FAQ
Ask everything.
That’s the whole point.
The questions Tiaira hears every week, answered the way she answers them — honestly and in plain English. Don't see yours? Text it.
Getting started
Does talking to Tiaira cost anything or commit me to anything?
No and no. Conversations are free, there’s no obligation, and just talking doesn’t require a credit pull. Tiaira’s whole approach is education first — you decide if and when to move forward.
I’m 1–2 years away from buying. Is it too early to reach out?
It’s actually the perfect time. Early conversations mean a real credit plan, a savings target, and program applications timed correctly — buyers who start early consistently get better outcomes than buyers who scramble.
Do I text, call, or email?
Whatever you like — most clients text 651-334-9049 because it’s easiest. Say "hey, I found your site" and go from there.
Programs & assistance
What is the Advancing Black Homeownership Community Fund?
An independent Twin Cities program (supported by Twin Cities Habitat for Humanity and the Minnesota Homeownership Center) offering eligible first-time buyers up to 20% of the purchase price — capped at $45,000 — as a 0% interest loan with no monthly payments. See the full breakdown on our ABH Fund page, and always verify current terms at abhfund.org.
I’m not eligible for the ABH Fund. What else is there?
Plenty. The statewide First-Generation Community DPA Fund (up to $32,000, forgivable over 5 years), Minnesota Housing down payment loans, county and city programs, and low-down-payment loan types (FHA 3.5%, conventional 3%, VA/USDA 0%). Mapping your personal list is exactly what Tiaira does.
Do assistance programs make my offer weaker?
Handled correctly, no. The key is having approvals lined up before you shop, so your financing timeline matches a normal purchase. That sequencing is Tiaira’s job.
Credit & money
What credit score do I need?
Programs span the spectrum: FHA from 580, conventional from around 620, with better pricing as scores rise. If you’re below the line today, you get a plan — not a rejection. Visit our credit education hub for the full picture.
How much do I need saved?
Often far less than you think. Between assistance funds and low-down-payment programs, many eligible buyers bring a small fraction of the "20%" myth. The honest answer is personal — which is what the free conversation is for.
Will one conversation affect my credit?
No. Talking, planning, and even most program mapping happens with no credit pull. A hard inquiry only happens when you’re ready for pre-approval — and its impact is small and temporary.
Working with Tiaira
Who does Tiaira work with?
Everyone. This site’s mission is closing Minnesota’s Black homeownership gap through education and outreach, and Tiaira welcomes and serves all homebuyers — Fairway loans are available to all qualified applicants, and fair lending law governs every file identically.
Where is Tiaira licensed?
Minnesota and Wisconsin, through Fairway Home Mortgage’s Eden Prairie branch. Verify her license anytime via NMLS Consumer Access — NMLS #2568351.
What happens after closing?
Tiaira stays your lender for life: rate watching for refinance opportunities, equity questions, and first-call status for friends and family. The relationship starts at the closing table; it doesn’t end there.
Still curious? That’s a good sign. 💬 Text 651-334-9049 — real answers, usually fast.
Have a question? Just ask your friend.
No pressure, no jargon, no obligation — just a straight answer from someone whose whole mission is getting you home. Text, call, or apply whenever you’re ready.