Why Good People Finance?
Good People Finance offers a smarter way to get a mortgage.
Instead of charging inflated rates or percentage-based fees, we provide direct access to true wholesale pricing with a simple, transparent flat cost. By eliminating lender markups, our clients typically save $5,000–$20,000 on their mortgage—creating stronger offers, lower costs, and a smoother closing experience. No sales pressure. No hidden margins. Just honest guidance built around what’s best for you
More Than Mortgages — A Better Way to Help People
With over 30 years in the mortgage industry — working with retail lenders, banks, online platforms, and title companies — I’ve seen firsthand how confusing and costly the home financing process can be. Over time, I also saw how often borrowers paid more than they should, simply because the system wasn’t built with transparency in mind. In 2025, after experiencing profound personal loss and health challenges, I was reminded just how important people, honesty, and time truly are. The overwhelming kindness I received from friends, family, and even new connections reinforced what “Good People” really means. That perspective shaped the mission behind Good People Finance: to provide a smarter, more transparent mortgage experience that saves clients thousands while delivering the service, clarity, and care they deserve.
PROGRAMS AVAILABLE
Conventional & Jumbo Loans
Traditional financing with wholesale pricing
- Conventional loans (3%–20%+ down)
- Jumbo loans for higher-priced homes
- Primary, second homes & investment properties
- Competitive rates with no retail markup
- Ideal for strong credit and stable income
- Fixed & adjustable-rate options
Best for: Buyers who want the lowest long-term cost and strong rate options.
Government Loan Programs
Flexible options designed to help more buyers qualify
- FHA Loans – Low down payment, flexible credit
- VA Loans – $0 down, no PMI (for veterans & active duty)
- USDA Loans – $0 down for eligible rural areas
- Down payment assistance programs available
- Seller concessions often allowed
Best for: First-time buyers, moderate credit, or buyers needing lower upfront costs.
Non-QM & Alternative Financing
For self-employed and non-traditional borrowers
- Bank statement loans
- Self-employed & 1099 borrowers
- Investor & DSCR loans
- Asset-based & alternative income programs
- Interest-only options available
Best for: Business owners, investors, and buyers who don’t fit inside traditional lending boxes.
Contact Us
Good People Finance
Powered by edge home finance NMLS#891464
5860 Baker Rd, Minnetonka, MN 55345
Scott Cobb 615-538-7311 scobb@goodpeoplefinance.com NMLS#1046677
