Mortgage Loan Programs in Minnesota

Finding the right mortgage loan programs in Minnesota starts with knowing what’s actually available to you, before you fall in love with a house you can’t finance the way you want.

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Fixed Rate Mortgage

Lock in your rate and know exactly what your payment is every month for the life of your loan.

FHA Loan

Buy a home with as little as 3.5% down. A government-backed loan with flexible qualification standards.

VA Loan

You earned this benefit. No down payment, no PMI, and competitive rates for veterans and active-duty service members.

Rehab Loan

Buy a home and fund the renovation in a single loan. No need to choose between what you can afford and what you actually want.

USDA Loan

Zero down payment for eligible buyers in rural Minnesota. Check your property address before you rule it out.

Jumbo Loan

Buying a high-value home in the Twin Cities? The rate you get depends on who’s shopping for you.

First Time Home Buyer

Education first, no pressure. A local broker, author, and educator who helps you understand the process before you sign anything.

Low Down Payment Options

You don’t need 20% down to buy a home. Most buyers don’t put that much down.

Investment Property

Growing your real estate portfolio in Minnesota? Let’s find the right financing for your next property.

Bank Statement Program

Self-employed? Qualify using your deposits instead of your tax returns.

All In One Loan

Your deposits work against your mortgage balance every day. Pay your home off faster without paying more.

DSCR Home Loan

Qualify using rental income, not your tax returns. Built for real estate investors in Minnesota.

Seller-Paid Buydown

Ask for the right concession and your payment starts lower from day one.

Refinance

Send me your mortgage statement. I’ll tell you if a refinance actually makes sense for your situation.

Cash-Out Refinance

You may have more equity sitting in your home than you realize. Let’s find out if accessing it makes sense.

VA Loan Refinance

Already have a VA loan? The IRRRL and cash-out options could lower your rate or put equity to work.

What types of mortgage loan programs are available in Minnesota?
Options include conventional fixed-rate loans, FHA, VA, USDA, jumbo, and specialty programs like bank statement loans and DSCR loans for investors. The right one depends on your down payment, credit, income type, and what you’re buying.

Do I need 20% down to buy a home in Minnesota?
No. Most buyers don’t put 20% down. FHA loans start at 3.5%, VA and USDA loans can go to zero down for eligible buyers, and conventional loans often allow much less than 20% too.

How do I know which mortgage program is right for me?
It depends on your credit, income, down payment, and the property you’re buying. We go through your specific numbers with you before recommending anything, that’s the whole point of doing this education-first.

What’s the difference between an FHA loan and a conventional loan?
FHA loans are government-backed with more flexible credit and down payment requirements, which makes them a fit for a lot of first-time buyers. Conventional loans often work better once your credit and down payment are stronger, since they can mean lower long-term costs.

Can self-employed buyers or investors get a mortgage in Minnesota?
Yes. Bank statement loans let self-employed borrowers qualify using deposits instead of tax returns, and DSCR loans let investors qualify using rental income instead of personal income.