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Brent Merritt is a Partner and Senior Mortgage Consultant at Mortgage Capital of MN, specializing in home purchase loans & construction lending whether it be new home construction or that long awaited home remodel. Brent is an expert in the construction lending process and can walk you through every step of the process. He joined the company in April 2004. He is a 1999 graduate of St John’s University with a degree in Business Management. Brent has been a homeowner since 2000, and now resides in Orono with his wife Toni and their sons Mason, Bennett & Niles. He enjoys attending local sporting events and traveling with family.

“As your partner in the home financing process, I will provide updated market information and a variety of lending programs to meet your individual needs. In addition, I am committed to keeping you informed throughout the loan process, and am here to answer questions, explain options, and eliminate hassles and worry along the way.”

Our Services


Save money by taking advantage of the lowest rates available. Mortgage Capital of MN can help homeowners refinance an existing mortgage to reduce their monthly payments.

Debt Consolidation

Whether you need to pay off high-interest credit cards, put your kids through college, or just need cash now, we assist to consolidate debt and reach your goals.

Construction Management

Mortgage Capital can assist with all of your constructions needs. Whether you are looking for plans, looking for lots, creating a budget, or looking for builders, Mortgage Capital can help!

Electronic Disclosures

We make the process of getting approved for a loan easy by allowing you do view and approve documents electronically. You can sign documents right from your computer of mobile app.

Rapid Responses

In this fast moving world, we pride ourselves on being available for our clients when it is convenient for the client. At Mortgage Capital, we make ourselves available when it works for our clients. You will have direct access to your personalized loan officer throughout the mortgage process.

Loan Program Identification

All loan products are not created equal. We are experts in identifying the loan that make the most sense based on the current situation and future goals of our client. Down payments, interest rates, closing costs, and future plans are all important to consider when choosing your loan. We make sure we get you into the loan that is best for you.

Our Products