Matko Lending LLC- NMLS #2656175

Matko Lending LLC- NMLS #2656175 Independent mortgage broker in Lakeville, MN - enthusiastic, positive, and client-focused. Happy to help with all your mortgage needs!

I have 12+ years of experience, access to great rates and programs, and always work with your best interest in mind.

05/30/2026

100% Blessed. Have a good weekend Friends and Fam!

I love helping others with their home financing, whether it's building wealth, managing debt, or solving problems that g...
05/19/2026

I love helping others with their home financing, whether it's building wealth, managing debt, or solving problems that get in the way of both.

To me, the mortgage process is a lot like eating a bag of Nerds Gummy Clusters:

- They're hard at first (like underwriting), but the end result is worth it

- No two clusters (nor mortgages) are exactly alike

- Both can take a toll on your health if you overdo it

If you need me, here's where to find me:

Nick Matko - 952.484.1613 | [email protected]
NMLS #1105711; Matko Lending LLC - NMLS #2656175
Equal Housing Lender; Licensed in Minnesota

Nerds Gummy Clusters were eaten during the writing of this post.

05/06/2026

Quick heads up MN friends –

If you or someone you know is buying a home in Minnesota before June 30th, one of my lender partners just rolled out something sweet: a 1-year temporary buydown - that they are picking up the tab for!

In plain English, it means significantly lower payments for your first year in the home – a time when extra expenses tend to creep up and when having some breathing room can be a big help. And the lender is covering that cost.

After that first year, payments would hit their stride at the standard rate, and important to know that you'd qualify for that normal payment, not the lower number. The lower payment is like a bonus that you get 12 times; once each month for the first year.

If you are busting out your Thomas Edison-inventing hat trying to come up with a way to make the first year of homeownership more affordable, I think something like this might be a solution worth your time.

Shoot me a call, email, or text if you’d like to learn more and I would be happy to walk anyone through it! Please note - some restrictions will apply and not everyone will qualify.

Appreciate you all,

Nick Matko - Mortgage Broker and Owner @ Matko Lending LLC
NMLS #1105711 / Company NMLS #2656175
952-484-1613
[email protected]

-92,000 jobs in February. This anemic jobs report would have likely sent mortgage rates tumbling lower if it were not fo...
03/06/2026

-92,000 jobs in February.

This anemic jobs report would have likely sent mortgage rates tumbling lower if it were not for the military conflict in Iran.

Instead, as oil prices continue to rise due to ongoing tensions in the middle-East and inflationary pressure, we are grappling with higher interest rates and the prospect of them continuing to go higher until this situation calms.

What if you or your clients have been waiting for rates to drop so you can buy/refi? Here's some insight worth noting.

As pointed out by Barry Habib and the MBS Highway Morning Update earlier this week, with military conflicts like this over the past 5 or so years, we've seen an initial spike in oil and bond yields - which brought mortgage rates up with them. However, in each of those instances, we saw things settle down and return to normal within three weeks of the initial rise.

We're still in the early stages of the conflict (7 days in) so we're monitoring it closely and will keep clients informed, but hopefully it will be similar to previous instances and this will not last too long before the downward momentum regains control.

If you have any questions about timing a purchase or refi with everything going on, feel free to reach out - happy to talk through it.

Praying for a peaceful resolution.

Have a great weekend everyone,
Nick

May God's Blessings rest on all of us as we remember His greatest gift, Jesus.Merry Christmas everyone!
12/23/2025

May God's Blessings rest on all of us as we remember His greatest gift, Jesus.

Merry Christmas everyone!

Every homebuyer is unique... 🥸 🤠 👽 For those who need a QUICK turnaround - look no further than this option right here! ...
11/19/2025

Every homebuyer is unique... 🥸 🤠 👽

For those who need a QUICK turnaround - look no further than this option right here! Contact me anytime if you'd like to learn more!

God Bless,
Nick

11/08/2025

I am truly grateful for the opportunity to help so many awesome people with buying or refinancing their homes. Please reach out to me if you would like to learn more about your options!

Interest rates near 3-year lows? Sounds like great news for MN homebuyers and homeowners with higher interest rates who ...
10/21/2025

Interest rates near 3-year lows?

Sounds like great news for MN homebuyers and homeowners with higher interest rates who could benefit from a refinance!

Mortgage News Daily just reported yesterday afternoon (Oct. 21st):

"We're hanging out near 3-year lows with minimal volatility."

I'm here hanging with those rates near 3-year lows for as long as possible. ☕ 👍 🏠

Please reach out if you're interested and would like to run numbers with an independent mortgage broker like me - I'm available anytime!

I do purchases, refinances, or even mortgage check-ups to make sure you're in a good spot.

Thanks!

Nick Matko w/ Matko Lending LLC
952-484-1613
[email protected]
www.matkolending.com
Company NMLS #2656175 / Individual NMLS #1105711
Lakeville, MN
Licensed in MN only
Equal Housing Opportunity Lender

📢 Big news for homeowners!Fannie Mae just updated refinance rules - meaning more flexibility and more cash back at closi...
10/02/2025

📢 Big news for homeowners!
Fannie Mae just updated refinance rules - meaning more flexibility and more cash back at closing.

✨ I’m a mortgage broker here in Lakeville, Minnesota - here’s how it could help you…

Swipe through these 12 quick slides to see what’s changed and how it could help you 👇

Let everything that breathes praise the Lord!
09/11/2025

Let everything that breathes praise the Lord!

Address

Lakeville, MN
55044

Opening Hours

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

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