Travis Goltz-Mortgage Coach

08/08/2026

4.75 star review received on Experience.com for Travis Goltz by Angela B - Travis was very helpful with any questions along the way and was always quick to show me what assistance was available ensuring we got a good deal !

Click to see all 72 reviews of Travis Goltz - Granite Bank, Branch Manager | NMLS # 351337

08/07/2026

4.75 star review received on Experience.com for Travis Goltz by Dalton N - The process was very smooth and fast even though it took awhile to find a house. Very professional service.

Click to see all 72 reviews of Travis Goltz - Granite Bank, Branch Manager | NMLS # 351337

07/31/2026

5.0 star review received on Experience.com for Travis Goltz by Kou Y - Travis handled a lot of the difficult aspects of mortgage/financing. He took our calls and questions without hesitation. Him and his team are great to work with

Click to see all 70 reviews of Travis Goltz - Granite Bank, Branch Manager | NMLS # 351337

07/29/2026

5.0 star review received on Experience.com for Travis Goltz by Jason B - Travis was AMAZING!!! I couldn't have had a better experience!!! This guy knows how to take care of business!!! Outstanding 10 star rating!!! ❤️

Click to see all 69 reviews of Travis Goltz - Granite Bank, Branch Manager | NMLS # 351337

07/28/2026

5.0 star review received on Experience.com for Travis Goltz by DeAnn M M

Click to see all 69 reviews of Travis Goltz - Granite Bank, Branch Manager | NMLS # 351337

07/11/2026

5.0 star review received on Experience.com for Travis Goltz by Tawnya L - Travis and Jen were always very helpful when I had questions and they walked me through all the steps and were very patient.

Click to see all 67 reviews of Travis Goltz - Granite Bank, Branch Manager | NMLS # 351337

07/09/2026

5.0 star review received on Experience.com for Travis Goltz by Kenneth S - Personal approach and support throughout the

Click to see all 66 reviews of Travis Goltz - Granite Bank, Branch Manager | NMLS # 351337

06/23/2026

5.0 star review received on Experience.com for Travis Goltz by Katie U - Travis always went above and beyond his job duties to make everything easier and less stressful for me. It was quick and easy to get ahold of him and he was always able to answer my questions. I would definitely recommend and use again in the future! Thank you

Click to see all 65 reviews of Travis Goltz - Granite Bank, Branch Manager | NMLS # 351337

05/11/2026

Two people can make the exact same income…

And end up in completely different positions when it’s time to buy a house.

I see this all the time.

One person upgrades the truck, adds new payments, carries credit card balances, finances everything…

Then gets frustrated when they either:

* barely qualify
* get approved for less than expected
* or get hit with a worse rate

Meanwhile someone making the SAME money keeps their debt low, plans ahead, and walks in with way more buying power.

That’s because income is only part of the equation.

Your monthly debt matters too.

Especially:

* Car payments
* Credit card balances
* Buy Now Pay Later apps

I broke down how all of this actually affects mortgage approval in plain English 👇

https://travisgoltz.com/blog/car-loans-credit-cards-mortgage-approval/

Honestly… this is one a lot of people should read BEFORE they start house hunting.

Your car loan could be hurting your mortgage approval. Learn how debt, credit cards, and DTI affect home buying power in Minnesota.

05/08/2026

“Can I really make a cash offer if I’m getting a mortgage?”

I get this question constantly.

And honestly… I would’ve thought the same thing a few years ago too.

Because buyers have been told forever:

Cash wins.
Financing loses.

That’s just “how it is.”

But programs like Cash to Win are changing that.

Here’s the simple version:

We fully underwrite the buyer upfront through Granite Bank.

Then the home can be purchased with cash.

After that, the buyer closes on their mortgage and takes ownership.

So the seller gets the certainty of cash.

And the buyer gets a real shot at winning in a market where investors usually dominate.

It’s not magic.
It’s strategy.

And it’s helping buyers compete differently right now.

Got more questions about Cash to Win?

Drop them below or call me directly: 763-360-4507