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We are your Minnesota MHFA and FHA First Time Home Buyer EXPERT!


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Minnesota MHFA First time home buyer loan providerHomeownership Is Still the American Dream. We make it possible with FHA or Minnesota's MHFA First Time Home Buyer Mortgage Programs (Minnesota Housing Finance Agency)

We are proud to make YOUR home buying dreams come true!

Owning your own home is a goal most Americans continue to strive for, but in today's economy many families are wondering if things have changed. Just a short time ago everyone agreed that it was a seller's market, yet buyers were everywhere hoping to get on the bandwagon while prices were appreciating at double-digit rates.

Click HERE to run our Rent VS Buy CalculatorToday that has all changed. The sellers market has turned into a buyer's market. So where are all the buyers? Mixed messages from the media, concerns about home loan financing and the mortgage industry, and fears about selling an existing home have all played a part in drying up the real estate market.

But the bottom line is that homeownership is still a great choice for many, many families today. Let us show you how!

Q: As a first-time buyer, should I wait until prices go lower to buy a home?
NO! If you continue to wait, you may never be able to afford to get into the housing market. Even as home prices have currently moderated - or even dropped in some places, this will not continue. Furthermore rents are now climbing, which may make is harder for you to save more money to buy a home. The best way to build wealth is to own a home.

Buy a home with a $100 down payment!
Call me or APPLY to learn about The $100 down HUD REPO Loan

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Click here to apply online

http://upfrontmortgagebrokers.org

Benefits of MHFA Mortgage Loans

Three Mortgage Loan Programs

Program Guidelines

To be eligible for a Minnesota Mortgage Program loan you must:

MHFA qualifying income graph  

Homeownership Assistance Fund (HAF)  

The Homeownership Assistance Fund (HAF) is available only to borrowers participating in the CASA mortgage loan program. The program provides Entry Cost Assistance to help borrowers with their down payment and closing costs and Monthly Payment Assistance, which pays a portion of a borrower’s monthly mortgage payments during the early years of the loan.

Borrowers qualify for HAF assistance is they meet one of the following criteria;

  • Eligible for CASA program
  • Single headed household
  • Household of color or Hispanic ethnicity
  • Household contain person(s) with disabilities
  • Borrowing purchasing in a low income tract
  • Household earns less than 60% of medium income

HAF money is NOT FREE. It is an Interest free loan which is paid back when the homeowner sells, refinances, no longer occupies the home or pays off the first mortgage.

* For MHFA loan purposes, first time homebuyer is defined as anyone who has not owned a home or an interest in a home in the past three years.


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Joe Metzler, MMS, UMB
Senior Mortgage Banker
971 Sibley Memorial Hwy
Saint Paul, MN 55118

Phone (651) 552-3681

Map
Fax (651) 994-6425

MAMB

Equal Housing Lender - Our services available only for properties located in Minnesota, Wisconsin, and Florida. PLEASE DO NOT KEEP US A SECRET from your FRIENDS. Licensed as Great Rivers Mortgage, LLC and Mortgages Unlimited, Inc. As a Lenders One partner, we are part of the 9th Largest Retail Mortgage Originators in the country. We were recently ranked as 8th largest in Minnesota, by Minneapolis/St. Paul Business Journal. Any use or duplication of any materials is  strictly prohibited.  All images, text, and materials Copyright ©  1998-2008. Metzler Enterprises, LLC. All Rights Reserved.

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