible to get a conventional loan for less money out-of-pocket!

It depends on what type of loan program you’re using. For example, an FHA streamline refinance doesn’t require an appraisal, and the same is true of VA loans too. You can roll your closing costs, prepaid interest charges, and escrow funding totals into your loan amount so you don’t have to bring in money at closing. Talk to a loan officer to learn more about your options!

This depends on your credit profile, down payment amount, and other financial qualifications! If you’re ready to buy, get in touch with a loan officer to learn more about what’s available to you.

If you’re a first-time home buyer, consider looking into bond programs near you. Some bond programs offer down payment assistance, depending on your location. Plus, FHA, VA, and USDA programs are all available for first time buyers!

A credit score is just one piece of your overall financial picture, so make sure you talk with a loan officer about your qualifying factors. That said, a conventional loan typically requires a credit score over 620, and all borrowers should have a credit score.

Hear From Our Homeowners

Creative Homes Testimonial

Me and my wife had the best experience with Creative Homes! They were very professional in their services. Our Creative Home sales rep, was outstanding!!!! He showed great customer service and went above and beyond his job to help our transition go smoothly. We definitely recommend Creative Homes for your next new home!

Kelley & Vanessa
Creative Homes Testimonial

We love it from top to bottom inside and out!!! Thank You!! Creative Homes has been fantastic to work with, they have made it a breeze purchasing a new home. Every single person I’ve met from Creative Homes has been a pleasure to meet and they are very friendly and knowledgeable.

Creative Homes Testimonial

Best quality and people to work with. This is the 4th home I have built in my lifetime and by far the best of the best.

Creative Homes Testimonial

We recently moved into our new home built by Creative Homes and we absolutely love it! The attention to detail and quality throughout is first class! We've received so many compliments from people who have seen it. From start to finish we received top notch customer service that went above and beyond any expectations. We absolutely recommend Creative Homes to anyone considering a build. You'll be glad you did!

Creative Homes Testimonial

I really enjoyed the weekly calls with the builder. It made me feel like I knew what progress was happening during the build, and really set a tone of trust with the builder that I wasn't expecting. I found those conversations, even when very short, to be extremely helpful in staying calm during the build process.