Mortgage resource library
Understand the loan before you sign for it.
Every guide below is written for Minnesota borrowers and reviewed for accuracy on program requirements, documentation and timelines. Nothing here is a commitment to lend, and eligibility always depends on your full profile.
Buying a home
Buyer guides
How pre-approval, affordability, credit and closing costs actually work for Minnesota buyers.
First-time home buyer guide
Step-by-step path from budget to keys, including assistance program basics.
Mortgage pre-approval
What underwriters review, what documents to gather and typical timelines.
How much house can I afford?
Debt-to-income ratios, taxes and insurance, and payment comfort ranges.
Credit scores and mortgages
Score ranges by program and what typically moves a score before applying.
Closing costs explained
Lender fees, prepaids and escrows, plus how seller credits are applied.
The mortgage process, step by step
Application through closing, with the checkpoints that cause delays.
Mortgage insurance (PMI and MIP)
How it is priced, when it can be removed and how programs differ.
Loan programs
Program guides
Program eligibility varies by credit, income, property and occupancy. These guides explain the differences in detail.
Conventional loans
Down payment options, conforming limits and mortgage insurance removal.
FHA loans
Flexible credit review, down payment minimums and property requirements.
VA loans
Eligibility, entitlement reuse, funding fee exemptions and appraisals.
USDA loans
Eligible areas, household income limits and zero-down structure.
Jumbo loans
Above-conforming financing, reserves and detailed underwriting review.
Down payment assistance
Minnesota Housing programs, repayment structures and eligibility limits.
Self-employed and bank statement
Tax-return qualification versus alternative documentation options.
DSCR and investor loans
Qualifying on property cash flow, LLC vesting and rental strategy.
Renovation loans
FHA 203(k) and conventional renovation financing and draw process.
Refinancing
Refinance guides
When a refinance makes sense, and how to compare the structures available.
Still have questions?
Answers to the questions borrowers ask most.
The FAQ covers pre-approval timelines, down payments, credit and self-employed financing. Local pages cover what changes market by market.
For illustration only. Not a commitment to lend, a rate quote, or a Loan Estimate. Actual payments and terms depend on credit, property, program and market conditions at the time of application.