Business Details
Your Trusted Partner for Mortgage Solutions
At M & M Mortgage, we prioritize our clients above all else, fostering a culture built on fresh perspectives, industry expertise, and relentless dedication. Our team leverages decades of combined experience in the mortgage industry to deliver forward-thinking, energized consulting tailored to your unique goals. We specialize in educating clients to build lasting partnerships, ensuring a foundation of trust and transparency.Our commitment extends beyond business, as demonstrated through our partnership with Children's Hospitals and Clinics of Minnesota, where we contribute loan proceeds to support children's healthcare. With a focus on innovation and client-centric solutions, we strive to make the home financing process seamless and empowering.
Services
Purchase Assistance
Refinance Advisor
Loan Programs
Mortgage Calculator
Learning Center
Highlights and features
- We prioritize clients through personalized mortgage consulting
- Our team combines decades of mortgage industry expertise
- We support community initiatives through Children's Hospitals partnership
- We provide free educational tools like mortgage calculators
- We maintain transparent communication throughout the loan process
Associations and certifications
- NMLS
Services
Purchase Assistance
Our Purchase Assistance program helps first-time and experienced buyers navigate mortgage options. We analyze individual needs to recommend optimal loan structures, interest rates, and down payment strategies. Our streamlined process simplifies home acquisition while maintaining transparency about all financial obligations.
Refinance Advisor
The Refinance Advisor service evaluates current mortgage terms to identify savings opportunities. We assess market conditions, credit profiles, and equity positions to determine ideal refinancing timing. Our guidance helps clients reduce monthly payments, shorten loan terms, or access home equity responsibly.
Loan Programs
We offer diverse loan programs including conventional, FHA, VA, and USDA mortgages. Our experts explain program requirements, eligibility criteria, and financial implications. Customized recommendations ensure clients select loans matching their long-term homeownership goals and financial capabilities.
Mortgage Calculator
Our free Mortgage Calculator helps estimate affordability based on income, debts, and credit scores. The tool considers property taxes, insurance, and PMI to show realistic price ranges. Users gain clarity about financial commitments before beginning the formal application process.
Learning Center
The Learning Center provides resources for understanding mortgage terminology, credit requirements, and closing processes. Educational materials include pre-approval checklists, loan comparison charts, and market analysis reports. Clients access self-guided learning modules to make informed decisions throughout their home buying journey.
People
Scott Herzog
Owner
Scott Herzog co-owns M & M Mortgage with 15+ years in mortgage banking. He specializes in loan program development and maintains our community partnership with Children's Hospitals of Minnesota.
Jordan Johnson
Owner
Jordan Johnson brings extensive mortgage underwriting experience to his ownership role. He focuses on operational efficiency and client education initiatives, ensuring smooth loan processing for all M & M Mortgage customers.
Michael Kopiecki
Owner
Michael Kopiecki co-founded M & M Mortgage with expertise in mortgage compliance and risk management. He oversees regulatory adherence while maintaining direct client communication through his primary email contact@themmmortgage.com.
Questions
What mortgage loan options do you offer?
We provide conventional, FHA, VA, USDA loans, and specialized programs for first-time buyers. Our experts explain each option's requirements to help you choose the best fit for your financial situation.
How does your purchase assistance program work?
Our Purchase Assistance guides you through pre-approval, loan selection, and closing. We use a free online tool to analyze your financial profile and recommend properties within your budget.
Can you help with mortgage refinancing?
Yes, our Refinance Advisor evaluates your current loan terms, credit score, and home equity to determine if refinancing would benefit you through lower payments or interest rates.
Do you offer online mortgage tools?
We provide a free mortgage calculator and online purchase/refinance advisors. These tools help estimate affordability, compare loan options, and prepare documentation before meeting with our team.
How do you support the local community?
We partner with Children's Hospitals and Clinics of Minnesota by donating loan proceeds. This initiative helps improve pediatric healthcare facilities while assisting clients with their mortgage needs.
What areas do you serve?
M&M Mortgage operates in Minnesota, Washington, Colorado, and Wisconsin. Our licensed team provides local market expertise while maintaining consistent service standards across all served states.
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