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- Tired of Renting?  Ready to become a homeowner?

- Have OK Credit and stable employment?

- Have a few thousand in the bank?
- Have at least $1,000 for down payment?


How We Can Help You Buy a Home

Owning a home is much more than a financial transaction. It means independence, growth, and a place to share with family and friends. We offer the programs and resources that will help you buy a home and be a successful homeowner.

  • Affordable, fixed interest rates
  • A variety of loan options – purchase, refinance, downpayment, home improvement – to meet your needs
  • Knowledgeable local Loan Officers
  • More than 25 years of experience supporting Minnesotans

Whether you’re just starting your home search or ready to tackle home improvements, we’ve got you covered.

It all starts by completeing a no obligation loan application.

Click here to GET STARTED.


Watch this Down Payment Assistance Video


We Can Probably Help You Buy a Home!


Mortgages Unlimited has been helping Minnesota first time homebuyers since 1991. We partner with the Minnesota Housing Finance Agency (MHFA) to offer safe and affordable home loans, including loans combined with down payment assistance.


Why Choose An First Time Home Buyer Loan?

  • Below market affordable interest rates
  • Special programs available anywhere in Minnesota
  • Down Payment Assistance loans for eligible homebuyers
  • No payment today interest free assistance loans for those who qualify
  • Payment due assistance loans with income sup to just over $100,000/yr

To Be Eligible for Down Payment Assistance

  • Be a first time homebuyer (have NOT owned a home the past 3-years)
  • Be credit qualified, with an acceptable credit score (minimum score varies based on underlaying loan program). Lowest acceptable score for any program is 640. Call (651) 552-3681 for score requirements
  • Have at least $1,000 of your own money for down payment (or 1% of the purchase price if home is under $100,000)
  • Meet down payment assistance household income requirements
  • Meet program requirements for sale price of the home
  • Meet standard FHA loan, USDA Loan, VA Loan, or Conventional loan guidelines

First Time Home Buyer and Down Payment Assistance Guidelines


Follow this link to view current

- Startup Program income, home cost, and down payment assistance guidelines.


How To Apply for First Time Home Buyer Loans


It's easy!  Simply fill out the online mortgage loan application, or call us at (651) 552-3681. We can take your application over the phone, or schedule an appointment at our St Paul, MN office.


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Approved FHA Lender, VA Lender, and USDA Lender in MN, WI, and SD

HUD, The VA, and the USDA requires those who offer their mortgage loans go through a stringent approval process. We are an approved FHA, VA, and USDA mortgage lender. We are not acting on behalf of, or under the direction of the VA or the Federal Government. HUD / FHA and the VA do not lend directly to the public, only through approved lending institutions like Mortgages Unlimited. MN Housing Finance Agency