Smart Move!

Today’s market may seem at first glance, a poor time to purchase your DREAM HOME.
Look closer and you may be surprised that NOW may be the BEST time to buy!

The Pros Outweigh the Con.

Pros – Current Market Conditions Provide Flexibility:

  • Seller paid closing costs
  • Seller paid rate buydown
  • Seller paid 2-1 buydown
  • Seller paid repairs
  • Seller paid improvements
  • Price negotiation
  • Pay less than asking price
  • No need to waive inspection
  • Inspection negotiations
  • Time to think
  • Contingency contracts
  • Longer contract to close


  • Higher rates

APPROVED offers work harder in low inventory markets.

A pre-approval from Summit Mortgage is a great strategy to get your offer to the top of the list. Our company is respected and recognized by real estate agents working hard to get their clients to closing.

Justin Neal
VP of Talent Acquisition / Loan Officer
NMLS #400661
C: 612.203.9883

Meet Justin Neal, VP of Talent Acquisition

Justin has been in the industry for 23 years and is your initial contact with our company. No matter where you are on your career search, Justin can guide you on why Summit Mortgage Corporation might be the ideal spot for your next move. Start a conversation with us now and we will provide the information you’ll need as you consider joining the Summit Team.

I’m excited to meet you!



4.94/5 Stars
"Lots of communication and even when things went south, Justin found a way for us to still get our dream home."

Allen S.
"I received several quotes from other lenders and Justin easily beat them all. Everything was fast and seamless. Justin answered all of my questions quickly and arranged a mobile closer to come to our house on short notice in the morning before we left on vacation instead of having to wait another 2 weeks. I would highly recommend Justin Neal at Summit to anyone looking to refinance. You won’t be disappointed."

Blake B.
"Working with Justin was a fantastic experience! He was very thorough and responded quickly. No issues at all. We would highly recommend working with Justin and Summit!"

Brooklyn P.
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© Copyright 2022 – Summit Mortgage Corporation, NMLS# 1041

9600 54th Ave N, Plymouth, MN 55442

Summit Mortgage Corporation licensed as Summit Home Mortgage, Inc. in NC, OR, UT and WA; 9600 54th Ave N, Suite 100, Plymouth, MN 55442; AZ Mortgage Banker license 1038277; CA – Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act; MN – This is not an offer to enter into an agreement. Any such offer may only be made in accordance with the requirements of MN. Stat. Section 47.206 (3) and (4); Licensed by the N.J. Department of Banking and Insurance; WA – CL-1041; NMLS ID #1041 (

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This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.