Travis Goltz Nationwide Mortgage Lender
Serving Clients in All 50 States

The Stability of a Bank.
The Flexibility You Need.

Nationwide Branch Manager & Mortgage Team Leader

From first-time buyers to portfolio investors—get direct access to a dedicated Mortgage Professional with the backing of a 120-year-old bank. No hassles. No surprises.

Start Your Application Book a Strategy Call

Or call me directly: (763) 360-4507 | M-F 7am-7pm

Branch Manager, Granite Bank Fannie Mae Approved NMLS# 351337 Member FDIC ⭐⭐⭐⭐⭐ 4.9/5 Rating

Who We Help

Homebuyers

  • First-Time Buyers: Clear guidance and low down payment options.
  • Move-Up Buyers: "Cash to Win" strategies to buy before you sell.

Investors

  • Portfolio Growth: DSCR loans that don't require personal income.
  • Flippers: Fast closing times and reliable capital.

Builders & Dreamers

  • Custom Homes: Construction-to-Permanent financing in one closing.
  • Self-Employed: Bank statement loans that respect your business.

Real Results for Real Families

When other lenders say "impossible," we find a way. I specialize in finding the "Yes" by leveraging every tool a 120-year-old bank has to offer.

The Travis Goltz Difference

  • We listen to your story, not just look at your credit score.
  • We structure the deal to fit YOUR financial goals.
  • We communicate proactively so you never have to guess.
Start Your Success Story
"I was on the verge of giving up, but Travis's encouragement and professionalism made all the difference... Travis made the entire process welcoming and educational, always putting our family's best interests first... I truly believe that without Travis and his team's expertise, I would not be calling myself a homeowner today."
— Ceara, First-Time Homeowner

Why Borrowers Choose Travis Goltz

The Big Banks

  • Rigid "Box" Underwriting
  • 1-800 Number Call Centers
  • Slow Processing Times
  • No Creative Solutions

Travis Goltz at Granite Bank

  • Bank Stability: FDIC Insured & Fannie Mae Direct.
  • Broker Flexibility: We do the "weird" loans (DSCR, Bank Statement).
  • Direct Access: You get Travis and the team, not a call center.
  • Speed: In-house processing for faster closings.

Online Lenders

  • Hidden Fees & "Gotchas"
  • Bait-and-Switch Rates
  • Zero Local Accountability
  • Transaction-Focused, Not Relational

The "All-In-One" Mortgage Solution

Every loan type under one roof.

🏢

Conventional & FHA

The standard for homebuyers. Competitive rates and low down payment options.

🏗️

Construction Loans

Build your dream home. One-time close financing for custom builds.

📈

DSCR Investor Loans

Qualify based on the property's rental income, not your personal tax returns.

💼

Bank Statement Loans

Self-employed? We use your business revenue to qualify you, not net income.

💰

Cash to Win

Make a cash-backed offer to win the bidding war, then finance it later.

💎

Jumbo Financing

High-limit financing for luxury properties and complex borrowers.

🔁

Refinancing

Lower your rate, shorten your term, or access equity for renovations.

🌎

Licensed in All 50 States

From Minnesota to Florida and everywhere in between. Whether you're buying locally or relocating, I can help.

Discuss Your Scenario — Book a Call

Nationwide Mortgage Solutions

Licensed in all 50 states. Wherever you go, we can help you finance it.

Happy couple reviewing mortgage options in new home

Getting You Home

  • FHA & VA Loans: Low down payment options (3.5% or 0%).
  • First-Time Buyer Programs: Down payment assistance & grants.
  • Conventional Loans: Competitive rates for strong credit.
  • Relocation Loans: We handle the complexity of moving states.
Apply Now
Investment property under construction or renovation

Scaling Your Portfolio

  • Construction Loans: Build dream homes or spec houses.
  • DSCR Loans: No DTI requirements, based on rent.
  • Bank Statement Loans: For the self-employed entrepreneur.
  • Investment Property Loans: Rental properties & multi-family.
Strategize With Travis

What Clients Say About Travis

⭐⭐⭐⭐⭐ Rated 4.9/5 by Happy Homeowners

⭐⭐⭐⭐⭐

"We had a great experience with Travis and his team. They made the whole journey smooth and was super fast at responding, on the ball at getting things done... I would totally recommend them to everyone."

— Susan H.

⭐⭐⭐⭐⭐

"A last minute opportunity came up... Travis is great and easy to work with. He has been in the business forever and understands how things work and makes it simple. Even joined us at closing with a Caribou!"

— Frank

⭐⭐⭐⭐⭐

"We received professional and helpful services on our Investment home purchase. Every question we had was answered in a timely manner... Travis Goltz and his team far surpassed my expectations."

— Sgangap17, Investor

⭐⭐⭐⭐⭐

"Travis is awesome, he made the whole process very easy for me. Especially as a first time home buyer!"

— Ashlyn H.

⭐⭐⭐⭐⭐

"Travis was incredibly helpful during my home financing process. He took the time to explain everything clearly and made what can be a confusing process feel much more manageable."

— The R.

⭐⭐⭐⭐⭐

"He was very helpful and informative. He got back to me on any questions in a timely manner and was overall very pleasant to deal with. I would recommend him to anyone looking to finance a home!"

— Marquis H.

Travis Goltz - Mortgage Branch Manager Headshot

Quick Facts

  • 📍 Headquarters: Champlin, MN
  • 🌎 Licensed: All 50 States
  • 💼 24 Years Experience
  • 🏦 Branch Manager, Granite Bank
  • 🏠 Active Real Estate Investor

Meet Travis Goltz

I'm not just a loan officer. I am a Branch Manager at Granite Bank and an active real estate investor.

My journey started 24 years ago. I learned that the best loans aren't always the obvious ones. That is why I built a world-class team—to provide the institutional power of a bank with the creativity of an investor.

  • Direct Access: You get my cell phone number, not a customer service queue.
  • Honest Advice: I’ll tell you exactly what you *can* afford, not just what you *qualify* for.
  • No Surprises: My "No Hassles" promise means we get to the closing table on time.
Work With Me — Book Your Strategy Call

Common Questions

I'm self-employed. Can you help? +

Absolutely. This is our specialty. We have Bank Statement loans and Portfolio options that look at your business revenue, not just your taxable income.

What if I've been denied by another lender? +

Big banks use automated boxes. If you don't fit, they deny you. I look at the whole picture. I can often structure deals manually that others reject.

Do I need 20% down? +

No. FHA is 3.5%, Conventional is 3-5%, and VA/USDA are 0%. We can find the right entry point for your budget.

How fast can you close? +

Because we process loans in-house at the branch, we can often clear files in 24-48 hours and close in 30 days or less.

Ready to Make Your Move?

Don't let the market wait. Get a verified pre-approval from a lender who delivers certainty.

Start Your Application Book a Strategy Call

Questions? Call/Text: (763) 360-4507