Richter Home Team| Powered by Edge Home Finance, LLC (NMLS #891464)
How Twin Cities Buyers Actually Qualify for a Home Without 20% Down or Perfect Credit
Free Live Class | Tuesday, November 3 | 7:00 PM Central | Zoom
I've spent 30 years helping families buy homes. In this free class I'll walk you through the four things every lender looks at (Credit, Income, Property and Down Payment) so you can see where you really stand. Bring your questions, and bring your partner too.
Free. About 75 minutes. You'll get the Zoom link by email and text after you sign up.
What we'll cover
The down payment truth. Most first-time buyers put down far less than 20%, and some loan programs are built for smaller down payments.
Credit score reality. The real minimums are lower than most people think, and they depend on the loan program.
Local help most buyers never hear about. Minnesota, several Twin Cities cities and some nonprofits offer down payment and closing cost help. I'll show you how to find out which ones fit you.
VA loans, explained plainly. Eligibility depends on your service history, including for Guard and Reserve members.
What waiting really costs. The real tradeoffs, so you can decide when the time is right for you.
What this isn't
This isn't a sales pitch dressed up as a class. Nobody is going to push you into an application. It's a straight walkthrough of how lenders look at buyers and what help is out there, whether you're ready next month or next year.
Your host
John Richter, Mortgage Loan Officer, NMLS #400991
Richter Home Team powered by Edge Home Finance, LLC
I've been in residential mortgage lending since 1996 and have helped more than 1,500 families buy homes. My whole approach is education first: you should understand your loan, not just sign where someone tells you to.
Can't make it on the 3rd? Book a free Personal Game Plan Session instead and we'll go over your own numbers.
NMLS #400991 | Edge NMLS #891464 | Equal Housing Opportunity
© 2026 Richter Home Team Powered by Edge Home Finance, LLC. All rights reserved.
Edge Home Finance, LLC | Company NMLS #891464
John Richter, Mortgage Loan Originator | CELL: 763-238-7022
Email: John.Richter@edgehomefinance.com
NMLS #400991 | Licensed in MN, WI, ND, AZ & FL
5860 Baker Road, Minnetonka, MN 55345
Equal Housing Opportunity
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Disclaimer: "Richter Home Team Powered by Edge Home Finance, LLC" and "Confused About Buying Powered by Edge Home Finance, LLC" are marketing designations powered by Edge Home Finance, LLC. Edge Home Finance, LLC is licensed in 49 states and D.C. (Not licensed in NY). Loan programs, terms, and eligibility are subject to applicable underwriting guidelines. This website is for general information and is not a commitment to lend.
