Loan programs
Every path home, honestly compared
Each guide below covers who the program is genuinely great for, the trade-offs nobody mentions, and the questions friends actually ask. No program is “best” — there’s just the best one for you.
Conventional Loans
The workhorse of home financing — flexible terms, competitive costs, and down payments as low as 3% for first-time buyers.
Read the guide →FHA Loans
The first-time buyer favorite — 3.5% down, friendlier credit requirements, and forgiving guidelines for real-life finances.
Read the guide →VA Loans
For those who served — $0 down, no monthly mortgage insurance, and some of the strongest terms in all of lending.
Read the guide →USDA Loans
$0 down for homes in eligible smaller communities — many Twin Cities exurbs qualify, and most buyers have no idea.
Read the guide →Jumbo Loans
Financing above conforming loan limits for higher-priced homes — with the same guidance and straight answers.
Read the guide →Down Payment Assistance
Minnesota has real down payment help — Minnesota Housing programs can put thousands toward your down payment and closing costs.
Read the guide →Refinancing
Lower the payment, drop mortgage insurance, tap equity, or shorten the term — when the math works, Tiaira will show you. When it doesn’t, she’ll tell you.
Read the guide →Which one fits me?
Text Tiaira your situation — price range, savings, credit ballpark — and she’ll tell you which programs actually apply, including down payment help.
💬 Ask Tiaira →Program shopping is Tiaira’s job, not yours
You don’t have to become a mortgage expert — you just need one on your side. Text her what you’re working with.