One Application. Every Loan Option.
Through our network of top national wholesale lenders, we have access to a vast array of loan programs — so we can serve nearly every borrower. Browse by category below, or let a loan expert match you in minutes.
Government-Backed Loans
Low or zero down payment, flexible credit — backed by FHA, VA, and USDA.
FHA
As little as 3.5% down, credit scores from 580, gift funds and down-payment assistance allowed.
VA
Zero-down loans for service members, veterans, and their families — with flexible credit requirements and limited fees.
USDA
Zero-to-low down payment for homes in USDA-designated rural areas. Low credit scores allowed.
Conventional & Jumbo
Competitive wholesale pricing for primary homes, second homes, and rentals.
Conventional
From 3% down with strong rates — the most popular path for qualified buyers.
Jumbo
Financing above conforming limits for higher-value homes, priced by competing lenders.
Fixed & Adjustable Rates
Lock in certainty with a fixed rate, or start lower with an ARM — we'll show you both side by side.
First-Time & Affordable
Programs designed to lower the barrier to your first (or next) front door.
First-Time Buyer
Low down payments and step-by-step guidance from application to keys.
Home Possible & HomeReady
3% down conventional programs with reduced mortgage insurance for moderate incomes.
Grants & Down-Payment Assistance
Grant and assistance programs that can cover part or all of your down payment.
Investor & Specialty
Qualify on cash flow or bank statements — not tax returns.
DSCR
Qualify with the property's rental income — no personal income docs.
Fix & Flip
Short-term funding for purchase plus rehab, closed fast.
Bank Statement
Self-employed? Use 12–24 months of deposits instead of tax returns.
Foreign National
Invest in U.S. property without U.S. credit history.
Not sure which loan fits? Let's find out together.
Answer a few questions and a licensed Minnesota loan expert will match you with your best options. No pressure, no credit impact. Or call 763-321-8705.