Loan programs
Every loan, explained like a friend would.
There is no “best mortgage” — only the best mortgage for you. Here’s the whole menu in plain English. Pick where you want to start, or take the 20-second match below.
⚡ 20-second match: which loans should I read about first?
What sounds most like you?
Conventional Loans
The workhorse of home financing — flexible terms, competitive costs, and down payments as low as 3% for first-time buyers.
Learn more →FHA Loans
The first-time buyer favorite — 3.5% down, friendlier credit requirements, and forgiving guidelines for real-life finances.
Learn more →VA Loans
For those who served — $0 down, no monthly mortgage insurance, and some of the strongest terms in all of lending.
Learn more →USDA Loans
$0 down for homes in eligible smaller communities — many Twin Cities exurbs qualify, and most buyers have no idea.
Learn more →Jumbo Loans
Financing above conforming loan limits for higher-priced homes — with the same guidance and straight answers.
Learn more →Down Payment Assistance
Minnesota has real down payment help — Minnesota Housing programs can put thousands toward your down payment and closing costs.
Learn more →Refinancing
Lower the payment, drop mortgage insurance, tap equity, or shorten the term — when the math works, Cole will show you. When it doesn’t, he’ll tell you.
Learn more →Rather just ask which loan fits you?
Skip the reading. One conversation with Cole and you’ll know your real options — usually in about 15 minutes.