Teddy Bagley
Vice President of Mortgage Lending
As of this year, I have been in the mortgage business for 30 years. I have always had a passion for first time home buyers who then become my repeat customers. Over the years I have won accolades from MHFA and have sat on their lender committee at different times. I always meet my clients face to face as I believe that this is a relationship, not a job. Some of my clients I continue to keep in touch with as times goes by and try to always reach out at the holidays. I have gone to college more than once and have worked in a customer relation industry most of my life although my last focus was on teaching. I have a love of traveling internationally, gardening in the summer, motorcycles and cooking. I often use my co-workers as taste testers for new recipes that I alter or create.
Helpful tools and resources
No-fee personal loans
First-time homebuyer’s guide
Mortgage calculators
Loan options
See my video
Recent reviews
What people are saying
"Customer service from loan officer."
Sharman B. - Chaska MN | Jul 2022
"Because the service was incredible and they are always doing what they can to help! Especially Teddy"
Micahya S. - Le Sueur MN | Jul 2022
"Very friendly, informative, and always available to answer any questions."
Andrea R. - Newport MN | Jan 2022
"I really enjoyed working with this company. Even though, it is was stressful, I was so happy and amaze at the end. Teddy, the loan officer was really helpful and so nice to us. I give her 5 stars plus. She is wonderful. Also, everyone besides Teddy were great and help us to get our new home. This is an excellent company. I will recommend this company to everyone."
Akuele R. - Minneapolis MN | Dec 2021
"Teddy guided me through every step very clearly and smoothly, and went above and behind to overcome any possible obstacle that any other company would simply have passed on. It doesn't matter the size of the loan, she always gives the same best attention and costumer care"
Giuseppe C. - Plymouth MN | Dec 2021
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Today's rates
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This is NOT a mortgage loan approval or commitment to lend. The actual fees, costs, and monthly payment on your specific loan transaction may vary, and may include city, county, or other additional fees and costs.
Mortgage rates are offered exclusively through Guaranteed Rate and are subject to change without notice. If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. The payment amount does not include homeowners' insurance, flood insurance (if applicable), or property taxes that must be paid in addition to your loan payment. The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees (such as mortgage insurance, discount points, and origination charges). For home equity lines, the APR simply reflects the interest rate. When shopping for a mortgage, you can use the APR to compare the costs of similar loans between lenders.
One discount points equals one percent of your loan amount.
Some jumbo loan options may not be available to first\-time home buyers.
We based the mortgage interest rates shown on a 30\-day rate lock period. Under certain circumstances, a 30\-day rate lock may not be available. When you apply, you can choose to lock or float your interest rate range.
Mortgage rates and loan options displayed depend on a number of variables, including the accuracy of the information you have entered, which is subject to verification, credit and property approval.
These mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual credit score.
Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history up to the time of closing.
VA
If you meet the eligibility requirements of the VA program, gifts or grants may be used for down payments. Up to 100% financing may be available for qualified borrowers. Most VA loans require the borrower to pay a 'funding fee'. This fee may be paid out of pocket or financed into the loan amount. At the direction of the United States Congress and the Department of Veterans Affairs VA Funding Fees may increase or decrease without notice. Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture, or any other government agency.
Adjustable Rate Mortgage (ARMs)
Interest rates and payments may increase after consummation. After the initial fixed period, your interest rate may change periodically according to the market index. Any change may significantly impact your monthly payment. Since the index in the future is unknown, the First Adjusted Rate and Payments displayed are based on the current index plus the margin (fully indexed rate) at time of scenario/disclosure. Before choosing an ARM, you should decide if you can manage the maximum estimated payment if the rate increases. To fully understand minimum and maximum payments, please speak to a mortgage loan expert.