507-513-7119

wayd.wangen@rate.com

Guaranteed Rate · NMLS #370509

Rochester Deserves a Mortgage Advisor Who Actually Listens

Wayd Wangen brings personalized mortgage expertise to every borrower in the Rochester community — combining the stability of a national lender with the care of a local professional who knows your goals and your market.

NMLS Licensed
Local Expertise
Responsive Communication

Mortgage Solutions

Comprehensive Lending Services
for Every Stage of Your Journey

Purchase Mortgages

Whether you're a first-time buyer or upgrading to your forever home, I guide you through every step — from pre-approval to closing — with clarity and confidence.

Refinance

Lower your rate, shorten your term, or tap into your home's equity. I analyze your situation to find the refinance strategy that truly works for your financial picture.

Conventional Loans

From 97% financing to jumbo loans, conventional mortgages offer flexibility and competitive rates tailored to your credit profile and down payment.

FHA & VA Loans

Government-backed programs with lower down payment requirements and more flexible qualifying criteria — ideal for first-time buyers and veterans.

Jumbo Loans

Larger loan amounts for premium properties in the Rochester area. I help you navigate the unique requirements of jumbo financing with confidence.

Local Market Expertise

Deep knowledge of the Rochester, MN housing market means I can advise on loan programs that align with local price points, neighborhoods, and opportunities.

Professional mortgage advisor office setting in Rochester, Minnesota
Guaranteed Rate Nationally Trusted Lender

About Wayd Wangen

Your Rochester Mortgage Advisor

I believe that buying a home or refinancing shouldn't feel like navigating a maze alone. As a mortgage loan originator with Guaranteed Rate and NMLS #370509, I bring a straightforward, client-first approach to every interaction.

Based here in Rochester, I understand this community — the neighborhoods, the local market dynamics, and the unique financial situations families and professionals face in our area. Whether you're near the Mayo Clinic campus, settling into a family home in a Rochester suburb, or considering an investment property, I tailor my guidance to your specific circumstances.

My commitment is simple: clear communication, honest advice, and a process that respects your time. You'll never be left wondering what happens next — I keep you informed at every stage, from your first inquiry through closing day and beyond.

Transparent Guidance
Client-First Approach
Local Rochester Expertise
Responsive Communication

How It Works

Your Path to Closing
in Four Clear Steps

01

Initial Consultation

We begin with a conversation — no pressure, no obligation. I'll learn about your goals, your timeline, and your financial situation so I can recommend the right loan program for you.

02

Pre-Approval

Once we identify the best approach, I'll guide you through the pre-approval process. This strengthens your position with sellers and gives you a clear budget to shop within.

03

Processing & Underwriting

With Guaranteed Rate's infrastructure behind me, your file moves efficiently through processing and underwriting. I keep you updated at each milestone so there are never any surprises.

04

Closing Day

The final step — and the one you've been working toward. I coordinate with all parties to ensure a smooth closing, and I'm available afterward whenever you have questions.

Client Experiences

What Rochester Borrowers
Have Said

"Wayd made what I thought would be a stressful experience feel straightforward and manageable. He took the time to explain each option and helped us find a rate that fit our budget. We couldn't be happier with our new home."

Sarah M. Rochester, MN

"As a veteran, I wanted someone who understood VA loans and cared about getting me the best deal. Wayd was patient, knowledgeable, and always available to answer my questions — even the ones I kept asking over and over."

James T. Rochester, MN

"Refinancing felt overwhelming until I reached out to Wayd. He walked me through the numbers, showed me exactly how much I could save, and got us closed faster than I expected. Highly recommend him to anyone in the area."

Linda & David K. Rochester, MN

Get in Touch

Let's Start Your
Mortgage Conversation

Whether you're ready to apply or just have questions, I'm here to help. Reach out by phone, email, or by filling out the form — I respond to every inquiry personally.

Phone 507-513-7119
Office 2746 Superior Dr NW Ste 210
Rochester, MN 55901
NMLS #370509

Send a Message

By submitting this form, you agree to be contacted regarding your mortgage inquiry. All information is kept confidential.

Message Sent

Thank you for reaching out. I'll review your message and get back to you within one business day.

Is this your business?This is my business