Steve Ruprecht

Branch Manager/VP of Mortgage Lending
12924 63rd Ave N, Maple Grove, MN 55369
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NMLS: 389036
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Steve Ruprecht and his team made this process painless. Two friends purchased homes in the previous year and had constant struggles and headaches throughout the process. I was dreading it! Steve sent me a link to their app, I completed the questionnaire and Guaranteed Rate came back the next day with my options for mortgage sources. I was provided an analysis of which option would fit my needs. I received a list of documentation Guaranteed Rate needed. Nothing requested was difficult to obtain...

Harry M. | September 2018

Steve was extremely helpful and professional. We felt very comfortable working with him and Guarantee Rate!

Todd T. | August 2018

Steve and his associates were very easy to work with. They made the loan application seamless and the use of online electronic signatures facilitated the application with ease. All of the required documents were identified and we were able to use a digital dropped box which made things really easy also. Thank you for all of your help.

Phillip S. | August 2018

Steve Ruprecht provided excellent service.

Brian K. | July 2018

All the folks that helped us achieve our goal did a wonderful job!

Roger R. - June | 2018

Everyone we worked with was wonderful! Steve really helped us even at first when we didn’t qualify. He gave us ideas on how to help our credit so we could get a loan. 4 months later and we were able to buy! Very grateful for Guaranteed Rate.

Raymond G. | June 2018

Steve and his team were great to work with! Always friendly and always there!

Patricia F. | June 2018

This is our third house through Steve we would not go anywhere else.

Jonathan C. | June 2018

Great experience with Guaranteed Rate. Steve was my lender and was an excellent communicator and very thorough. This was the best mortgage experience I've had with a lender. Great job!

Jamie A. | June 2018

Steve did an amazing job for us. Kept us informed each step of the way and was easy to communicate with. Look forward to referring him to friends and family.

Terry I. | June 2018

Steve Ruprecht was outstanding! He was off the charts in both his services and his recommendations. I will recommend everyone that I know looking for a lender to talk with Steve. We could not have had a better experience!

Andrew H. | May 2018

Steve Ruprecht was outstanding! He was off the charts in both his services and his recommendations. I will recommend everyone that I know looking for a lender to talk with Steve. We could not have had a better experience!

Andrew H.

They did a great job and were very supportive during the process. Thanks!

Meridee M. | May 2018

This was, by far, the easiest loan to obtain thanks to Steve Ruprecht!

Robyn L.-Sharon,OK | MAY 2016

I can't express my gratitude enough. My experience was very satisfying. My loan officer, Steve Ruprecht, was amazing and went above and beyond to help us get our loan. We can't thank him and Guaranteed Rate enough . THANK YOU SO MUCH.

Kyle E. -Elk City, OK | APR 2016

Steve made the whole experience very easy. Was very good at communicating how the process would work and what and when information was need.

Robert E. – 11/20/2015

Steve could not have been any better!! Our job was not the loan, it was finding the home we loved & Steve & staff took it from there! Job well done!!

Jeremiah L. – 10/19/2015

Steve kept me well informed about the details of the loan throughout the application process. He took the time to go over the details so getting through closing was quick and easy to understand.Everyone was prompt about answering my questions. Much appreciated as a first-time homebuyer.

Belit F. – 11/4/2015

I switched to Guaranteed after we had already started the process. They were quick to get on top of everything so we could stay on track with the dates that were set. Steve was quick to respond to any questions or concerns I had and continually kept me updated and in the loop of what was happening.

Melissa H. – 10/7/2015

Steve Ruptecht was very thorough. Responded quickly to my questions. Explained everything so I could understand. Provided great customer service. Steve made the process easy and there were no problems. Good customer service is key. Very pleased with everything.

Paula O. – 9/24/2015

Quick and thorough responses. Easy to get a hold of everyone involved. Quality service. I would recommend Steve and Guaranteed Rate to friends or family.

Jessica K. – 9/8/2015

Steve was very pleasant and helpful. I would refer him to my Family and friends and I would defiantly use him for future loans.

Alkesh A. – 9/14/2015

Steve was great to work with and very accurate in all the numbers he gave us.

Jonathan S. – Minneapolis, MN | AUG 2015

Everyone at Guaranteed Rate kept our loan process moving along at a fast pace and kept us well informed on how everything was coming along. They worked hard on getting us the best rate possible and once everything was completed they went over the entire settlement sheet with us to make sure we understood it all.

Brad Y. – 8/28/2015

Steve Ruprecht was awesome. Of all the people we had to work with in buying this house, Steve was by far the best to work with.

Aaron H. – Elk River, MN | July 2015

Steve's communication was outstanding throughout the entire process. He made it all feel like a team effort and not just a transaction. Steve was awesome. Of all the people we had to work with in buying this house, Steve was by far the best to work with.

Aaron H. – 7/23/2015

Steve was very helpful and upfront about everything. The process was very smooth, and we enjoyed working with Steve.

Kaitlin R. -- 6/26/2015

Steve Ruprecht was awesome to work with! He was instrumental in coming up with a plan support my financing needs. Communication was excellent and always proactive. Really appreciate the time he takes to explain everything so I am well informed and understand everything about my options and the process. He and his team were terrific. I will definitely use him if I have loan needs in the future will refer others. Thanks!

Augusto E. – 6/12/2015

everything went very smoothly . Steve Ruprecht was a pleasure to work with and highly recommend him..

Glenn C. – Alva, OK | June 2015

What I can say for 100% sure is that Stephen Ruskaup is TOP Notch!! He is just the best!! This isn't the only time he has helped and worked with us and I'm grateful for his assistance. Could not be happier!!

Harold M. – Golden, CO | Apr. 2015

Steve went above and beyond securing our loan. He worked tirelessly to make the process as smooth as possible.

Sandra W. – Bonaire, GA | Apr. 2015

Steve is very proactive and extremely helpful responding and answering questions.

David M. – Flower Mound, TX | Apr. 2015

Steve is very proactive and extremely helpful responding and answering questions.

David M.

Steve was great! He always gave us realistic expectations

Rebecca S. – Hydro, OK | Mar. 2015

Steve is always on top of it! I never had to worry!

Mark M. -- 3/19/2015

Steve was the best, he was always available for our questions. He made the whole experience wonderful for us. Again, I could not have asked for a better loan officer than Steve. I will definitely recommend him to anyone I know looking for mortgages.

Marc A. - Plymouth, MN | Dec. 2014

I could not have asked for a better loan officer than Steve. Steve was the best. He was always available for our questions and made the whole experience wonderful for us. I will definitely recommend him to anyone I know looking for mortgages.

Marc A.

Steve was wonderful. He walked us through all the hoops and stayed in close contact with us.

Jerry D.

Steve and his team were great! They were very friendly, communicative, and responsive!

Anthony H. -- Fridley, MN 8/27/2014

Steve was fantastic! He was always available to answer my questions!

Ross B. -- Crystal, MN 8/27/2014

Steve Ruprecht did an outstanding job! It's great to work with a highly qualified, competent, and positive person!

Michael B. -- Boulder, CO 7/7/2014

Steve was very easy to get in touch with and very helpful throughout my first home buying experience! He helped me set realistic expectations about my affordability and was very helpful when I had questions. I will definitely recommend him to friends and family! It was an all around great experience!

Nina G. -- Lake Jackson, TX 7/10/2014

Steve was fantastic. It is truly awesome to see someone who really cares and takes the time to make sure I was comfortable during the entire process. He was always available, really great!

Drew V.- Minneapolis, MN, 1/6/2014

"Everything went fine! As a real estate agent I really appreciate and respect someone who is professional and timely when I work with them. Steve has these qualities and more! He's terrific! I give him all my business."

Jennifer G. -- Maple Grove, MN. -- 9/ 2013

Thank you for all of your help in getting us into our new home. We love it and can't thank you enough.

Davin & Sheena

Just wanted to say THANK YOU for all your help in getting the house.

Rodney & LaDonna

Thank you so much for working with Brian and I in setting up the mortgage for our new home. You made the process so easy and we appreciate the time that you took to always reply back to our questions so quickly. You truly made this an enjoyable process and we look forward to meeting again in the future. Thank you!

Brian & Diane

Hey check out the amazing review from Carlos about Steve! “Steve Ruprecht made my experience very positive. He was on top of all the details and kept us on track regarding paperwork and changes. Steve thanks again!”

Carlos G. -- El Paso, TX -- 03/2013

I wanted to say THANK YOU again for working with me on our new house purchase. You were a dream to work with and made things so simple for me. I can not express how much I appreciate you. If you weren’t so far away, I would buy you supper, however I can promise you that I will spread your name to as many people as I can and assure you that I will be a repeat customer for the rest of my life!

Brenda, Weatherford, OK

Thank you so much for your time and effort to help Lance and I refinance our home. We feel very blessed to have you on our side. May god bless you always!

Lance & Jennifer, El Reno, OK

You go out of your way to do things that make a difference in people’s lives. You have a certain way about you that makes great things happen. Thanks so Much for helping me by my first home!

Blanca, El Paso, TX

Robert and I cannot express enough what a wonderful experience it was for us closing on our home. Everything went so smooth and much easier than ever anticipated. It was incredible from start to finish. I will make sure to pass word on to everyone about you.Thanks Again!

Robert & Jackie, Tulsa, OK

Sorry it’s taken me so long to do this, but I did want to let you know that you do your job very well! I appreciated the way you handled me and the transaction. Thanks again for making a BIG decision easier to make.

Debbie, Brownsville, TX

Thanks so much for all of your help-we couldn’t have gotten our home without you!

Reed & Cathy, Mililani, HI

Thank you so much for all your help with our new home. You made it so easy and painless for us!

Nick & Kendra, Weatherford, OK

We just wanted to thank you for all your help with our mortgage. We had a great experience with you and are very please with how smoothly everything went. We look forward to working with you again in the future! Thanks Again.

Heather & Ross, Marshall, MN

About Steve

Steve Ruprecht has been in the financial industry as a loan officer since 1992. His success comes from his hard work ethic, attention to detail, and knowledge of loan products. He has exceptional experience in all residential lending products including Conventional, Portfolio, FHA, VA, and USDA Rural Housing programs. He is committed to educating and helping clients achieve their dream of home-ownership. Steve's years of experience has helped guide his clients through the ever-changing mortgage market. He resides in Minnesota with his wife and two children.

• 24 Years Experience

• A True Specialist In Mortgage Banking

• Guaranteed Rate has the Ability To Lend In All 50 States

• Available 7 Days A Week

• In-House Underwriting, Closing, & Funding

• Free Mortgage Planning Service

Steve interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
I have been in the mortgage business since 1991. The role of helping people get into homes has always been a rewarding experience, and I have never looked back - still in the business 24 years strong!
Who is your typical customer and what questions do they typically have?
I generally work with all types of buyers from First time buyers to those that have purchased several homes before. Their questions generally relate to "how much will my payment be" and "how much will I need at time of closing".
What specific steps do you use to help your customers find the best home loan for them?
Step one is to take in a full application. I then can analyze and learn more about the clients full scenario, and offer the best and most fitting program for them. It is impossible to give advise without knowing their full situation/scenario.
How long have you been in the mortgage business? What awards have you won?
I have been in the mortgage business since 1991. I have been listed in the Top 1% for Mortgage Originators in America, have received Angie's List Super Service Award for outstanding service, and have been a President's Club member of Guaranteed Rate for several years.
What are the pros and cons of a fixed rate mortgage versus an adjustable rate mortgage (ARM)?
For the past few years fixed rates have dominated as they have been attractively low. ARM products still have a niche and clients will consider them if they know they will only be in the home for a short period of time as they offer even lower rates.
What advice would you give new or first time home buyers?
Get pre-approved prior to looking at homes. This way you will know what price range to consider and what your approximate payment wll be upfront.
Tell us about a mortgage product that consumers may not be aware of?
Renovation loans are a unique product that allow for clients to buy a "fixer upper" and add the renovation costs to the mortgage amount. It can be a perfect program for the right buyer.
How has the mortgage industry changed since you started, and what would you expect in the future?
The industry has changed immensely. Most loans are now "fully documented" and much more closely underwritten. There are still excellent programs with limited down payment options available. I would expect for changes to continue, but to be less dramatic than in the past as the housing market seems stable compared to past years.
What can borrowers do to insure a smooth mortgage underwriting process?
It is extremely important that borrowers be very thorough in making sure they provide all items asked for from their loan officer.
What provides you with the most satisfaction in your job as a Loan Officer?
The goal is to make not only certain that the borrower is satisfied and impressed with my job as a loan officer, but that they then refer their friends and family. Future referrals provide me with the most satisfaction.
Tell us something that makes you unique or something wacky, yet interesting about you?
Along with being a mortgage Loan Originator, I love to buy & sell on EBay and wheel & deal on Craigslist. I am family oriented and love hanging out with the kids at the lake.

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