Conventional
A flexible fit for buyers with stable income and credit. Competitive pricing, options as low as 3% down, and the ability to remove mortgage insurance over time.
- 3%–20% down
- Primary, second home or investment
- Fixed and adjustable terms
Financing that fits real life
Loan programs built around you.
As a broker I'm not limited to one lender's shelf. That means the program can follow your situation, whether that's a first purchase, a self-employed income structure, or a growing rental portfolio.
FHA
Built for buyers who need more flexibility on credit history or down payment while keeping predictable, structured financing.
- 3.5% down
- More flexible credit review
- Gift funds allowed
VA
For eligible veterans, active-duty service members and surviving spouses. Among the strongest financing available anywhere.
- No down payment required
- No monthly mortgage insurance
- Reusable entitlement
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
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
DSCR & Investor
Qualify an investment property on its own rental income rather than personal tax returns. Built for portfolio growth.
- No personal income docs
- 1–4 unit and short-term rentals
- LLC vesting available
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
Self-Employed & Bank Statement
Alternative documentation for business owners whose tax returns understate real cash flow.
- Bank statement income
- P&L options
- Asset depletion
Program details are general summaries, not offers of credit. 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.