Purchase Loans · Bloomington MN
Buying a home in Bloomington or the Twin Cities.
First home, move-up, investment, second home, or jumbo — the same educational approach, whether you're 26 or 66.
Buying soon?
Get pre-approved with the secure online application. It strengthens your offer and speeds the process.
Which buyer are you?
Each path below has its own guide. The first conversation with Brian is always educational — what you can afford, what programs fit, and what a comfortable payment looks like.
First-Time Buyers
FHA 3.5%-down, conventional 3%-down, and Minnesota Housing programs with up to $18,000 in down payment and closing cost assistance. Brian will map every option against your down payment, credit, and income.
Read the guideMove-Up Buyers
Coordinating the sale of your current home with the purchase of your next. Contingency vs. non-contingent strategies for the current Bloomington market.
Read the guideInvestment Property
Financing 1–4 unit investment properties across the Twin Cities. DSCR loans and conventional investor programs.
Read the guideJumbo Loans
For Edina, Minnetonka, and West Bloomington, jumbo lending above the 2026 conforming limit of $832,750. Both traditional jumbo and jumbo reverse for retirees.
Read the guideSecond Homes
Cabin, lake home, or snowbird property? Second-home financing looks different from investment financing — occupancy rules, rates, and down payments all differ.
Relocating to the Twin Cities
Out-of-state families relocating to the Bloomington area get a curated intro to neighborhoods, schools, taxes, and lender options.
FAQ
Purchase questions, answered honestly
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."