Travis Goltz Nationwide Mortgage Lender
Mortgage Solutions for Every Borrower

Every Loan Type. Every Scenario. One Trusted Lender.

We Handle Complex Scenarios Other Lenders Reject

DSCR investment loans. Bank statement programs for the self-employed. Construction financing. Jumbo loans. If you need creative financing backed by a 120-year-old bank—you're in the right place.

Start Your Application Book a Strategy Call

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

Branch Manager, Granite Bank NMLS# 351337 Licensed in All 50 States 120-Year-Old Bank ⭐⭐⭐⭐⭐ 4.9/5 Rating

Why Most Borrowers Struggle to Get the Right Mortgage

Getting approved shouldn't feel like solving a puzzle. If you've experienced these frustrations, you're not alone.

❌ Conflicting Advice

"Every lender tells me something different." Confusing jargon and zero clarity on what you actually qualify for.

❌ Self-Employed Denial

Traditional banks want W2s you don't have. Your business income doesn't fit their rigid boxes.

❌ Losing Bidding Wars

Your financing looks weak compared to cash offers, even when you're fully qualified.

❌ Investment Headaches

Banks want personal income verification when the property cash flows just fine.

A Lender Who Solves Problems

I'm Travis Goltz, a Branch Manager at Granite Bank with 24 years of experience. I don't just push paper—I structure deals that work.

The Difference:

  • Bank Stability + Broker Flexibility: FDIC-insured backing AND creative loan programs.
  • Direct Access: No call centers. You get my personal cell phone number.
  • We Do the "Weird" Loans: Self-employed? Investor? I specialize in finding the "Yes."
  • No Surprises: Clear communication on costs, rates, and closing dates.
Book a Strategy Call

What You Get

1. Personalized Strategy

Not cookie-cutter solutions. Loans structured around YOUR goals.

2. Specialized Access

Bank statement loans, DSCR financing, Construction loans, and Jumbo.

3. Speed Without Shortcuts

In-house processing for fast, transparent closings.

4. Investor Expertise

I'm an active investor. I understand cash flow and building wealth.

Mortgage Solutions for Every Borrower

No matter your situation, we have a loan program that fits.

🏠 Purchase Mortgages

For homebuyers ready to make their move.

  • FHA Loans: 3.5% down, flexible credit.
  • VA Loans: 0% down for veterans.
  • Conventional: Competitive rates.
  • Relocation: We handle the move complexity.
Start Application →

💼 Bank Statement Loans

For self-employed borrowers who don't fit traditional boxes.

  • Qualify based on business revenue.
  • No tax returns required.
  • Uses 12-24 months of bank statements.
  • Great for business owners with write-offs.
Discuss Your Scenario →

📈 DSCR Investor Loans

Qualify based on the property's rental income.

  • No personal income verification.
  • Based on Debt Service Coverage Ratio.
  • Perfect for portfolio builders.
  • Available for LLCs.
Get Investor Pricing →

🏗️ Construction Loans

Build your dream home with one-time-close financing.

  • Finance land + build + mortgage in one.
  • Single closing (saves money).
  • Interest-only payments during build.
  • Custom builders welcome.
Start Your Build →

💰 Cash to Win Program

Compete like a cash buyer.

  • Make a cash-backed offer.
  • Win in competitive markets.
  • Finance with a mortgage after winning.
  • Beats contingent offers.
Learn About Cash to Win →

💎 Jumbo Loans

High-limit financing for luxury properties.

  • For loans exceeding conventional limits.
  • Competitive rates.
  • Flexible terms for high-net-worth.
  • Portfolio diversification.
Discuss Jumbo →

How Our Process Works

Getting a mortgage doesn't have to be complicated.

1. Strategy Call

We talk (15-30 mins). No hard credit pull. Just honest feedback on what is possible.

2. Pre-Approval

Get a verified approval letter so you can shop with total confidence.

3. Underwriting

My team handles the heavy lifting. You get proactive updates, not silence.

4. Clear to Close

Sign your docs, fund the loan, and get your keys. No surprise fees.

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.
  • Direct Access: You get Travis, not a robot.
  • Speed: In-house processing.

Online Lenders

  • Hidden Fees & "Gotchas"
  • Bait-and-Switch Rates
  • Zero Local Accountability
  • Transaction-Focused

What Clients Say

⭐⭐⭐⭐⭐ Rated 4.9/5 by Happy Homeowners

⭐⭐⭐⭐⭐

"Travis made the entire process welcoming and educational, always putting our family's best interests first."

— Ceara, First-Time Buyer

⭐⭐⭐⭐⭐

"We received professional and helpful services on our Investment home purchase. Travis Goltz surpassed expectations."

— Sgangap17, Investor

⭐⭐⭐⭐⭐

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

— Ashlyn H.

Common Questions

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

Absolutely. We specialize in Bank Statement loans that look at business revenue, not just tax returns.

What credit score do I need? +

It depends. FHA goes as low as 580. Conventional typically 620+. Bank Statement loans 680+. We can check your specific scenario.

Do I need 20% down? +

No. FHA is 3.5%, Conventional is 3-5%, and VA is 0%. We help you find the right entry point.

Can I buy before selling my current home? +

Yes. We have Bridge Loans and the Cash to Win program to help you unlock equity and buy without a contingency.

Ready to Make Your Move?

Don't let uncertainty hold you back. Get a verified pre-approval from a nationwide mortgage lender who delivers certainty.

Start Application Book Strategy Call

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