Financing that fits real life

Loan programs built around you.

Through Edge Home Finance I have access to a wide set of lenders and programs, so the loan can follow your situation, whether that's a first purchase, a self-employed income structure, or a growing rental portfolio.

Conventional

Flexible financing options for qualifying borrowers, with multiple down-payment structures and the potential to remove mortgage insurance when applicable requirements are met.

  • Low-down-payment options may be available for qualified borrowers.
  • Primary, second home or investment
  • Fixed and adjustable terms
Read the Minnesota conventional loan guide →

FHA

Built for buyers who need more flexibility on credit history or down payment while keeping predictable, structured financing.

  • FHA financing may offer low-down-payment options for eligible borrowers.
  • More flexible credit review
  • Gift funds allowed
Read the Minnesota FHA loan guide →

VA

VA financing offers valuable benefits for eligible veterans, active-duty service members and qualifying surviving spouses.

  • Eligible VA borrowers may qualify with no down payment, subject to VA eligibility, lender requirements, property eligibility and borrower qualification.
  • No monthly mortgage insurance
  • Reusable entitlement
  • VA loans are made by private VA-approved lenders, not by the Department of Veterans Affairs directly. Rates, terms, and eligibility requirements are set by the individual lender.
Read the Minnesota VA loan guide →

Jumbo

Financing above conforming loan limits for higher-value properties, with underwriting reviewed in detail up front.

  • High balance financing
  • Portfolio and bank options
  • Asset-based review available
Read the Minnesota jumbo loan guide →

USDA

Rural development financing for qualifying borrowers purchasing eligible primary residences in designated areas.

  • Eligible USDA borrowers may qualify with no down payment, subject to USDA eligibility, lender requirements, property eligibility and borrower qualification.
  • Property must be in a USDA-eligible area
  • Household income limits apply by county
  • USDA program availability is subject to annual funding and may be limited or paused based on program demand and federal appropriations. Contact Andrea to confirm current eligibility and availability.
Read the Minnesota USDA loan guide →

Down Payment Assistance

Minnesota Housing and lender-specific programs that pair a first mortgage with help toward down payment and closing costs.

  • First-time buyer friendly
  • Income and price limits apply
  • Layered with FHA or conventional
Read the Minnesota down payment assistance guide →

DSCR & Investor

DSCR programs may allow qualifying real estate investors to be evaluated primarily using the property's cash flow rather than traditional personal-income documentation.

  • Personal-income documentation requirements differ from traditional programs
  • 1-4 unit and short-term rentals
  • LLC vesting available
Read the DSCR & investment property guide →

Renovation

Finance the purchase and the improvements in one loan so a dated property can become the right property.

  • FHA 203(k) and conventional
  • Repairs rolled into the loan
  • Contractor coordination
Read the Minnesota renovation loan guide →

Self-Employed & Bank Statement

Alternative documentation for business owners whose tax returns understate real cash flow.

  • Bank statement income
  • P&L options
  • Asset depletion
Read the self-employed mortgage guide →

Program details are general summaries and are for general educational purposes. They are not an offer or commitment to lend. Program availability, terms and eligibility vary based on loan program, borrower qualifications, property type, occupancy and other factors. Eligibility, down payment, credit score, income, occupancy, property type and program limits vary by lender and change over time. Down payment assistance programs have income and purchase price limits and limited funding. Ask for current specifics on your scenario.

Not sure where you fit?

Most people don't, at first.

One conversation usually narrows it to two or three real options. Bring your questions, not your paperwork.