The whole toolbox
Loan programs, in plain English
Seven program families cover nearly every buyer. You don't need to know which one is yours — that's Adam's job. But if you like knowing how things work (respect), every program below gets the full friendly-translation treatment.
Conventional Loans
The workhorse of home financing — flexible terms, competitive costs, and down payments as low as 3% for first-time buyers.
Read the translation →FHA Loans
The first-time buyer favorite — 3.5% down, friendlier credit requirements, and forgiving guidelines for real-life finances.
Read the translation →VA Loans
For those who served — $0 down, no monthly mortgage insurance, and some of the strongest terms in all of lending.
Read the translation →USDA Loans
$0 down for homes in eligible smaller communities — many Twin Cities exurbs qualify, and most buyers have no idea.
Read the translation →Jumbo Loans
Financing above conforming loan limits for higher-priced homes — with the same guidance and straight answers.
Read the translation →Down Payment Assistance
Minnesota has real down payment help — Minnesota Housing programs can put thousands toward your down payment and closing costs.
Read the translation →Refinancing
Lower the payment, drop mortgage insurance, tap equity, or shorten the term — when the math works, Adam will show you. When it doesn’t, he’ll tell you.
Read the translation →Genuinely no idea?
Perfect. Text Adam your situation — income, savings, where you want to live — and he'll match the program to you. That's the actual service.
Text Adam →Programs are tools. You need a builder.
Any lender can list loan types. Adam's job is picking the one that saves you the most money — and explaining why in words that make sense.