Bremer Financial Corporation is a privately held regional financial services company jointly owned by the Otto Bremer Trust and Bremer employees. Founded in 1943 by Otto Bremer, the company provides a comprehensive range of mortgage, banking, investment, trust and insurance products and services throughout Minnesota, North Dakota and Wisconsin. When you put your trust in Bremer, you experience an unparalleled level of service, commitments you can count on and a partner who understands your needs and the needs of your community.
As one of Bremer’s Top Mortgage Producers, John Michaud brings more than 15 years of experience covering every lending product Bremer has to offer; from FHA/VA, conventional, jumbo, first time homebuyer to construction lending. As a lifelong St. Cloud area resident, John’s reputation for clear communications, smooth closings and quick problem resolution is well known among his many repeat clients and business partners in the community. Consider Bremer as your trusted mortgage partner, contact John Michaud today.
NMLS ID: 1587357 Lender ID: 327578
Whether you are buying your first home, your dream home, your next chapter in life home, my passion is educating clients so they can make an informed financing decision to best serve their needs. I have over 22 years of Lending experience with a demonstrated history of working in the financial services industry. Skilled in Conforming, Non-Conforming, VA Financing, FHA Financing, USDA Financing, Home Equity and Credit Analysis. When you work with me, you can be sure to experience: Honesty, Integrity, Loyalty, and Professionalism, as well as direct and consistent communication throughout the process!
Ask Envision Capital a Question
Tim Smith at American Heritage National Bank
Phone: 320-980-0944 Fax: 320-257-5072
American Heritage Bank– The oldest family-owned and operated bank in St. Cloud since 1881, including bank offices in Clearwater, Long Prairie and Browerville. Also known as the Log Bank, both banking locations in St. Cloud are constructed from full-sized cut pine logs occupying 30,000 square feet each. At our West side branch, the mezzanine level has been officially dedicated as an American Heritage Museum and the lower level hosts a 500 seat Conference Centre for local area charities and non-profit organizational meetings. At our East side branch, the Highway 10 site proudly presents the 25 foot granite Waterfall Memorial dedicated in honour to our American service men and women.
American Heritage Bank strongly supports the local communities in Central Minnesota and promotes the economic prosperity of its Main Street businesses. The Log Banks represent our long-standing commitment to you in providing the highest quality of personal banking and business services for achieving your financial goals. Come discover the experience of our relationship banking tradition!
Providing a superior level of informed, professional real estate services to buyers and sellers throughout Central Minnesota. From Maple Grove to St. Cloud, we have professional Realtors ready to assist! Residential & Commercial Real Estate, Sauk Rapids Real Estate, Sartell Real Estate, Waite Park Real Estate, Rice Real Estate, St. Joe Real Estate, Foley Real Estate. Milaca Real Estate, Litchfield, Maple Grove and surrounding communities. Whether you're looking at buying or selling home in St. Cloud, multi-family units in Sauk Rapids, land in Rockville or any property in Central Minnesota, we are the dedicated professionals to call for your needs. Premier Real Estate Services has offices located in St. Cloud, Milaca, Litchfield, and Maple Grove.
We intend to be your PREMIER source for all your Central Minnesota Real Estate Needs.
The headline in last week’s Bloomberg Technology was startling:“
"Stella was a delight to work with and her turn around with questions were fast. She was very accomodating in her work schedule when we wanted to look at a few houses before our house sold. She is such a hard worker! Thank you Stella for helping us sell our house! "