Kim Novotny

Mortgage Lender
Rochester, MN Area

NMLS# 756172

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Kim uses her in-depth knowledge and more than 25 years of experience to help her clients smoothly navigate the mortgage loan process. She enjoys getting to know her clients and seeing the smiles on their faces when they purchase a new home. When you choose Kim and Home Federal, you’ll appreciate her knack for finding customized mortgage solutions for your financial situation.

First time buying a home?

Starting the home buying process for the first time may feel overwhelming and exciting all at once. As a first-time homebuyer, you may be asking yourself questions such as, “Do I have enough money for a down payment?” or “What are the benefits of buying over renting?” Enlist Kim to help you find special programs and services designed specifically for first-time homebuyers. When you’re ready, sit down with Kim to figure out how you can position yourself to purchase your first home.

Kim’s Advice: “Do your research and talk with your Mortgage Lender to ensure that you know the necessary steps to prepare for the home buying experience.”

Looking to buy your next home?
If you’re interested in building a new home or purchasing your next home, you can count on Kim to assist you through every step of the home loan process. She’ll help you explore all your options to find the home loan that’s right for you. Kim will use her 25 years of banking industry experience to find a mortgage loan for your next home purchase, even if it’s a new build, investment property, or vacation home. Set up a meeting with Kim to discuss possibilities for your next home.

Interested in refinancing an existing loan?
Shortening the term of your loan, consolidating debt, and removing private mortgage insurance are all possible outcomes when you refinance a current home loan. As interest rates improve, refinancing could potentially put you in a better place financially – simply reach out to Kim to find the best solution for you.

Get in touch with Kim to ask her about the home loan process or start on your online mortgage loan application today.


“As a first-time home buyer, the mortgage process can be an overwhelming amount of new information. Kim took the time to explain everything! She made it easy to understand and was always available if I had questions. She went above and beyond to make sure everything went smoothly! I couldn’t have asked for a better experience.”

“The purchasing and closing of our lake home was such an easy process with Kim. She made sure there was nothing left undone and we were able to close on time without any issues. We would definitely suggest her to our friends and family if they were to need such great service.”

“Kim was a joy to work with as I made a rather complicated home purchase and she was calm and patient with me, answering all my questions and putting my mind at ease.  Kim was a real professional during this process, and I highly recommend her services.  Thanks Kim, for a job well done!”

“I have used Kim as my mortgage loan officer for the past two houses that I have purchased and have had nothing but an excellent experience. Kim is very pleasant to work with and explains things thoroughly! She also is very efficient and prepares you for all of the steps to surprises! Kim works hard to get you the best deal or program to fit your needs. I would recommend Kim to all of my friends!”


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Kim Novotny
Kim Novotny
NMLS# 756172
MN Housing Platinum Level Top Producing Lender