• Tel: (651) 252-1342
    Email: loans@firsttimehomebuyer-mn.com
    NMLS 274132

  • First time home buyer down payment assistance
    Get matched with the right program First Time Home Buyer program to make your dream of home ownership a reality from local Minnesota based loan experts.

    Support and guidance during the entire process

    We know buying your first home can be a scary process. We've been there ourselves, and have also helps thousands get there to. You can trust we'll help you too.

    Read More

    mortgage calculator

    Calculate a payment

    Wondering what a house payment might look like? Use our mortgage calculator to get an idea.


  • Are you are a first time home buyer in need of a low down payment program, or closing cost and down payment assistance? We are here to help! Our loan experts will match you with Minnesota programs to make your dream come true.

    Start Here

  • Depending on your situation and where you want to live, programs options vary. With over 40-years combined lending experience, our loan experts will narrow down what assistance programs, grants and loan programs may be available and that are the best matches for you.

    Learn more

  • Once you complete a loan application, it will be be reviewed to see if it matches with available home loans, grants and assistance programs. There are many variables as well as numerous programs, so not every question can be asked. But we will do our very best to match you with a program!

    Learn more

  • Once we have an idea of your basic situation, the next step as a first time home buyer is to get fully pre-approved for financing by completing a loan application, and submitting your supporting documents, like pay stubs, and bank statements.

    Get Pre-Approved

  • You've heard the horror stories...how hard it is to qualify, the mounds of paperwork you have to provide, the difficulties and delays. Not to mention the fighting, shopping, and haggling to get a good mortgage interest rate.  

    I've got great news...
    Joe Metzler, Loan Officer
    I'm here to solve that for you. Go ahead and download my Smartphone app and I'll give you the inside scoop to make qualifying for a great low rate mortgage EASY. Yes, I really did say easy.
    When you're ready, the next step in getting a low rate mortgage made easy is to contact me so we can review your unique situation and make sure that you get a low rate mortgage without the stress and hassle that's normally associated with it.
    It's easy to reach me - feel free to call me direct at (651) 552-3681, or if you prefer you can email me. Either way I'm here to make the experience of getting a mortgage a good one for you. 
    Whether you need the mortgage to buy a home, or are looking to refinance for a better rate or some cash out of your property, I can help. 
    I look forward to hearing from you.

    I agree to the following terms & conditions

    I understand this is not a full loan application, and rather just a basic information contact form. No loan decision can be based on this limited information. I also hereby certify that I give permission for the lender to contact me via postal mail, e-Mail, text, and phone calls to help me determine my loan qualifications.

  • First Time Home Buyer Programs - What Are They?

    First time home buyer program is a generalize term used for to describe many different home mortgage loan programs, but essentially it means you get a little something special in a mortgage loan program because you never owned a home previously, or have not owned a home in the last three years, or to promote home ownership in certain target areas, usually inner cities. Common elements may include below standard market interest rates, reduced private mortgage insurance costs, smaller down payment requirements, expanded debt-to-income ratio's, and the most popular part, down payment assistance.

    Minnesota first time home buyer programs are typically offered by local mortgage lenders like us, and almost never by the big internet lenders. They usually are offered in conjunction with Federal, State City, or County government entities, and some non-profits and corporations.

    With all these options, qualifications and requirements, availability may vary greatly. It is often hard for a potential home buyer to determine how to move forward without the guiding hand of one of our first time home buyer program experts.

    Let us help you make your dream come true, and that starts with completing the online LOAN APPLICATION, or Scheduling an Appointment.

  • Latest News

  • Misjudging debt ratios - disqualify themselves for home loans

    Minneapolis, MN: According to a survey by Fannie Mae’s Economic and Strategic Research Group, many consumers think it’s difficult to get a mortgage in today’s market. And forty five percent of those respondents cite too much existing debt as a top reason. Yet, in that

    Read more

  • Tax Refund for Down Payment

    February 24, 2020
    Tax Refund for Down Payment

    Minneapolis, MN:  Face it, saving money for down payment can be hard.  One reason why spring is such a popular time to buy a home is because of a tax refund. The tax refund extra jolt to your bank account balance helps push many people over the top in the down payment

    Read more