Scott Gruel Home Loans

Scott Gruel Home Loans Residential Loan Originator for over 20 years. Specializing in VA, FHA, Conventional and RD. Down payment assistance available to qualifying individuals.

NMLS 324500

Fall is the perfect time to refresh your home - and lay the groundwork to harvest your investment in the future. Dreamin...
08/20/2026

Fall is the perfect time to refresh your home - and lay the groundwork to harvest your investment in the future. Dreaming of an outdoor chef's kitchen? Want to bump-out your bath? With a Home Equity Line of Credit, you can unlock your equity for projects that make everyday living better inside and out. With flexible access to funds now, you can enjoy the payoff for years. Learn more and explore all your options.

https://www.rate.com/mortgage/resource/energy-efficient-renovations-heloc?LOID=40914

When buyers fall short on down payment funds, deals can stall. With Access Down Payment Assistance (AccessDPA), you've g...
08/13/2026

When buyers fall short on down payment funds, deals can stall. With Access Down Payment Assistance (AccessDPA), you've got a flexible solution to help them move forward. No income caps, no first-time buyer rules - just the support clients deserve and the tools you need to keep the momentum going. Let's talk!

http://rate.com/scottgruel

Live better in the home you love. The Rate App cuts the stress, stacks the perks and puts home, money and wellness in on...
08/11/2026

Live better in the home you love. The Rate App cuts the stress, stacks the perks and puts home, money and wellness in one place. Free, simple and made for everyday life - so now you've got me and the Rate App looking out for you every step of the way. Download it today!

https://www.rate.com/rate-app?LOID=40914

Our new Digital Mortgage makes homebuying simple, fast and stress-free - with fully underwritten credit approvals that d...
08/06/2026

Our new Digital Mortgage makes homebuying simple, fast and stress-free - with fully underwritten credit approvals that deliver confidence and peace of mind. Let's chat about how our updated Digital Mortgage could work for you and your clients.

http://rate.com/scottgruel

At, Rate we've revolutionized homebuying. And now, our reimagined Digital Mortgage is faster, smarter and more intuitive...
08/04/2026

At, Rate we've revolutionized homebuying. And now, our reimagined Digital Mortgage is faster, smarter and more intuitive than ever. It makes homebuying simple, fast and stress-free, with pre-approvals that deliver peace of mind. Homebuying's a big decision. Choose the process that makes it feel like it isn't.

https://apply.guaranteedrate.com/start/start?emp-id=40914

Buying a home in 2026 doesn't start with listings, it starts with understanding where you stand financially. Taking time...
07/28/2026

Buying a home in 2026 doesn't start with listings, it starts with understanding where you stand financially. Taking time now to review income, debt and savings makes it easier to know what you can comfortably afford while avoiding surprises later. Preparing early helps create clarity and confidence when you're ready to make a move. Learn more about preparing for 2026.

https://www.rate.com/mortgage/resource/how-to-prepare-your-finances-to-buy-a-house?LOID=40914

Getting the keys to your new home should be the beginning of enjoying it, notthe start of another to-do list.That's why ...
07/23/2026

Getting the keys to your new home should be the beginning of enjoying it, not
the start of another to-do list.
That's why we offer Rate Concierge, powered by OneSource.
It's a complimentary service that helps coordinate utilities and essential home services
before move-in so everything is ready when you arrive.
No juggling multiple providers.
No scrambling to schedule installations.
Just one place to help take care of the details.
If you're preparing for a move, I'd be happy to help you get connected.
Let's help you skip to the good part.


https://www.rate.com/rateconcierge?LOID=40914

Tired of trying to time your home sale just right? With Rate Bridge, you don't have to. Get up to 85% of your equity bef...
07/21/2026

Tired of trying to time your home sale just right? With Rate Bridge, you don't have to. Get up to 85% of your equity before selling, so you could buy your next home with less stress and a stronger offer. Ask your Rate Loan Officer how to get started.

http://rate.com/scottgruel

The most informed buyers ask the smartest questions.Before signing anything, you should understand your loan options, yo...
07/16/2026

The most informed buyers ask the smartest questions.
Before signing anything, you should understand your loan options, your interest rate, your closing cost and your timeline. Knowing what to ask your lender puts you in control of the process.
I broke down 20 of the most important questions every buyer should bring to their lender, from rates and down payments to pre-approvals and fees. Smart mortgage decisions begin here.
Considering buying? Start with these questions

https://www.rate.com/mortgage/resource/questions-to-ask-mortgage-lender?LOID=40914

Address

855 W Broadway Ste B
Forest Lake, MN
55025

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+16125991993

Website

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