Brian Emerson Loans

Brian Emerson Loans offers home financing and retirement mortgage planning from licensed mortgage advisor Brian Emerson. Purchase loans cover first-time and move-up buyers, with FHA, VA, conventional and jumbo options, plus refinancing. For homeowners 62 and older, Brian also handles HECM reverse mortgages, including HECM for Purchase, and coordinates them with financial planners, CPAs and estate attorneys.

Consultations are free and run about 30 minutes, held by phone, Zoom or in person in Bloomington. Brian walks clients through payments, cash to close and loan options before any application. Reverse mortgages must be repaid, and borrowers stay responsible for property taxes, insurance and upkeep, so that gets covered early. He serves Bloomington and the greater Twin Cities.