Loan Programs
Every loan program, side by side.
Brian is program-agnostic. The right loan is the one that fits your goals, not the one with the highest commission.
Not sure which program fits?
Apply once securely and Brian will map every program against your situation.
Conventional
The workhorse of American mortgage lending. 3%-down for first-time buyers, competitive rates, no upfront funding fee. Best fit for buyers with strong credit and down payment.
FHA
3.5%-down, flexible credit standards. A common path for first-time buyers in Bloomington and Richfield.
VA
0%-down for eligible veterans and active-duty service members. No mortgage insurance. Excellent rates. Brian is honored to serve Minnesota veterans.
Jumbo
Above the conforming limit. Used regularly in Edina, Minnetonka, and West Bloomington. Both fixed and adjustable options.
Minnesota Housing
Down payment assistance and reduced-rate programs for eligible Minnesota buyers. Brian will confirm eligibility on your first call.
USDA Rural
0%-down USDA loans for eligible properties in outer-ring metro communities and rural Minnesota.
Let's explore your options
A conversation with Brian is educational, unhurried, and never salesy.
Whether you're planning retirement, buying your next home in Bloomington, or helping aging parents, start with a conversation, not a pitch.
"Brian didn't try to sell us anything. He drew a diagram on a napkin and answered every question we had. Two months later we called back."