Our loan specialists guide you through the loan process to help you get pre-qualified! We can help with downpayment assistance programs and match you with a trusted agent to provide you with the full-service home buying experience you deserve.
FIRST-TIME HOME BUYER LOAN PROGRAMS
FHA Loan
Perfect for the buyer that wants to put less money down. Purchase your house with as little as 3.5% down!30-Year Loan
The most secure loan program. Lock in a low payment and sleep tight knowing your rate will not change.VA Loan
An amazing deal for veterans and military members. Those who qualify for this loan can purchase with no down payment and no PMI. Find out if you qualify with one of our VA loan specialists.
Not sure which is the best loan option?
Contact our specialists to get pre-qualified with the loan that’s right for you. 763.784.8700
DOWNPAYMENT ASSISTANCE PROGRAM OPTIONS
Need help with a downpayment or closing costs?
Refined Lending has multiple programs, from grants to loans, to help you reach your dream. Call 763.784.8700 today.
WISH Program: up to $15,000!
The Refined Lending WISH Program is a matched-saving program for first-time homebuyers.
For every $1 you contribute, Refined Lending contributes $3 up to $15,000!
MN Housing: up to $15,000!
Minnesota Housing offers a loan for downpayment or closing costs up to $15,000 that can be used with the Start Up or Step Up program. This loan offers affordable monthly payments and is available with all Minnesota Housing first mortgage programs, including refinancing.
First-Time Homebuyers
Many programs are specifically for first-time homebuyers, helping people get into a home to start earning equity. Certain areas will have their own assistance programs to encourage home buying in that city or county, and if you’re flexible on where you want to live, these can be very helpful.
Deferred Payments
Minnesota Housing offers a deferred payment loan with no interest or monthly payments. The loan term is equal to your first mortgage term, and repayment is deferred until you move, sell, refinance (unless you refinance with the Step Up program) or pay off your first mortgage.
