Loan programs
Every tool in the toolbox
There's no 'best loan' — only the best loan for you. Here's each one in plain English; matching you to the right one is Tiaira's job.
Conventional Loans
The workhorse of home financing — flexible terms, competitive costs, and down payments as low as 3% for first-time buyers.
Full breakdown →FHA Loans
The first-time buyer favorite — 3.5% down, friendlier credit requirements, and forgiving guidelines for real-life finances.
Full breakdown →VA Loans
For those who served — $0 down, no monthly mortgage insurance, and some of the strongest terms in all of lending.
Full breakdown →USDA Loans
$0 down for homes in eligible smaller communities — many Twin Cities exurbs qualify, and most buyers have no idea.
Full breakdown →Jumbo Loans
Financing above conforming loan limits for higher-priced homes — with the same guidance and straight answers.
Full breakdown →Down Payment Assistance
Minnesota has real down payment help — Minnesota Housing programs can put thousands toward your down payment and closing costs.
Full breakdown →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.
Full breakdown →Which one fits me? 🤔
Text Tiaira your situation and get a straight answer — often with programs you didn’t know existed.
💬 Text 651-334-9049 →Programs are tools. Strategy is the craft.
One conversation puts every option side by side — rates, down payments, assistance stacking, the works.