731 E. 7th St., Suite 300
Saint Paul, MN 55106
(651) 300-9411 (651) 300-9411
[email protected]
Specializes in
Purchase and Refinance
Purchase and Refinance
Refinance Loans
Refinance Loans



About Amber

Amber Garofalo is proud to offer an extensive background in originating, processing, underwriting, closing and servicing mortgages. This vast experience brings customers the highest level of service from application to beyond the closing.

Amber has been in the industry for over two decades and has helped thousands of families achieve the American dream of homeownership. She is a Certified Mortgage Planning Specialist and helps clients at all stages; first time homebuyers, downsizing clients, and building. CrossCountry Mortgage is licensed in all 50 states, meaning Amber always has a network in place to get you connected.

Amber is able to provide an even more seamless process via the team approach. Tim and Dawson collect documentation to get your file ready for approval. Loan Partners Jean, Jamie and Katie work on everything from contract to close. Sherri assists the team on various marketing projects. Administrative assistant, Lisa, is here to guide the entire team. Clients rave about the team experience – prepare for some fun along the way!

With this vision that teams are better together, The Amber G Team is proud of its numerous mortgage industry accolades. These include: Scotsman Guide Top Producers; MN Monthly Award for Best Mortgage Professionals and MSP Magazine Super Mortgage Professionals; each award standing for several years. Amber is a graduate of The CORE Training, an elite mortgage professionals coaching program. Amber is a member of the CCM NOW (Network of Women) group compromised of top female loan officers in the company, with its goal to motivate one another in reaching new levels of success.

Amber lives in Grant, MN and is married to husband, Joe, with two children, Megan and Gavin. An animal lover having grown up on a farm in Wisconsin, they have two dogs, Simba and Marzi. Fun fact: Amber loves traveling and is a licensed pilot. She has been flying since age 16 and still flies recreationally.


Recent Posts and Articles

  • How to Get a Mortgage Post-COVID After Employment Changes

    One of the more significant changes that came out of COVID that we are seeing in the mortgage marketplace is that so many clients have moved from a standard job to self-employed type of work. Come learn how to navigate through these changes. 
  • 4 Reasons Why a Housing Market Crash Isn’t Coming

    It’s springtime and the real estate market has been red hot! If you're selling your home or are a homeowner tracking your home's value, you've likely been really happy this year. If you're a homebuyer, you probably haven't been as happy.
  • new construction home in Park Place Village

    We could not be more excited to introduce you to Park Place Village, a brand new executive development for the community of beautiful Hudson, Wisconsin. Built by Divine Custom Homes as their first exclusive Hudson development, this esteemed builder is is known for exceeding the industry minimums in quality and efficiency.

  • Give Them a Helping Hand

    As college tuition continues to rise along with housing costs and rents, I’m surprised more parents don’t consider utilizing homeownership to help offset the overall costs. Did you know that if you have students attending college, or even if you have elderly parents, you can buy a home for them and it can be treated as a primary residence? 

The American Dream, CNBC, Bloomberg, Travel Channel logos

Financing the American Dream in Minneapolis and St. Paul

Amber is the host of Financing the American dream, a series covering topics related to homeownership in the Minneapolis and St. Paul, Minnesota market. Financing the American Dream airs on CNBC, Bloomberg, the Travel Channel, and Apple TV.

See Past Segments


Helping your home financing process go smoothly.

  • There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

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