The Kosmecki Team

The Kosmecki Team: Mortgage Loans with Digital Management

The Kosmecki Team is a mortgage loan origination team led by David Kosmecki, branch manager and team leader with NMLS #265365, operating under Primary Residential Mortgage, Inc. (NMLS #3094). The team presents itself as specialized in offering the lowest possible cost to the client and outstanding customer service, with a digital process that allows completing the application online.

Financing Products

The loan catalog includes options for purchase and refinancing, with specific programs based on the applicant's profile:

• Low down payment purchase loan
• Fixed-rate mortgage
• FHA, USDA, and VA loans
• First-time homebuyer programs
• Rehabilitation and construction financing
• Adjustable-rate mortgage
• Reverse mortgage
• ITIN loans

The company also mentions experience in fix & flip operations and in placing the most suitable loan for each client.

Loan Process

The site describes a structured six-stage process: application with initial documentation, pre-approval, home search with a real estate agent, loan processing, documentation review by the underwriter, and closing at the title company. According to the published information, closings typically occur in less than 30 days.

Digital Tools

The team offers clients a mobile mortgage app, the ability to apply for a loan online, secure document upload, and calculators for conventional, VA, FHA, and USDA mortgages. It also maintains a learning center with a blog and a credit information section.

Profile and Presence

David Kosmecki is listed as branch manager and team leader, with NMLS ID #265365 and license 3094 MN-BR-2772760. The team has several loan officers and offers the possibility to schedule a discovery call for both buyers and real estate agents. The company states it has funded thousands of loans and has third-party reviews giving it a 5 out of 5 rating.

Offices

The Kosmecki Team operates from four locations: Champlin (Minnesota), Shakopee (Minnesota), Appleton (Wisconsin), and Irmo (South Carolina). The corporate office of Primary Residential Mortgage, LLC is in Salt Lake City, Utah.

Locations and Offices

Champlin Location: 11108 Zealand Ave N, Ste 104, Champlin, MN 55316

Shakopee Location: 410 Fuller St S, Ste 155, Shakopee, MN 55379

Appleton Location: 161 S Riverheath Way Ste 2000, Appleton, WI 54915

Irmo Location: 203 Hope Creek Dr, Irmo, SC 29063