Loan programs
Eight ways home. One honest guide.
Every program below has a job it does best. Debbie's job is matching you to the right one — even if that means talking you out of the one you came in asking for.
Conventional Loans
The workhorse of home financing — flexible terms, competitive costs, and down payments as low as 3% for first-time buyers.
Great for: Buyers with solid credit (roughly 620+, with better pricing as scores rise)
Explore →FHA Loans
The first-time buyer favorite — 3.5% down, friendlier credit requirements, and forgiving guidelines for real-life finances.
Great for: Buyers with credit scores in the 580–680 range
Explore →VA Loans
For those who served — $0 down, no monthly mortgage insurance, and some of the strongest terms in all of lending.
Great for: Veterans and active-duty service members with VA entitlement
Explore →USDA Loans
$0 down for homes in eligible smaller communities — many Twin Cities exurbs qualify, and most buyers have no idea.
Great for: Buyers looking at smaller communities and exurban areas
Explore →Jumbo Loans
Financing above conforming loan limits for higher-priced homes — with the same guidance and straight answers.
Great for: Buyers purchasing above conforming loan limits
Explore →Down Payment Assistance
Minnesota has real down payment help — Minnesota Housing programs can put thousands toward your down payment and closing costs.
Great for: First-time buyers (and some repeat buyers in targeted areas)
Explore →Refinancing
Lower the payment, drop mortgage insurance, tap equity, or shorten the term — when the math works, Debbie will show you. When it doesn’t, he’ll tell you.
Great for: Homeowners whose rate is meaningfully above today’s market
Explore →Reverse Mortgage (HECM)
For homeowners 62+: turn a portion of your home equity into usable funds — with no required monthly mortgage payment — while you stay in your home.
Great for: Homeowners 62+ who want to stay in their home and ease monthly cash flow
Explore →No idea where to start?
That's the most common starting point — and the easiest one to fix.
💬 Text Debbie: 320-980-3302Not sure which one fits?
Describe your situation in one text. Debbie will name the program.