John Richter | Powered by Edge Home Finance, LLC (NMLS #891464)
Home Loan Options for Minnesota Homebuyers
Understand your mortgage options and find the financing that fits your homebuying goals.
First-Time Homebuyer Options
Explore low down payment programs and financing options designed to make buying your first home easier to understand.
Refinancing Options
Review options to change your rate, payment, loan term or access available home equity when it makes financial sense.
Home Purchase Loans
Conventional, FHA, VA, USDA, Jumbo and other mortgage options to help you finance your next home.
Common Questions
How long does mortgage approval take?
Every loan is different, but I’ll help you understand the timeline upfront and keep you updated throughout the process so you always know what comes next.
What types of mortgage loans are available?
Depending on your qualifications and goals, options may include Conventional, FHA, VA, USDA, Jumbo and other mortgage programs. I’ll help you understand the differences and determine which options may fit your situation.
How do I know which mortgage option is right for me?
We’ll look at your down payment, credit, monthly budget, homebuying goals and other factors, then compare available options so you can make an informed decision.
Can I buy a home with a low down payment?
Possibly. Some mortgage programs offer low down payment options, depending on your qualifications and the property. I’ll help you understand what options may be available and how much you may actually need to buy a home.
© 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" and "Confused About Buying" 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.
Disclaimer: "Richter Home Team" and "Confused About Buying" 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.
