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Twin Cities · MinnesotaMortgage lender in Ramsey County, MN
Yes. Stellar Mortgage Corporation, NMLS #2190975, is licensed in Minnesota and makes purchase and refinance loans in Ramsey County: conventional, FHA, VA, USDA, jumbo and non-QM. Steve Umansky, NMLS #61764, is our licensed loan officer for Minnesota. For 2026 the one-unit conforming loan limit here is $832,750 and the FHA limit is $552,000.
Reviewed by Steve Umansky, Sr. Branch Manager, NMLS #61764,
Buying in Ramsey County
Ramsey County, with its county seat in St. Paul, also takes in Maplewood, Roseville, Shoreview, White Bear Lake and New Brighton. Ramsey County files are handled by Steve Umansky, Sr. Branch Manager, NMLS #61764, who is licensed in Minnesota, from our Southampton, PA office.
- 2026 conforming limit
- $832,750
- 2026 FHA limit
- $552,000 (one-unit, set by HUD)
- Above the conforming limit
- Jumbo pricing
- Closing commonly handled by
- title company
- State housing agency
- Minnesota Housing (general information; not a participating lender)
- Your officer
- Steve Umansky, NMLS #61764
2026 limits for a one-unit property. Ramsey County is not designated a high-cost area for conforming loans, so the national baseline of $832,750 applies. Sources: FHFA conforming loan limit values and HUD FHA mortgage limits.
Ramsey County: St. Paul and its close-in suburbs
St. Paul’s housing is among the oldest in Minnesota, with many homes built before 1940 and duplexes throughout the city. The city requires a truth-in-sale-of-housing report at sale. Older homes are where an FHA or VA appraisal is more likely to raise condition items, so we ask about condition before the offer.
Prices in St. Paul and the inner suburbs are moderate for the Twin Cities, and FHA loans are a common fit for first-time buyers. Roseville, Shoreview and White Bear Lake are established suburbs with townhome and condominium associations. Ramsey’s deed tax is slightly higher than the statewide rate, and it appears in your estimate.
Ramsey County by the numbers
- Median home value
- $326,600 (Census Bureau, ACS 2020–2024, table B25077)
- Typical property tax
- About 1.21% of home value a year: median tax bill $3,966 on a median value of $326,600 (Census Bureau, ACS 2020–2024, table B25103)
- Transfer tax
- Deed tax of 0.34% of the price in Ramsey County (Minn. Stat. § 287.21)
- Largest communities
- St. Paul, Maplewood, Roseville, Shoreview (Census Bureau, ACS 2020–2024, table B01003)
The county median home value is $326,600. The 2026 one-unit conforming loan limit here is $832,750 and the FHA limit is $552,000.
Census figures are survey estimates for owner-occupied homes, not appraisals or tax quotes. We use the actual tax bill for the property when we quote.
Closing and programs in Minnesota
Closings in Minnesota are typically handled by a title company. The closing process, state transfer and recording taxes and first-time buyer programs are covered on the Minnesota page. Property taxes are set locally; we take the figure from the tax record for the address.
Questions Ramsey County buyers ask
Does Stellar Mortgage lend in Ramsey County, MN?
Yes. Stellar Mortgage Corporation, NMLS #2190975, is licensed in Minnesota and makes purchase and refinance loans in Ramsey County: conventional, FHA, VA, USDA, jumbo and non-QM. Steve Umansky, NMLS #61764, is our licensed loan officer for Minnesota and works Minnesota files from our Southampton, PA office by phone, secure portal and e-signature.
What are the 2026 loan limits in Ramsey County?
For 2026 the conforming loan limit for a one-unit home in Ramsey County is $832,750 and the FHA limit is $552,000. Ramsey County is not designated a high-cost area for conforming loans, so the national baseline of $832,750 applies. Limits for two- to four-unit properties are higher.
Is there down payment help for buyers in Ramsey County?
The Minnesota Housing runs Minnesota’s homebuyer programs, which can include help with the down payment and closing costs for buyers who meet its income and price limits. Stellar Mortgage is not a participating lender for those programs, so this is general information; the agency’s website lists participating lenders.
Who pays the transfer tax in Ramsey County?
The deed tax is 0.33 percent of the price, or 0.34 percent in Hennepin and Ramsey counties. A separate mortgage registry tax applies when the mortgage is recorded. The contract sets who pays the deed tax.
Limits shown are the 2026 FHFA and HUD figures for Ramsey County. Loan limits, tax rates and agency programs are set by third parties and change. Not a commitment to lend.
Get pre-approved in Ramsey County
Three quick steps, about a minute. No Social Security number, no pay stubs. Steve calls you back, usually the same business day.
Equal Housing Lender · NMLS #2190975 4.94★ · 1,361 verified reviews on Experience.com
“You were always professional, responsive, patient, and helpful, and you made what could have been a stressful process feel smooth and easy.”Yelda A., North Wales, PA · verified review on Experience.com
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