Minimal Down Payment and Low Closing Costs. 
• Down payment just 3.5% of Sales Price
• Gift for down payment and closing costs allowed.
• Not just for first time home buyers.
• FHA regulated closing costs.
• Seller can pay up to 6% of sales price towards buyers costs.
Easier Credit Qualifying Guidelines such as: 
• Minimum FICO credit score of 640.
• FHA will allow a home purchase two years after a Bankruptcy.
• FHA will allow a home purchase three years after a Foreclosure.

FHA Cash Out Refinance In Minneapolis area

Cash-Out Refinance up to 85% for existing or new FHA mortgages. 
• Cash-Out up to 85% of your properties value.
• Consolidate first and second mortgages into single loan.
• Bill consolidation programs.
• Easier credit and income qualifications.
• FHA  regulated closing costs.
 

Rate and Term Mortgage Refinancing up to 96.5% of your homes value.

• Consolidate first and second mortgages  into a single loan.
• Competitive rates for borrowers with a Bankruptcy older than two years.
• Competitive rates for borrowers with a Foreclosure older than three years.
• Easier credit and income qualifications.
• FHA regulated closing costs.

For existing FHA loans only.. 

• No Cost Interest Rate Reductions programs.
• NO APPRAISAL option
• No Income or Credit Qualifications Option.
• Zero cost refinance options available.
• Easily switch amortization from adjustable to fixed. 

For existing Fannie Mae and Freddie Mac loans only.. 

• Home Lost Value? That's OK
• Underwater on your mortgage? That's OK?
• Own more than home is worth?  That's OK  

Standard Conventional Loans

Fannie Mae and Freddie Mac backed... 

• 30-yr, 25-yr, 20-yr, 15-yr, and 10-yr fixed
• 1-yr, 3=yr, 5-yr, 7-yr, and 10-yr adjustable (ARM)
• Up to 95% Loan-to-Value
• Ask about our NO PMI Options (even OVER 80%)

VA Loan for Purchase in St Paul, Minneapolis area

ZERO Down Payment and Low Closing Costs. 
• Down payment = ZERO 
• Gift for closing costs allowed.
• Not just for first time home buyers.
• VA regulated closing costs.
• Seller can pay all buyers closing costs.
Easier Credit Qualifying Guidelines such as: 
• Minimum FICO credit score of 640.
• VA will allow a home purchase two years after a Bankruptcy.
• VA will allow a home purchase three years after a Foreclosure.

VA Refinance in Minneapolis area. 

• Cash-Out up to 85% of your properties value.
• Consolidate first and second mortgages into single loan.
• Bill consolidation programs.
• Easier credit and income qualifications.
• FHA  regulated closing costs.
Rate and Term Mortgage Refinancing up to 100% of your homes value.
• Consolidate first and second mortgages  into a single loan.
• Competitive rates for borrowers with a Bankruptcy older than two years.
• Competitive rates for borrowers with a Foreclosure older than three years.
• Easier credit and income qualifications.
• FHA regulated closing costs.

  VA Streamline Refinance (IRRL)

  For existing VA loans only.. 

  • No Cost Interest Rate Reductions programs.
  • NO APPRAISAL option
  • No Income or Credit Qualifications Option.
  • Zero cost refinance options available.

  • FHA 203k Streamline fix up purchase program

    For buying a home with repair money.. 

    • Finance repair costs
    • Up to $35,000
    • Buy a fixer upper
    • FHA 203(k) is government backed