Homeownership on your
I’ve spent over 20 years in banking and mortgage, and here’s the truth: a rate quote isn’t a plan. I find the "gotchas" before they can kill your deal. Whether you’re buying your first home or your fifth, I’m here to make sure you get the keys on time.
that.
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Homeownership on your terms.
that.
Kallander
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We’ve seen every scenario—so you don't have to.
We don't do 'cookie-cutter'.
You spent years in school; now it’s time to settle in. We specialize in Doctor Loans with low down payments and student debt flexibility.
The medical professional
Navigating New Construction is a different beast. We handle the draws, the timelines, and the local nuances from start to finish.
The Builder & DreameR
Whether it’s a cabin in Lake Country or a year-round retreat, we know the ins and outs of Second Home financing and lake property quirks.
The Lake Life Enthusiast
Your tax returns might be complex, but your mortgage shouldn't be. We’re experts at finding the path to "Yes" for Business Owners.
The Self-Employed Visionary
Looking for a standard FHA, VA, or Conventional loan? You get the same "seen-it-all" expertise and the same guarantee of an on-time closing.
the everyday buyer
Whether your situation is straightforward or "it's complicated," we make sure your move is a win.
Kayla Kallander
I’ve spent over 20 years in the banking and mortgage world, but I’ll be the first to tell you: I know exactly how it feels to be on your side of the desk. I’ve bought the homes and felt that 'what-if' knot in my stomach. I know that behind every loan application is a real family, a big dream, and a lot of hard work.
I’m a Fargo-Moorhead girl through and through, and while I’m licensed to help people in 48 states, my heart is right here in the Midwest. When I’m not hunting down 'gotchas' for my clients, you can usually find me at the lake in Purham, spending time with my hubby and dogs, or supporting the Homeward Animal Shelter.
Whether you’re feeling overwhelmed by the process or you’re ready to make a bold move, I want you to know: You’ve got this, and we’ve got you. Let’s get you home.
Here's a little about me
I'm Kayla, but my friends call me 'KK'
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Join our refi watchlist
Waiting for rates to drop? We'll alert you when refinancing your mortgage will actually save you money. No daily rate checking. No complex calculations. Just a simple alert when the time is right for your specific loan. Get peace of mind knowing we've got you.
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We had an absolutely outstanding experience working with Kayla Kallander. From start to finish, she completely tuned in to what we needed throughout the mortgage process. Every step was explained clearly and every question was answered with patience. If you’re looking for someone who is truly exceptional at what they do, then Kayla is everything you could hope for in a mortgage lender. We couldn’t recommend Kayla more highly!
Marco Lozano
Working with Kayla Kallander was one of the best decisions we made during our recent home-buying journey. She was truly everything we needed in a mortgage lender—and so much more. From start to finish, Kayla provided an exceptional level of care, guidance, and expertise that made the entire process stress free and manageable.
Stephanie Hakel
Imagine seeking a pre-approval at 8:30am on a Friday and having it by 3pm that day. We don’t have to imagine because that was our reality!! We cannot recommend Kayla enough. She helped us get into our first home and her and her team were there for any and all questions throughout the process. If you’re looking for a lender who approaches your mortgage as if it were their own, Kayla’s who you’re looking for!
Breanna Egeland
Kayla was absolutely fantastic to work with! From our very first call to the final day at closing, she took great care to answer all of our questions and relay information in a timely manner. We were so impressed with the attention to detail and level of service provided. We absolutely recommend Kayla!
Randy Blankenship
Kayla helped me buy my first home in 2023 and just helped me refinance this month - both times she made the entire process so easy and stress-free. She always goes above and beyond, is quick to answer any questions, and genuinely cares about her clients. I’d recommend her to anyone looking for someone kind, knowledgeable, and amazing to work with!
Alie Kooima
As a first-time homebuyer, I was nervous about the process and had no idea where to start—but working with Kayla Kallander made everything feel manageable and stress-free. I would 100% recommend her to anyone looking for a mortgage lender—especially first-time homebuyers. She’s the best!
Paige Anderson
Kayla was so helpful as we navigated finding our new home. She made the process easier than we expected. I highly recommend Kayla!
Allison Weckman
Kayla Kallander is an excellent lender. She is not only a lender—she is an outstanding guide and a perfect coach. I appreciate her support.
Mustari Khanaum
We cannot say enough positives about our experience working with Kayla! Communication was consistent and reassuring, and it truly felt like she cared—not just about the loan, but about us as people. Highly recommend!
Kia Tompkins
NEW Episodes Weekly
It's Real Podcast
Andrew Yaggie and I pull back the curtain on what it takes to win in today’s market. From financing and ND/MN specific programs, to the mindset shifts required to build lasting wealth, we cover it all.
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families helped since 2017
650+
Years in Banking & MOrtgage
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