It is the dream of everyone to own their own home. Many potential home buyers in the Minneapolis, St Paul, Duluth, Rochester, Madison, Milwaukee areas, and throughout all of Minnesota and Wisconsin who think they can't, actually CAN qualify for a great home loan, with great mortgage rates, and mortgage loan program right for them!

Tired of Renting? Own for less than rent! APPLY

If you’re like most renters, you rent because you THINK you can’t afford a home,  you don’t have down payment money, or you simply won’t qualify for a loan. To make matters worse, you feel trapped within the walls of a house or apartment that doesn’t feel like yours.  How could it when you’re not even permitted to bang in a nail or two without a hassle!  You feel like you’re stuck in a renter’s rut with no way of raising up and out of it and owning your own home.

Well don’t feel trapped any more! I have already helped hundreds of local renters get out from under their landlord’s finger, and more into a wonderful home of their own!  You too can make this move by calling today for important details.  It doesn’t matter how insurmountable your situation may feel, if you have OK credit, we probably have financing for you.  Past bruised credit, bankruptcy, divorce, self-employed, all OK.

Stop wasting thousands of dollars on rent. Apply right now, and be in your own home next month!

Purchasing a home for the first time is truly one of life’s milestones. Homeownership is a worthy goal, and thanks to a variety of available financing options, it is a goal that is now in reach for more people. Today’s low mortgage rates make this a historically attractive time to buy, and new loan programs have helped to make the home loan application process simpler than ever before. Like any important goal in life, homeownership is a substantial responsibility, and there are a number of critical steps necessary to make the dream of buying that first home a reality. We specialize in helping first-time homebuyers of all kinds who have demonstrated that they are a worthy to own a home. For example, if you are comfortably paying rent, have OK credit, and have one year of rental history, you very well could be a homeowner.

While everyone’s individual financial situation varies, you need to make sure financing is in place BEFORE you start looking at homes or talking to Real Estate Agents. This is where we come in.

We have countless first time homebuyer success stories on file, and you can be one too! 

Buying a home is something we all dream about, usually for years. You may not have been able to save for a down payment, and therefore figured you could not buy a home. In today's mortgage market, a down payment is not always required. With a zero down mortgage, the amount of loan you can qualify for is determined by your ability to make your monthly payments rather than how large a down payment you've saved.

Stop renting. Start building your financial future, and get all your home owner tax benefits! We can show you how you'll be able to afford a home sooner, and you'll probably be able to afford more home than you think! 

You'll never know if you don't apply right now! Let us help you explore all your mortgage options.

Zero Down? No problem. We have some programs for that too, like USDA Rural Development, and VA home loans.

We specialize in helping first-time homebuyers of all kinds  We look forward to helping you!

Even if you are just starting to think about buying a home, give us a call or fill out an application 24/7. In about 10 minutes over the phone, we can tell you if you qualify. This service is absolutely FREE and takes just minutes. You have nothing to lose - except the chance to own your own dream home! So call now, because the call could be your first step in becoming a homeowner.

Ready? Click here to Get Started by filling out our home loan application.

THE BOTTOM LINE: It isn't as scary as you think. If you want to buy a home, we probably have a program that will work for you. There are no costs or obligations to apply for great home loans and low mortgage rates on your first time homebuyer loan in Minnesota and Wisconsin

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Grants, and Down Payment Assistance Programs
For First Time Home Buyers

Down payments for residential real estate purchases come in a variety of forms including your own money, grants, forgivable and deferred interest free government loans. You can also use retirement account loans, and everybody’s favorite, borrowing from your family.

 

The source of a down payment on your Minnesota or Wisconsin home loan may have implications on your overall financing options. Therefore make sure you have your loan officer involved early on when reviewing down payment options. We would be glad to help you with this process and any questions you may have along the way.

 

Grant and down payment assistance programs vary greatly by city, county, state, and federal rules, along with the property location. Many are offered by non-profit organizations funded by federal and state governments as incentives for homeowners to purchase in a particular area or city.  Below if a list of some programs. Apply Online right now so that one of our professional Loan Officers can see which downpayment assistance program in MN or WI is best for you.

Small list of some of the available Minnesota first time home buyer programs
This list is NOT all inclusive. Please contact the number listed for more information, then APPLY ONLINE to get started. As first time home buyer programs constantly come and go, please let us know if any program listed here is no longer available, or of any program you know about that should be added to this list.

Alexandria City Homestead Assistance Program (CHAP) (320) 762-1311
Alexandria Greater Minnesota Housing Fund The Trails Development Gap Financing Program (GAP) (651) 221-1997
Alexandria HRA Down Payment Assistance Program (DPAP) (320) 762-1311
Alexandria MHFA Gap Financing Program (GAP) (320) 762-1311
Austin/Mower County Homeownership Fund Program (507) 864-7741
City Living Program - City of St Paul and Minneapolis
Chaska Clover Ridge Owner Occupied Assistance Program (OOAP) (952) 448-2851
Dakota County CDA - Multiple programs (651) 675-4400
Dakota County First Time Home Buyer Program with down payment assistance
Duluth Neighborhood Housing Services "Homeownership Program with Employers" in Lincoln Park Grant (HOPE) (218) 727-8604
Duluth Neighborhood Housing Services of Duluth Homeownership Incentive Program (HIP) (218) 628-1057
Duluth NHS/Hillside Homeownership Incentive Program (HIPP) (218) 628-1057
East Grand Forks Downpayment Assistance Program (218) 773-2371
East Grand Forks New Construction Incentive (NCI) Program (218) 773-2371
Elliot Park Neighborhood Improvement, Inc. Homebuyers Assistance Program (612) 335-5885
Hutchinson Housing & Redevelopment Authority Down Payment Assistance Program (DPA) (320) 234-4451
Itasca County/Koochiching County KOOTASCA Community Action's Homebuyer Program (HBP) (218) 326-8539
Mankato Homeownership Program (HOP) (507) 387-8622
Mankato Revolving Loan Fund (RLF) (507) 387-8622
Minneapolis Equity Participation Loan Program (EPL) (612) 673-5289
Minneapolis Folwell Neighborhood Association First Time Home Assistance Program (FTHP) (612) 588-3033
Minneapolis Hawthorne Homestead Program (HHIP) (612) 339-0601
Minneapolis/MCDA Closing Cost Loan Program (CCL) (612) 673-5289
Minnesota Housing Finance Agency - MHFA, MMP, CASA, HAF Assistance
Multi Cities Tri-County Actions Programs, Inc. Homeowner Gap Financing Program (GAP) (320) 255-0705
Multi Counties Arrowhead Economic Opportunity Agency Inc Homeownership Opportunity Program (HOP) (800) 662-5711
Multi Counties Headwaters Housing Development Corporation Two Note Program (TNP) (218) 444-4732
Northfield Housing Assistance Program (NHAP) (507) 645-8833
Pennington County Affordable Housing Program (AHP) Community Revitalization Fund Program (CRF) (218) 637-2431
Pennington County Affordable Housing Program (AHP) Loan Pool Funds (LPF) (218) 637-2431
Pohlad Family Foundation - Minneapolis zip code 55411 and St. Paul zip code 55106. (651) 774-6995
Ramsey County First Time Home Buyer Grants Program (FBAP) (651) 266-8025
Red Lake County Affordable Housing Fund (AHF) Affordable Housing Loan Pool Fund (LPF) (218) 637-2431
Red Lake County Affordable Housing Fund (AHF) Community Revitalization Fund (CRF) (218) 637-2431
Rochester First Homes GAP Loan Program (GAP) (507) 281-7396
St Paul Community Neighborhood Housing Services, Down Payment Assistance Program (DPAP) (651) 292-8710
USDA Rural Development - Zero down for rural areas
Thief River Falls Slow Second Mortgage Program (SSMP) (218) 681-2500
Washington County First Time Home Buyer Grants Program (FBAP) (651) 266-8025
Woodbury - First Time Buyers and Foreclosure Buyers (651) 414-3438