Dear Touchstone Energy
Cooperative Members,
On behalf of the team of mortgage advisors dedicated to serving Touchstone Energy Cooperative members, employees and families, I would like to take this opportunity to announce the new Member Mortgage Benefits as part of the Co-op Connections program. This program grants members exclusive access to custom mortgage benefits for any completed refinance or purchase with Nations Lending.
Learn MoreTo be eligible borrower must apply at https://apply.nationslending.com/signup?referrerId=coop.connection, for more info call 866-305-COOP or email [email protected]. Borrowers utilizing bond loan programs for mortgage financing are not eligible for this benefit. Loan must close in order to receive gift card. Other restrictions may apply, cannot be used with other coupons or offers, ask personal mortgage advisor for more details. Redeem only at 3552 West River Parkway NW, Rochester, MN 55901 | Branch nmls# 2503322 Valid: 11/13/2023-12/31/2024
What you
can expect:
• Exclusive to Co-op Connections® Members: 1% of the loan amount up to $1,000 in a gift card or Lender Credit!
• Variety of products and programs
• Dedicated mortgage team and superior customer service
• Seamless, secure and efficient digital mortgage loan application
• Secure document uploading and messaging
• Around the clock loan status
Nations Lending provides exceptional customer service with a variety of products and programs designed for your needs. I have a dedicated team here to help you achieve your dream of homeownership or assist with a refinance. Please contact me at any time with your questions, comments and feedback. Thank you again for entrusting Nations Lending with your mortgage needs and look forward to working with you.

*Borrowers utilizing bond loan programs for mortgage financing are not eligible for this benefit.Loan must close in order to receive gift card. Other restrictions may apply, cannot be used with other coupons or offers, ask personal mortgage advisor for more details. Redeem only at 3552 West River Parkway NW, Rochester, MN 55901 | Branch nmls# 2503322 Valid: 11/13/2023-12/31/2024
Working with you.
Working for you.
Life is messy. Mortgages aren’t always easy. Our team at Nations Lending will walk you through the process step-by-step until your goals of home ownership are achieved.
Dedicated Team
Convenience & peace of mind
Why Nations Lending?
We exceed client expectations with superior knowledge of the loan process and will assess the best option for you. Honesty and integrity are foundational pieces of our business. We treat our clients like family, providing insight and advice often absent in the business of buying and selling homes.
Attention to detail
Rather than wanting to just get your business, we want to learn about our clients. Everything from understanding your needs, to what lifestyle suits you, to how you like to communicate is in our interest. This helps us create an attentive home-buying experience for you and your family.
Seamless process
With a team of the most experienced lenders in the market, there is no area that we cannot help you with. We will guide you and explain every step of the process from starting your application to closing your home loan. By the end of the journey, you will be the expert!
Meet Our Trusted Team
We’re full of friendly team members with years of mortgage experience. We work with buyers, sellers, and Realtors every step of the way.

RON PICKETT
Team Lead for Touchstone Clients
Personal Mortgage Advisor | NMLS# 533142
My mission is to change the perception that all lenders and loan officers are created equal. I use the same motto today that I did earlier in my career: Know your customer, care about your customer, and act in their best interest. Allow our team of mortgage professionals earn your business!
866-305-COOP
[email protected]
Meet the rest of our team
Loan Types

It makes for the perfect type of loan to meet the needs of buyers from all walks of life.
FHA Loans Offer:
• Minimum down payment of only 3.5%
• Credit score as low as 500*
• Flexible debt-to-income ratios
• 100% of down payment and closing costs can be a gift
• Flexible reserve requirements
• Up to 6% seller contributions towards closing costs and pre-paid items
We Offer:
• Purchase loans
• Rate-term refinancing
• Cash-out refinancing
• Streamline refinance
• 203(h) - Mortgage Insurance for Disaster Victims
FHA

We offer:
• Low down payment options
• Eligible sources of funds include gift funds from eligible sources
• DPA assistance that may be available in your local markets
• Zero down payment options for VA and USDA buyers
• Reduced Mortgage Insurance requirements for certain programs
• FICO scores as low as 500 on certain products
1st Time Buyers

We offer:
• Purchase loans
• Rate-term refinancing
• Cash-out refinancing
Conventional

This jumbo loan product also supports a lower-than-industry average required down payment -perfect for those buyers who want to keep more cash in the bank – with all the benefits exceeding those of a conforming loan.
We Offer:
• Purchase, no cash-out refinance and cash-out refinance
• All occupancy types
• Loans to $2M
• Jumbo AUS
• Non-Warrantable Condos
• No Mortgage Insurance
• First-time homebuyers permitted
• Blended ratios
Jumbo

Find the perfect place to kick off your boots with 100% financing available or explore interest rate reductions or cash out refinance options.
We Offer:
• Purchase loan
• Cash-out refinancing
• Interest Rate Reduction Refinance Loan (IRRRL)
VA

Whether you are an experienced or a first-time homebuyer, you may be able to qualify for a USDA home loan with no money down! These government backed loans are perfect for families and individuals interested in purchasing homes in rural communities. Ask your personal mortgage advisor if this is the right loan for you!
We Offer:
• Purchase
• No cash-out refinance
• Streamline Refinance
• Simple Refinance
USDA
BRANCH NMLS. 2503322 | 3552 W RIVER PARKWAY NW ROCHESTER, MN 55901 | 844-375-2122