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LOW Down Payment, ZERO Down, City, County, State Assistance
and 100% Financing programs!

It is the dream of everyone to own their own home. Many potential home buyers have the income and credit to qualify for a mortgage. However, many of them lack the one essential ingredient to make homeownership a reality; the up-front money needed for down payment and closing costs.

Gone are the days when the home buyers needed to scrape together 20 percent of the home's purchase price for a down payment. Today, the average buyer puts less than 6 percent down at the time of closing, according to figures compiled by the National Association of Realtors®.

HOW?
There are so MANY different programs designed to put you in a home with little or no out of pocket costs. Most zero down payment programs allow you to buy a home with NO Down Payment, PLUS allow you to finance most, if not all, of your closing costs in one loan at great interest rates! 

Example of just one of our most popular zero down first time home buyer loan in Minnesota.

• 100% financing, 30-yr fixed, NO PMI
• Single family homes only
• Min 680 score - 45% debt-to-income ratio
• 3% seller paid closing costs/contributions
• $1,000 min buyer contribution
• Home Buyer Class Required

Other amazing programs like FHA allow your down payment (as little as 3.5%) to be a GIFT (from a relative, friend, employer, or community program), to be financed, or even borrowed.

We have access to most of the popular city, county, and state assistance programs!

We also one of a very small select group of lenders to provide Minnesota's MHFA program, which now allows up to $10,000 in down payment and closing cost assistance to those who qualify.

That's right... NO down payment & NO out-of-pocket closing costs on many different programs, including:

• MHFA (Minnesota Housing Finance Agency) (both MMP and CASA). Including the NEW AFFORDABLE ADVANTAGE program!

• Multiple City, county, and state, down payment and closing cost assistance programs to choose from

• VA loans are a great deal for veterans. No down payment required!

• USDA Rural Development loans are still zero down! Learn more about USDA Rural Development loan availability and income qualification requirements

• FHA is probably the most popular minimum down, easy to qualify program. FHA programs allow for "down payments" of only 3.5%. The seller can (and usually does) pay your closing costs. The best part is that the entire 3.5% FHA down payment can be a GIFT from relatives or any number of city, county, and state assistance programs.

Now you have no reason NOT to buy!

THE BOTTOM LINE:
Whatever your situation, if you want to buy a home, we probably have a program that will work for you. Call us to discuss your options. There are no costs or obligations, plus we'll give you a FREE credit report.

You'll never know if you don't call, so call or APPLY ONLINE right now!