The menu
Seven programs. One right answer for you.
Each guide gives you the plain-English version: who it's great for, the key facts, and the questions everyone asks. No program is 'best' — one is best 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, Ashland will show you. When it doesn’t, she’ll tell you.
Read the guide →Genuinely no idea?
Most buyers qualify for more than one program — the skill is picking the cheapest total path. Text us your situation and we'll narrow it fast.
💬 Text the team →Programs are tools. Fit is the job.
We compare your top options side by side — payment, cash to close, total cost — so the choice makes itself.