Margaret Tozier
Mortgage Loan Officer
NMLS #402052
Metro Minnesota
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Home is more than just four walls—it’s where life happens. For nearly 40 years, my husband and I have called the Minnesota-Wisconsin border home. We raised two wonderful daughters here, and now I get to spoil my four grandsons. I believe home is where memories are made, and that’s why I’m passionate about helping others find theirs.
After 20+ years in mortgage lending, I know that buying a home isn’t just about numbers—it’s about people. Every homebuyer has a story, and that’s what drives me as a mortgage lender—to listen, and make the home-buying process simple, stress-free, and personal.
GIVING BACK
Giving back is just as important to me. I’m actively involved in the Woodbury, Oakdale, and Ellsworth Chambers, teach financial literacy to high school students, and you’ll always find me at the Ellsworth Cheese Curd Festival every summer—it’s tradition!
Expertise
- First-time Homebuyers
- Construction to Permanent Mortgage
- FHA/USDA Financing
- VA Loans (Veterans)
- Low Down Payment Options
Buying a home should feel exciting, not overwhelming. Whether you’re a first-time homebuyer, moving up, or refinancing, I’m here to help.