Loan programs

Every loan type, translated.

Seven major programs, each explained the way Luke would over text: who it's great for, how it works, and what the fine print really says.

Conventional Loans

The workhorse of home financing — flexible terms, competitive costs, and down payments as low as 3% for first-time buyers.

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FHA Loans

The first-time buyer favorite — 3.5% down, friendlier credit requirements, and forgiving guidelines for real-life finances.

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VA Loans

For those who served — $0 down, no monthly mortgage insurance, and some of the strongest terms in all of lending.

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USDA Loans

$0 down for homes in eligible smaller communities — many Twin Cities exurbs qualify, and most buyers have no idea.

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Jumbo Loans

Financing above conforming loan limits for higher-priced homes — with the same guidance and straight answers.

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Down Payment Assistance

Minnesota has real down payment help — Minnesota Housing programs can put thousands toward your down payment and closing costs.

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Refinancing

Lower the payment, drop mortgage insurance, tap equity, or shorten the term — when the math works, Luke will show you. When it doesn’t, he’ll tell you.

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Genuinely no idea?

Perfect — that's the normal starting point. Text Luke your situation and he'll tell you which two or three of these are even worth reading.

💬 Ask Luke

Programs are tools. Luke picks the right one.

You don't need to become a mortgage expert — that's his job. One conversation and the acronym soup turns into a plan.

💬 Text Luke: 651-238-8396 Apply with Luke