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The St. Croix Valley's Only TenPenny Vetted Mortgage Pro We only vet one per county, if they don't meet our standards, we list no one.

Andrew Nilssen - The Mortgage Guy

Making Dreams Come True...One Mortgage at a Time!!

TenPenny Verification Status

We did the homework so you don't have to.

Last Verified Jun 1, 2026

Our Interview with Andrew Nilssen - The Mortgage Guy

In speaking with Andrew, what stood out was his honesty and work ethic, he's clearly someone who puts clients first and takes pride in guiding them through one of life's biggest financial decisions. With over 20 years in mortgage lending, he pairs deep experience with a genuine, pressure-free approach you don't always find in this business.

โ€œHonest, hardworking, and genuinely in your corner, We make the mortgage process feel like guidance, not a sales pitch.โ€ Andrew from The Mortgage Guy

What TenPenny Vetting Means

Unlike other directories that let anyone list themselves, every TenPenny contractor goes through our 7-point verification process. We contact insurance providers directly, verify licenses with state databases, run background checks, and confirm reviews are from real customers. Then we sit down with them, every contractor gets a personal interview with our team so we can look them in the eye and make sure they share our standards for quality and customer service. Only contractors who pass every check earn the TenPenny Vetted badge. Every TenPenny Vetted pro clears this check before earning the badge, and we re-check when their licensing or coverage changes.

How It Works

  1. 1

    Get a Free Quote

    Tell us about your project. No obligation.

  2. 2

    We Check the Details

    We confirm your project is a good fit.

  3. 3

    They Contact You

    Andrew Nilssen - The Mortgage Guy is your vetted, trusted local pro.

About Andrew Nilssen - The Mortgage Guy

With over 20 years of mortgage lending experience across Wisconsin and Minnesota, Andrew Nillssen, "The Mortgage Guy", helps clients navigate home buying and refinancing with clarity and zero pressure. Based in Roberts, WI with his wife Jennifer and their two children, Andrew brings a personal understanding of how much home, stability, and community matter. That perspective drives his client-first approach: helping people make informed, confident decisions that support their long-term goals.

Home Purchase and Refinance Services

Residential Home Purchase and Refinance Services

Expertise in FHA, VA, USDA, Conventional, Refinance, and Specialty Programs

Where Andrew Nilssen - The Mortgage Guy is the TenPenny Vetted pro

These are the service areas where Andrew Nilssen - The Mortgage Guy holds the exclusive TenPenny Vetted spot.

Request a Free Quote

Andrew Nilssen - The Mortgage Guy

Tell us about your project and we will connect you. No obligation.