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  • Tel: (651) 252-1342
    Email: loans@firsttimehomebuyer-mn.com
    NMLS 225504

  • We will find the right mortgage for you

    FirstTimeHomeBuyer-MN.com assists with first time home buyer programs, and down payment assistance for new home buyers in Minnesota, Wisconsin, and South Dakota. We can help you too.

    Schedule an Appointment

    Find a program to get you a home

    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.

    Get Pre-Approved

    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.

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    Calculate a payment

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

    Calculate

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

    Make an appointment

  • 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

  • Your first step as a first time home buyer is to get pre-approved for financing. Most people APPLY ONLINE, but we cal also take your application over the phone, or you can have a sit down appointment in our St Paul, MN office

    Get Pre-Approved

  • First Time Home Buyer Programs - What Are They?

    First time home buyer programs is a generalize term used for to describe many different home mortgage loan programs, but essentially it means your 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 programs are typically offered by local mortgage lenders like us here at Mortgages Unlimited, and 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

  • Whitelist Instruction

    April 16, 2019

    Mortgages Unlimited WhiteList our EMail Instructions The process of getting a home mortgage loan these days is very paperwork intensive, and generally requires E-Mail communications.  Therefore it is very important these notifications get through to you, and not

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  • Application Received

    April 16, 2019

    Thank you, we appreciate your business.  Our system has received your application or request, and is instantly notifying our staff that it is ready for review.   Print this page for future reference. Also check your Email for a confirmation notice. This pages URL

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