A Process That's Clear. Communication That Shows Up. A Team Built to Close.
Serving homebuyers and homeowners across Iowa and Minnesota with honest guidance, straight answers, and zero surprises at the closing table.
Honest Guidance. Straight Answers. Zero Surprises at the Closing Table.
Jared Nicolaisen is a mortgage loan officer serving homebuyers and homeowners across Iowa and Minnesota — with a process that is actually clear, communication that actually shows up, and a team built to close on time.
Jared's business runs entirely on referrals. No cold calls, no ad spend — just past clients who send their friends and family because they had a great experience. That is the standard he holds himself to on every deal.
Whether you are a first-time buyer in Des Moines or Ankeny, upsizing in the Twin Cities or Maple Grove, or refinancing a home you have had for years — the process looks the same: honest guidance, straight answers, and zero surprises at the closing table.
Jared has helped hundreds of families across Iowa and Minnesota navigate the homebuying process — from conventional and FHA loans to VA, USDA, DSCR, and bank statement loans for investors and self-employed borrowers. Whatever your situation, there are usually more options than you think.
Outside of work you will find Jared on the golf course, playing basketball, or spending time with his wife Laura and the people who matter most.
Minnesota Branch — Key Mortgage Group
Jared leads the Key Mortgage Group Minnesota presence, bringing the same standard of service the KMG team is known for to buyers and homeowners across the state.
Broad Loan Expertise
Conventional, FHA, VA, USDA, DSCR, and bank statement loans for investors and self-employed borrowers. Whatever the situation, there are usually more options than most clients expect.
A Business Built Entirely on Referrals
No cold calls. No ad spend. Just past clients who send their friends and family because they had a great experience. That is the standard Jared holds himself to on every single deal — and it is the reason his business keeps growing without ever having to chase a lead.
Whatever Your Situation, There Are More Options Than You Think
From conventional purchases to DSCR investment loans and bank statement mortgages for self-employed borrowers — Jared has the expertise to find the right path for every client.
Conventional Loans
Competitive rates and flexible structures for buyers with strong credit and stable income. Jared will identify the right conventional product for your specific financial situation.
FHA Loans
Lower down payment requirements and flexible qualification standards. A strong option for first-time buyers and those building toward homeownership.
VA Loans
Serving those who served. Jared helps veterans and active military navigate VA loan benefits with the same honest, straight-talking approach every client receives.
USDA Loans
Zero down payment options for buyers in eligible rural and suburban areas across Iowa and Minnesota. Jared will help you determine whether USDA financing is an option for your property.
DSCR & Investment Loans
Debt-service coverage ratio loans for real estate investors who want financing based on property cash flow rather than personal income. A powerful tool for building a rental portfolio.
Bank Statement Loans
Mortgage solutions for self-employed borrowers who cannot use traditional income documentation. Jared specializes in helping business owners and entrepreneurs qualify based on bank deposits.
Iowa and Minnesota — From Des Moines to the Twin Cities
Jared knows both markets. Whether you are buying in central Iowa or the Twin Cities metro, the process looks the same — clear, honest, and built around your goals.
Iowa
Serving buyers and homeowners across central Iowa including Des Moines, Ankeny, Ames, and surrounding communities. Jared has deep roots in the Iowa mortgage market and knows what it takes to close deals here.
Minnesota
Leading the Key Mortgage Group Minnesota presence — serving buyers across the Twin Cities metro, Maple Grove, and beyond. Bringing the same standard of service KMG is known for to Minnesota homebuyers.
How You Do the Work Matters Just as Much as the Results
Legacy matters to Jared. A reputation built on integrity, reliability, and relationships that last long after closing day — not just transactions. That mindset shows up in every conversation, every file, and every client interaction.
When Jared's past clients send their friends and family his way, it is not because he was the cheapest or the fastest. It is because he did the work the right way — and they trusted him enough to put their name behind it.
Start Your Application"Legacy matters to me. How you do the work matters just as much as the results. My goal is a reputation built on integrity, reliability, and relationships that last long after closing day — not just transactions."
— Jared NicolaisenServing Clients in Iowa and Minnesota
Jared Nicolaisen is licensed to originate mortgages in Iowa, Minnesota, Wisconsin, and Florida.
Ready for Honest Guidance and Zero Surprises?
Whether you are buying your first home in Iowa or investing in Minnesota real estate, Jared is ready to have a straight conversation about your options and what comes next.