Steve Morris

Branch Manager

3020 Woodbury Dr, Suites LL1 & LL2, Offices A & C, Woodbury, MN 55129
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NMLS: 275563

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Steve always responds promptly, even at odd times of the week. His team gets the details right. There is never any trouble due to mistakes.

David A. - August | 2018

Steve Morris is fantastic! He was very generous with his time, explaining all kinds of things to me in depth, and very patient with my many questions. He was quick to respond even at odd hours. I was told that in a competing offer situation, my offer won mainly because of the high quality of my lender! Thanks so much, Steve!

Rebecca C. | June 2018

It was great working with Steve and his team, they were prompt and made my first home buying experience easy and stress free!

Taylor K. | May 2018

I've worked with Steve Morris and his team at Guaranteed Rate for a couple of years now and continually refer them out and have used them for a few deals of my own. Amazing service. Always available (even on weekends) and my client's have all loved working with them too. Thank you!

Travis S. | June 2018

What a wonderful deal! All online, easy to understand, timely updates.

Kerry S. | May 2018

I thought the process was smooth. I found our loan officer was knowledgeable and helped make purchasing our first home easy.

Kelli G. | April, 2018

Being a first time home buyer, Steve and his team were very patient with all my questions. They took the time to answer all of them in a way I could easily understand. I appreciated all their help along with the way.

Chrystin S. | April, 2018

Guaranteed Rate made our difficult financial situation a seamless process! I would definitely recommend the whole team!

Natalie B. | February 2018

Steve Morris made this a delightful experience. He was kind, patient, knowledgeable and incredibly accurate on all his numbers. His attention to my account made me feel like I was his only customer. Recommend him highly.

Diane W. | November 2017

I have used Steve Morris at Guaranteed Rate multiple times for my personal loans. He always gets the job done! I will continue to use him and refer him out!

Travis S. | November 2017

I have used Steve Morris at Guaranteed Rate multiple times for my personal loans. He always gets the job done! I will continue to use him and refer him out!

Travis S. | November 2017

You made the whole process very easy, and pleasant. Your attention to detail, and personal support was extraordinary!

David S. | November 2017

Steve Morris was awesome and made the first home purchase a comfortable and easy one!

Jacob B. - 01/26/2017

Steve Morris and his team were fantastic. I am still shocked that I was able to close on my home in such a short amount of time. Steve explained everything and took the time to ensure that I understood what was being asked of me. Steve was extremely professional, caring, and organized. My experience was fantastic which I am so thankful for. I was going through a hard personal time and Steve and his team made this process so easy and took the stress right out of it. I am beyond appreciative for...

Julie H. - 12/29/2017

Working with Steve Morris and his team was great. Nice to do this process with people you can trust and have your best interests at heart.

Tahnee B. - 11/29/2016

Steve Morris was our loan officer on our purchase, and why we went back to Guaranteed Rate when we wanted to refinance. He was always quick to respond and answer any questions. We trusted his insight and would recommend him to any of our friends looking to purchase or refinance.

Andrew B. – 8/2/2016

I want to thank you SO much Steve! You are the most helpful banker/financial person I've ever met, and you're patient and kind to boot. Our family suggested you to us, and we will definitely recommend you the next time we know someone wanting to purchase or refinance.

Nicole G. – 8/29/2016

Steve and his team did an amazing job at helping guide us through the process of our new home mortgage. I felt like we were on top of everything and even ahead in the process. I was surprised that there were no surprises! Steve was very knowledgeable and I felt confident with my decisions having him as a resource. I would highly recommend him and his team to anyone.

Amanda J. – 7/6/2016

Steve Morris was my loan officer and he was more than great. He helped us more than we could have ever expected. I can't say enough about him. Thank you!

Courtney H. – 7/1/2016

Thank you for making this so smooth. Closing was a breeze. You were on point throughout the entire process. You were even able to make it work in our tight time lines. I would highly recommend you to anybody!

Randy R. – 6/28/2016

Steve Morris works magic. Guaranteed Rate is lucky to have him on board. We have worked with Steve at a number of banks and are very happy to have followed him to GR.

Hally T. – 6/14/2016

I would work with Steve Morris again. He was very responsive and extremely helpful and knowledgeable.

Kara B.-Minneapolis,MN | MAY 2016

My loan process was easy, and smooth.Everything was done on time and my loan officer was a terrific guy!

Abdihakim M. -Saint Paul, MN | APR 2016

We have used Steve Morris for many years to obtain mortgages on our home purchases. Steve is always reachable and attentive to our many questions and needs, and has the experience and knowledge to speak to the best choices for us. We recently sold a home in Minnesota and purchased a home in another state. We were happy (and relieved) to find that we could use Steve to obtain a low, competitive rate mortgage. Steve quickly provided us with different mortgage options and we had a smooth, on...

Pam W. – Wake Forest, NC

Steve has been my mortgage advisor for almost 15 years. He helped me with the process of getting a jumbo loan to purchase our family dream home. Not only had that but helped me refinance when rates dipped. With each time he came up with several options. Once even doing an innovative second mortgage. He always has had my best interests in mind rather than doing the option that helps him. He is always very responsive and patient in explaining the process. Once you work with Steve, you will not...

Keir J. – St. Paul, MN

I’m a Minneapolis Realtor and Steve has provided the lowest rates and highest quality service to my clients, many of whom are repeat clients of Steve's. He has helped them determine their best options for their purchase or refinance. I've personally used Steve for purchasing my condo and later refinance to take advantage of low rates. He does a great job of staying in touch after purchase, and lets you know the best time to refinance in order to get the low rates. If you’re looking to...

Kevin S. – Minneapolis, MN

Steve Morris has financed two of my homes. He handled all of my transactions with the utmost professionalism. Steve was very meticulous and explained every aspect of the process. After securing my mortgages, he kept in contact with me and handled a refinance on each of my two homes. The best part of my experience with Steve was that he covered all the bases and kept me informed every step of the process. All surprises or worries were eliminated. I can't imagine ever doing business with anyone...

Dom B. – St. Paul, MN

About Steve

I have been in the mortgage industry since the late 90s after attending Augsburg College in Minneapolis, with a degree focused on accounting. I began my career on the operations/underwriting side of the industry before moving to the sales advisory role in 2001. Having worked my way through an accounting degree in college by bartending and waiting tables, I had what I consider to be the best training ground for being a loan officer. I have been a President's Club member for the past 11 years. I was an inaugural honoree by the Minneapolis/St Paul Magazine as one of their Super Mortgage Professionals, and have since been awarded this designation multiple times.

I have lived in Minnesota my entire life, attending college at Augsburg College in Minneapolis. I live in Woodbury, with my wife Dana who has been a school teacher in Woodbury for many years. We stay busy keeping up with my kids and their activities. I particularly enjoy coaching my son's basketball team, going to his soccer games and my daughter's concerts with the Minnesota Youth Symphonies.

As a family we support a variety of charitable organizations, but the two I feel strongest about are the Wounded Warrior Project and Feed My Starving Children.

I contribute from each file closed to the WWP as a way to honor, support and remember all of those who have given far more for their country.

Feed My Starving Children is a great charity and one I have supported for many years. As a family we recently participated in the Woodbury Feeds event where over 4 million meals were prepared for delivery to the needy in third world countries.

Steve interview Q&A

What specific steps do you use to help your customers find the best home loan for them?
I firmly believe in asking clients the proper upfront questions, and listening closely to the answers, to make sure I have an understanding of their needs, objectives, goals and dreams. Next, I take the time to put together a broad series of potential options at a variety of price points, so the client has a number of choices and approaches to consider. While I make my own suggestion as to the best fit(s) for their situation, I make sure we discuss and consider the range of options. Ultimately, I see my role as making sure the client has the tools/information at hand to make the best decision and course of action. While it does take me additional time, I am always encouraged and validated on my approach, when a client chooses an option I would have never considered suggesting for them, and that they may not have considered themselves if we hadn’t taken the time to create and review the choices.
Tell us about a specific challenging borrowing situation and how you got the mortgage closed and funded.
On my first day at Guaranteed Rate, I received a call from a realtor partner who was having trouble with a listing he had. The buyer had just been declined by a large national lender. We needed to close within fifteen days. Not only were we able to quickly resolve and overcome the concerns with the file, but through the use of our streamlined/digital mortgage process, we were able to close on time.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
Perhaps the most fun and rewarding experience I have had over the past few years has been coaching my son's youth basketball teams, be it the Fighting Unicorns or the East Ridge Raptors. Beyond that, my wife and I do try to carve out a time once every week or so to go to a nice restaurant and enjoy good food and drinks – be it a tasting menu at Meritage in Saint Paul (where I am always blown away by the food), trying a ‘steak flight’ at Burch Steak in Minneapolis, or just a nice glass of wine and appetizer at Cravings in Woodbury. Only downside is that now my kids want to go to places like that as well :)
Tell us something that makes you unique or something wacky, yet interesting about you?
I am a total nerd. I love math and spreadsheets, Star Wars and physics. I have read a number of physics textbooks and similar, purely for enjoyment. Weird, I know.

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