Minnesota Mortgage
Female-Owned · Veteran-Operated · Minnesota-Trusted Since 1999

The Mortgage Broker Who Gets Your Loan Done — No Matter What

From first homes to complex divorce situations, Rainbow Mortgage Inc. leverages an extensive lender network and deep industry expertise to find the right loan for every client across Minnesota, North Dakota, and Florida.

Apply Online Now Explore Loan Options
MN · ND · FL Licensed
In Business Since 1999
Direct Access to Leadership
Divorce Mortgage Specialists
25+
Years in Business
3
States Licensed
100s
Loans Closed
1
Call to the Top
Why Rainbow Mortgage

Brokers, But Better

We're not a call center. We're not a big bank. We're Gale and David — two experienced professionals who personally handle every loan from start to close.

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You Reach the Decision-Makers

When you call Rainbow Mortgage, you reach Gale, the President, or David, the VP — not a call center. Real answers from real experts, every time.

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We Shop So You Don't Have To

Our extensive lender network means we compare rates, products, and terms across the market to bring you the best option for your situation.

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Fast Underwriting, Fewer Headaches

Quick underwriting turnaround keeps your purchase or refinance moving forward without the delays that plague big banks.

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Divorce Mortgage Specialists

Navigating a mortgage through divorce requires specialized knowledge. We guide you through every financial and logistical complexity with clarity and care.

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Challenging Loans Welcome

When other lenders have turned you away, Rainbow Mortgage finds creative solutions and the right program for your unique circumstances.

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Female-Owned, Veteran-Operated

A local business built on the values of service, integrity, and commitment — to our clients and to our community.

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Licensed Across Three States

Serving clients in Minnesota, North Dakota, and Florida with the local knowledge and regional expertise your transaction demands.

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Deep Industry Experience

Founded in 1999, Rainbow Mortgage brings decades of hands-on mortgage expertise to every loan — from straightforward purchases to complex scenarios.

Loan Programs

Every Loan. Every Situation.

From conventional purchases to complex divorce scenarios, we have the programs and the expertise to get your loan closed.

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Conventional Loans

Flexible, competitive conventional loan programs tailored to your financial profile and homeownership goals.

Learn More →
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FHA Loans

Government-backed FHA financing with flexible qualification requirements, ideal for buyers with lower down payments or rebuilding credit.

Military
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VA Loans

Honoring those who served — VA loan programs that help veterans and service members achieve homeownership with favorable terms.

Ranch
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USDA Loans

Rural and suburban buyers may qualify for USDA programs offering low-to-no down payment options with competitive rates.

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Home Purchase

From pre-qualification to closing, we guide every buyer through every step of securing the right purchase loan.

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Refinance

Reduce your rate, access equity, or restructure your loan — we find the refinance strategy that best fits your financial goals.

Divorce Mortgage Specialist
Core Specialty
⚖️

Mortgage & Divorce

Specializing in the complex intersection of mortgage and divorce, we help you understand your options and navigate transitions with confidence and clarity. We work closely with attorneys to ensure everything is handled correctly.

Learn About Divorce Mortgages →
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Challenging & Complex Loans

Non-traditional income, unique properties, or prior credit challenges? We have the lender relationships and expertise to find a path forward. When others say no, we find a way.

Twin Cities Mortgage Brokers
1999
Year Founded in Minnesota
Our Story

Local Experts.
Personal Service.
Real Results.

Rainbow Mortgage Inc. was founded in 1999 with a simple belief: getting a home loan should never feel like fighting a bureaucracy. Based just off 494 and France in Edina, MN, we operate as a female-owned, veteran-operated independent mortgage brokerage — which means our loyalty is always to you, not to a single lender's product line.

When you work with Rainbow Mortgage, you work directly with Gale, our President, and David, our VP. Two experienced professionals who know your file, answer your calls, and stay personally invested in your outcome from application to closing. That kind of direct access is rare in this industry — and our clients notice the difference.

We specialize in the loans that require real expertise: divorce situations, challenging credit profiles, and transactions that big banks give up on. Serving clients across Minnesota, North Dakota, and Florida, our extensive lender network gives us the tools to find solutions where others see dead ends.

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Edina, MN Office
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Female-Owned Business
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Veteran-Operated
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Independent Broker
Call 952-405-2090
Why Clients Choose Us

The Rainbow Mortgage Difference

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We Do the Shopping For You

Our extensive lender network means more options, better rates, and a loan that actually fits your life — without the legwork.

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Direct Access to Leadership

Call us and reach the President or VP directly. Your loan is never handed off to someone who doesn't know your story.

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Divorce Mortgage Experts

A rare and essential specialty — we've guided countless clients through the financial complexities of mortgage and marital transition.

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In Business Since 1999

Decades of mortgage experience in the Twin Cities market means we've seen every market cycle and solved every kind of challenge.

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Female-Owned, Veteran-Operated

Built on a foundation of service and integrity, with a deep commitment to the communities we serve.

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Licensed in MN, ND & FL

Whether you're buying locally or across state lines, Rainbow Mortgage has the licensing and local knowledge to guide your transaction.

How It Works

Your Path to
Closing Day

A clear, simple process — with Gale and David by your side at every milestone.

1

Connect With Our Team

Reach out online or by phone and speak directly with Gale or David. We learn about your situation and goals before anything else.

2

Explore Your Loan Options

We shop our extensive lender network on your behalf, presenting the rates, products, and programs that fit your specific needs.

3

Choose Your Program

We walk you through your options in plain language — no jargon, no pressure — so you can make a confident, informed decision.

4

Fast, Streamlined Underwriting

Our quick underwriting process keeps your transaction on track, with proactive communication at every milestone.

5

Close With Confidence

We stay engaged through closing day and beyond, ensuring every detail is handled and every question is answered.

Minnesota & Beyond

Serving the Twin Cities

Minnesota Mortgage Company
Twin Cities Mortgage Brokers
Twin Cities Mortgage
Client Stories

What Our Clients Say

⭐⭐⭐⭐⭐

"Working with Rainbow Mortgage, Inc. was like a breath of fresh air — they did in four hours what the other large mortgage company couldn't do in four months!"

Trish J.
Hastings, MN
⭐⭐⭐⭐⭐

"Dave & Gale are very efficient and quick; their communication skills are just out of this world. They provided amazing service during my refinance."

Matt J.
Chanhassen, MN
⭐⭐⭐⭐⭐

"Thank you for the extra work you put into getting this loan approved. I am very impressed with your tenacity, flexibility, and positive nature — truly, you are my hero."

Leeanne M.
Minneapolis, MN
⭐⭐⭐⭐⭐

"We found out we qualified for our loan during our first phone call with Dave! This is a very responsive team that gets you the answers fast!"

Thomas S.
Robbinsdale, MN
⭐⭐⭐⭐⭐

"I would award them a gold star. The personal contact throughout the entire process was excellent and catered to my situation."

Megan S.
Minneapolis, MN
⭐⭐⭐⭐⭐

"Dave and Gale are awesome to work with. The thing I liked best about Rainbow Mortgage was the personal service — service was impeccable!"

Lloyd H.
Bloomington, MN
⭐⭐⭐⭐⭐

"Don't change a thing — this was my best experience of any closing!"

Dennis D.
Lakeville, MN
⭐⭐⭐⭐⭐

"I really appreciated the way Gale explained everything in detail and made sure I understood every step of the process. I am totally satisfied!"

Brenda S.
Eagan, MN
⭐⭐⭐⭐⭐

"Working with Rainbow Mortgage, Inc. was like a breath of fresh air — they did in four hours what the other large mortgage company couldn't do in four months!"

Trish J.
Hastings, MN
⭐⭐⭐⭐⭐

"Dave & Gale are very efficient and quick; their communication skills are just out of this world. They provided amazing service during my refinance."

Matt J.
Chanhassen, MN
⭐⭐⭐⭐⭐

"Thank you for the extra work you put into getting this loan approved. I am very impressed with your tenacity, flexibility, and positive nature — truly, you are my hero."

Leeanne M.
Minneapolis, MN
⭐⭐⭐⭐⭐

"We found out we qualified for our loan during our first phone call with Dave! This is a very responsive team that gets you the answers fast!"

Thomas S.
Robbinsdale, MN
⭐⭐⭐⭐⭐

"I would award them a gold star. The personal contact throughout the entire process was excellent and catered to my situation."

Megan S.
Minneapolis, MN
⭐⭐⭐⭐⭐

"Dave and Gale are awesome to work with. The thing I liked best about Rainbow Mortgage was the personal service — service was impeccable!"

Lloyd H.
Bloomington, MN
⭐⭐⭐⭐⭐

"Don't change a thing — this was my best experience of any closing!"

Dennis D.
Lakeville, MN
⭐⭐⭐⭐⭐

"I really appreciated the way Gale explained everything in detail and made sure I understood every step of the process. I am totally satisfied!"

Brenda S.
Eagan, MN
Got Questions?

Frequently Asked Questions

We offer a full range of loan programs including conventional, FHA, VA, and USDA loans, covering home purchases, refinances, and specialized situations like divorce and challenging credit scenarios.

As an independent mortgage broker, we aren't limited to one lender's products. We shop your loan across an extensive network of lenders to find the best rates and terms for your situation — and you always deal directly with our principals, not a rotating team of representatives.

Yes — divorce mortgage guidance is one of our core specialties. We help clients understand their options for keeping, selling, or refinancing a marital home, and we work closely with attorneys to ensure the process is handled correctly.

Challenging loans are something we actively welcome. Our broad lender network and deep experience with complex situations means we often find solutions for clients who have been told no elsewhere.

Rainbow Mortgage is licensed to serve clients in Minnesota, North Dakota, and Florida.

When you call Rainbow Mortgage, you reach either Gale, the President, or David, the VP. You work directly with experienced leadership throughout your entire loan process.

You can apply online through our website, call our office, or request a complimentary report to understand your home's value or refinance options. We're ready to help whenever you are.

Absolutely. We have established working relationships with real estate professionals and attorneys across the region, and we pride ourselves on delivering a streamlined, communicative experience for all parties in a transaction.

Ready to Get Started?

Let's Find the Right
Loan For You

Whether you're buying your first home, refinancing, or navigating a complex situation — Rainbow Mortgage is ready to go to work for you.

Apply Online Now Call 952-405-2090
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Phone
952-405-2090
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Email
dave@rainbowmortgageinc.com
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Location
Edina, MN (near 494 & France)
Get Directions