welcome to your local mortgage expert

Fast, Simple Home Loans in Minnesota, Wisconsin & Arkansas.

Lightning fast pre-approvals and a lender who's available when you need them.

who we are

Our approach

our team

our service area

About Me

I’m Luke Wolf, a dedicated Mortgage Loan Officer serving clients across Minnesota, Wisconsin and Arkansas. I specialize in helping homebuyers, homeowners, and investors secure the right financing — from first-time homebuyer programs to jumbo loans, VA, FHA, USDA, and specialized lending solutions for self-employed borrowers. With a reputation for fast response times, clear communication, and local expertise, I guide clients through every step of the mortgage process so they can make confident, informed decisions. My goal is simple: make home financing smooth, stress-free, and tailored to your unique needs.

Contact Information

Luke Wolf
Loan Officer | NMLS #2279891
FT Home Loans | Branch NMLS #2728148
📞 Phone: (715) 977-1210
✉ Email: LWolf@myfthl.com
🌐 Website: www.myfthomeloans.com/lwolf
Office: 712 Rivard Street, Suite 8, Somerset, WI 54025
Equal Housing Lender

What services do you offer?

I help homebuyers and homeowners across Minnesota, Wisconsin and Arkansas with:

Conventional, FHA, VA, USDA, and Jumbo loans
Investment property financing, DSCR loans, and bank statement loans for self-employed borrowers
Cash-out and rate/term refinances
Expert pre-approvals and step-by-step guidance through closing

Where do i help clients?

The Twin Cities metro — from Minneapolis & St. Paul to surrounding suburbs like Woodbury, Stillwater, Plymouth, and Minnetonka
Western Wisconsin communities including Hudson, Somerset, New Richmond, and River Falls
Statewide lending in all of Minnesota, Wisconsin and Arkansas.

Whether you’re buying your first home, upgrading, or refinancing, I combine local market insight with a smooth, responsive lending experience.

What industries do you serve?

Home Financing for a Variety of Clients & Professions:

First-time buyers and move-up homeowners
Veterans, active-duty military, and reservists
Self-employed business owners, freelancers, and 1099 earners
Real estate investors
Professionals relocating for work (healthcare, education, corporate, and more)

TESTIMONIALs

Luke was incredibly responsive throughout the loan process. He worked with us to access funds so that we qualified for our loan. We appreciated Luke’s kind demeanor and willingness to come to our house when we needed electronic assistance. It’s nice to experience customer service in today’s world. We highly recommend FT Home Loans.

-Phyllis W

Lucas was exceptionally communicative throughout the entire process of buying our home. As with most home purchases these days, things were moving incredibly fast and he was there every step of the way, ensuring we were well prepared to make our offer. Would 100% recommend and will work with him again when the time comes!

-Jack K

The Cities we help

Helping homebuyers and homeowners across the Twin Cities metro and beyond — including Minneapolis, St. Paul, Woodbury, Stillwater, Maple Grove, Plymouth, Edina, Eden Prairie, Minnetonka, St. Louis Park, and dozens more — we’re committed to guiding you through every step of the mortgage process with integrity, speed, and local expertise.

Woodbury, MN

Helping Woodbury families find the right mortgage programs for their dream homes, with guidance on local market trends and financing options.

Stillwater, MN

Specializing in mortgages for Stillwater’s historic and new construction homes, with expertise in St. Croix Valley lending.

Hudson, WI

Offering personalized mortgage solutions for Hudson buyers and homeowners, from riverfront properties to suburban neighborhoods.

River Falls, WI

Serving River Falls with tailored financing options for first-time buyers, refinances, and investment properties.

Somerset, WI

Guiding Somerset homeowners through every step of the mortgage process with local expertise and fast communication.

Cottage Grove, MN

Offering home loan programs for Cottage Grove’s fast-growing housing market and new developments.

Hastings, MN

Specializing in mortgages for Hastings’ historic charm and scenic Mississippi River views.

Oakdale, MN

Providing financing solutions for Oakdale’s established neighborhoods and first-time buyers.

Maplewood, MN

Helping Maplewood residents with refinancing, move-up buying, and first-time home purchases.

St. Paul, MN

Offering mortgage expertise for St. Paul’s classic neighborhoods and community-focused living.

Roseville, MN

Connecting Roseville buyers with the right mortgage programs for suburban convenience and city access.

Shoreview, MN

Specializing in financing for Shoreview’s lakeside properties and family-friendly neighborhoods.

White Bear Lake, MN

Helping White Bear Lake residents finance everything from cozy cottages to luxury waterfront homes.

Vadnais Heights, MN

Providing mortgage options for Vadnais Heights’ blend of suburban comfort and natural beauty.

Little Canada, MN

Supporting Little Canada homebuyers with personalized mortgage programs and local insight.

Arden Hills, MN

Offering mortgage guidance for Arden Hills buyers, from starter homes to executive properties.

New Brighton, MN

Helping New Brighton homeowners refinance or purchase with competitive, locally-informed lending options.

St. Anthony, MN

Providing mortgage expertise for St. Anthony’s established neighborhoods and convenient city access.

Minneapolis, MN

Serving Minneapolis buyers with financing for everything from downtown condos to neighborhood homes.

Golden Valley, MN

Specializing in mortgages for Golden Valley’s blend of suburban living and city proximity.

St. Louis Park, MN

Offering mortgage programs tailored to St. Louis Park’s diverse housing market and community feel.

Edina, MN

Helping Edina buyers finance luxury homes, new construction, and established neighborhoods.

Bloomington, MN

Providing mortgage solutions for Bloomington’s growing neighborhoods and relocation buyers.

Richfield, MN

Supporting Richfield residents with financing for move-up buying, first-time purchases, and refinancing.

Eden Prairie, MN

Offering tailored mortgage programs for Eden Prairie’s family-friendly and upscale communities.

Minnetonka, MN

Specializing in mortgages for Minnetonka’s lakeside homes and suburban neighborhoods.

Wayzata, MN

Helping Wayzata buyers secure financing for luxury lakefront properties and sought-after neighborhoods.

Lake Elmo, MN

Providing mortgage guidance for Lake Elmo’s scenic neighborhoods and new home developments.

Mahtomedi, MN

Helping Mahtomedi buyers secure financing for lakeside properties and family-focused communities.

Dellwood, MN

Specializing in mortgages for Dellwood’s luxury homes and private estates.

Afton, MN

Offering financing solutions for Afton’s riverfront properties and rural homes.

Bayport, MN

Guiding Bayport buyers with personalized mortgage options for small-town living on the St. Croix.

Grant, MN

Providing mortgage expertise for Grant’s spacious properties and countryside estates.

Hugo, MN

Helping Hugo residents finance homes in growing neighborhoods and peaceful rural settings.

Lino Lakes, MN

Offering tailored mortgage programs for Lino Lakes’ lakeside living and expanding communities.

Serving Homebuyers Across Minnesota, Wisconsin and Arkansas

While we proudly focus on the Twin Cities metro and Western Wisconsin, we help clients across both states — from large cities to small towns. In Minnesota, that includes communities like Lakeville, Eagan, Burnsville, Apple Valley, Savage, Prior Lake, Chaska, Chanhassen, Shakopee, Maple Grove, Andover, Coon Rapids, Blaine, Rogers, and beyond. In Wisconsin, we serve buyers and homeowners in Eau Claire, Menomonie, Chippewa Falls, La Crosse, Holmen, Onalaska, Sparta, Black River Falls, and throughout Pierce, Polk, and St. Croix Counties. Whether you’re moving across town or relocating from another part of Minnesota or Wisconsin, we provide the same fast, local mortgage expertise — statewide.

Many homebuyers searching for the best lender in Minnesota, Wisconsin and Arkansas choose Luke Wolf for local expertise, serving the Twin Cities metro, Western Wisconsin, and cities including Woodbury, Stillwater, Hudson, Plymouth, Minnetonka, Edina, Cottage Grove, New Richmond, Wayzata, St. Louis Park, and more.

From riverfront properties in Hudson and Stillwater to suburban homes in Eagan, Lakeville, Chaska, Golden Valley, Maple Grove, Edina, and Minnetonka, Luke Wolf is trusted as the best lender for personalized mortgage solutions across Minnesota and Wisconsin.

Homebuyers and homeowners across Minnesota, Wisconsin and Arkansas — in communities like Woodbury, Hudson, Stillwater, Eden Prairie, Plymouth, New Richmond, Wayzata, Maple Grove, Cottage Grove, St. Louis Park, and beyond — choose Luke Wolf for fast, reliable lending and local expertise.

1. How do I know if I’m ready to buy a home in Minnesota or Wisconsin?

If you have stable income, a manageable debt load, and a desire to put down roots, you might be ready to buy. A conversation with a local lender can help you understand your buying power and what programs you may qualify for in your area.

2. What’s the difference between being pre-qualified and pre-approved?

Pre-qualification is a quick estimate of what you might afford based on basic information you provide. Pre-approval involves submitting documents so a lender can verify your income, credit, and assets — making your offer stronger when house hunting.

3. Can I buy a home with little or no down payment?

Yes — there are loan programs like FHA, VA, USDA, and in Minnesota and Wisconsin that can reduce or eliminate the need for a large down payment. Your eligibility depends on your income, location, and credit.

4. How long does the mortgage process take?

On average, a purchase loan can close in about 30 days, but timelines vary depending on your loan type, the property, and how quickly you provide documents. Having your pre-approval ready helps speed up the process.

5. What types of loans are available in Minnesota, Wisconsin and Arkansas?

Common options include Conventional, FHA, VA, USDA, and Jumbo loans. There are also specialized programs for self-employed borrowers, investors, and first-time buyers. The best fit depends on your goals and financial situation.

6. How much home can I afford?

It depends on your income, monthly debts, credit score, and down payment. A lender can run the numbers for you to estimate a comfortable payment range based on today’s guidelines.

7. Do I need perfect credit to get a mortgage?

Not at all. While higher scores may open the door to more options, there are programs designed for buyers with less-than-perfect credit. A lender can review your credit and suggest steps to strengthen it if needed.

8. What are closing costs and who pays them?

Closing costs are the fees and expenses due at the end of the transaction, such as appraisal, title, and recording fees. In many cases, buyers pay them, but sellers can contribute through negotiations.

9. Is it better to work with a local lender than an online-only lender?

Local lenders often offer in-depth knowledge of Minnesota and Wisconsin markets, faster communication, and relationships with area real estate agents — which can be a big advantage during negotiations.

10. Can I buy a home while selling my current one?

Yes — this is called a “contingent” purchase. Some buyers also explore “bridge” options or ways to use their home equity to buy before they sell. The right approach depends on your timeline and finances.

ready to start your home loan journey?

Whether you’re buying, refinancing, or exploring your options, I’m here to guide you every step of the way with fast, local expertise in Minnesota, Wisconsin and Arkansas.

Call/Text Luke Wolf at (715) 977-1210
Email: LWolf@myfthl.com

Luke Wolf | Loan Officer | FT Home Loans
NMLS #2279891 | Branch NMLS #2728148
Equal Housing Lender

Serving Minnesota and Wisconsin homebuyers with fast pre-approvals, clear communication, and local mortgage expertise. Proudly helping families and Realtors across:
Woodbury • Stillwater • Hudson • New Richmond • Hastings • Edina • Cottage Grove • St. Paul • Minneapolis • Somerset • River Falls • Baldwin • Roberts and State Wide

© 2025 Luke Wolf – FT Home Loans | Loan Officer NMLS #2279891 | Branch NMLS #2728148 | Equal Housing Lender | lwolf@myfthl.com | 715-977-1210
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