Loan Programs Built for First-Time Buyers

We don’t force you into one product. We find the program that actually fits your situation and goals.

Conventional Loans

The everyday 30-year fixed-rate loan most people think of. First-time buyers can put as little as 3% down. Everyone else starts at 5%. Competitive rates and flexible terms.

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FHA Loans

Government-backed loans with more flexible credit and income guidelines. Down payment as low as 3.5%. Great option when conventional guidelines feel too tight.

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VA Loans

For eligible veterans, active-duty service members, and surviving spouses. $0 down, no private mortgage insurance, and competitive rates. One of the strongest benefits available.

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USDA Loans

Zero-down loans for eligible rural and suburban properties. Income limits apply, but if you qualify it’s an excellent way to buy with no money down.

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Down Payment Assistance

State and local programs that can reduce (or almost eliminate) your cash needed at closing. Popular Minnesota programs can start as low as $1,000 down for income-qualified buyers.

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Other Options

Bank-statement loans, investment property financing, multi-unit purchases, and more. If it involves a mortgage, we’ve probably closed it.

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Helping first-time buyers

Not sure which program is right?

That’s exactly what we’re here for. Most first-time buyers don’t know the difference between FHA, conventional, or assistance programs — and they shouldn’t have to figure it out alone.

We’ll look at your income, credit, down payment, and goals, then show you the cleanest path to closing.

Mortgage Calculator

Rate is for illustration only and is not a locked offer. Contact us for a quote based on today’s market.

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Estimated Monthly Payment $0 Principal & Interest Only
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*Estimate only. Does not include taxes, insurance, or HOA fees.

Ready to see real numbers?

Start with a quick qualify or jump into the full application.