Kit Johnston

Traditional and Reverse Mortgage Expert
Driven to deliver an exceptional experience

Kit Johnston, Senior Loan Consultant Specializing in the Rochester, Minnesota and Chatfield, Minnesota area.


1st Mortgage Solutions USA
1st Reverse Mortgage USA
NMLS #347539

7342 132nd Avenue SE
Chatfield, MN 55923

Kit Johnston is your trusted mortgage loan expert in both traditional forward and reverse mortgages in the Rochester, Minnesota and Chatfield, Minnesota area. 

Kit Johnston has been in the mortgage and real estate industry for over 30 years.  Kit’s passion for helping people transcends through generations of clients returning for his advice and expertise when it comes to making mortgage and real estate decisions.

Kit Johnston believes in the importance of always being readily available to his clients and serving them with the highest level of expertise.  He assists clients with Conventional Loans, Refinances, FHA Loans, Reverse Mortgages, Reverse Mortgage for Purchase, USDA Loans and VA Loans.  One of Kit Johnston’s specialties is assisting seniors with their financial needs now and into the future. 

Professionalism and Midwestern values are what Kit will bring to the table to ensure his clients receive the best possible service and have been placed in the best mortgage plan for now and the years to come!

Kit lives with his wife and two sons on their family farm in Southeast Minnesota. Kit enjoys all the outdoor activities such as hunting, fishing, and camping with his family.  Whenever he can he tries to catch the boys playing their local school baseball games.  He also has trained Retrievers for National competition in Field Trials.

Feel free to contact Kit Johnston your local Rochester, Minnesota and Chatfield, Minnesota Mortgage Loan Officer at (507) 261-0188.

Contact Me

Reverse Mortgage

A Reverse Mortgage/Home Equity Conversion Mortgage (HECM) is the Federal Housing Administration’s (FHA) federally backed reverse mortgage program and the most popular method for seniors to withdraw some of the equity in your home. To be eligible you must be 62+, own your home, be able to pay ongoing property charges, taxes and insurance, and the home must be your primary residence.


Home Equity for Conversion Mortgage for Purchase.

An FHA HECM for purchase is when a senior, age 62 or older, can buy a new principal residence using the proceeds from a reverse mortgage loan. This program enables these homeowners to relocate or downsize to a home that better meets their physical needs.




Financial Professionals