Home Loan Options for Minnesota Homebuyers

Understand your mortgage options and find the financing that fits your homebuying goals.

man sitting beside woman looking at a contract on DocuSign

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, 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.

Contact John Richter

John Richter | Mortgage Loan Originator
NMLS #400991
Richter Home Team powered by Edge Home Finance, LLC
Edge Home Finance NMLS #891464

Questions about buying a home or your mortgage options? I'm here to help.

As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 2058

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