We are a HUD APPROVED Lender providing FHA loans in Minnesota, and Wisconsin     We are an APPROVED Minnesota MHFA First time home buyer loan provider.  CLICK to APPLY Securely 24/7Check Today's Rates

MHFA and FHA Home Loans - First Time Home Buyer Experts
Serving the Minneapolis St. Paul area, all of Minnesota, and Wisconsin

(651) 552-3681
WE CAN HELP - CALL NOW


Apply Now

Loan programs
Loan process
Credit report
About Us
Common Questions
Mortgage Calculator
Contact Us
Home Page

FREE REPORTS
The COMPLETE Home Buyers Guide to Financing Your Home

 Understanding Your FICO Credit Score

 Knowing and Understanding Your Credit

 #1 Mistake People Make When Buying a Home

Joe Metzler is a member of the Up-front Mortgage Brokers association. Click here to learn more of why Joe Metzler should be your lender of choice!

Bookmark and Share

Homeownership Is Still the American Dream Metro Housing Report
We are proud to make YOUR Minnesota home buying dreams come true.
We make it possible with FHA loans, USDA Rural Development Loans, County First time home buyer loans, City Living Program, or even Minnesota's MHFA Home Buyer Mortgage Programs.

Current Interest Rate

4.250%
as of 6/30/2010

Minnesota Mortgage Program
Government Rate

Application to Close
Usually under 20-days

Minnesota MHFA First time home buyer loan provider. www.JoeMetzler.com

Click here to apply online

Owning your own home in the Minneapolis or St Paul area is a goal most Americans continue to strive for, but in today's economy many families are wondering if things have changed. They have. Just a short time ago everyone agreed that it was a seller's market, yet buyers were everywhere hoping to get on the bandwagon while prices were appreciating at double-digit rates.

Today that has all changed. The sellers market has turned into a buyer's market leaving some pretty amazing deals - especially for first time buyers!

When you decide to buy a home or refinance a mortgage in Minneapolis, St. Paul, or the surrounding areas, your search for a home loan or mortgage should start and end here.  With so many lenders to choose from in the greater metro area, and nationally, you need to choose one you can trust to find the mortgage loan that’s best for you. Plus, as a Home Buyers Scouting Report Preferred Lender, you have access to the most amazing home search tool with FREE MLS ONLINE access.

First Time Home Buyer
Complete First Time Home Buyer Resources.

View printable MN First-Time homebuyer loan information sheet

All  the information you need to buy your first home: Down Payment Grants, Low-Interest Loans, Credit Assistance, and Expert Advice

FHA Approved LenderAs a potential Minnesota first time home buyer, you may feel a little overwhelmed with the entire process of buying your first home. Our goal is to empower you with the information and resources necessary to give you the confidence and financial help needed to make the dream of buying your first home become a reality. The more you know about the home buying process, the more likely you will be able to purchase the home of your dreams. For instance, the largest hurdle most first time home buyers face is saving the funds necessary for a down payment. Did you know that nearly every state has a program to help first time home buyers with the down payment? Some of that help is in the form of outright gifts: grants that never have to be repaid. In addition to state programs, there are also Federal programs available. There are literally dozens and dozens of programs available to the first time home buyer.  We cover it all within the pages of this site, and provide complete contact information for you. We sincerely want you to be able to buy your first house and enjoy all the wonderful benefits that home ownership brings.

MN First Time Home Buyer Grants

As previously mentioned, most states have programs to help first time home buyers with down payment and closing cost assistance. Sometimes this help is in the form of low-interest loans, and other times the help is an outright gift: grants. A grant is simply a gift to be used for a specific purpose. Governments want to help people of more modest means experience the many benefits of home ownership. Money is budgeted each year to government agencies for that very purpose. Depending on your income level, you may qualify for a state or federal first time home buyer grant. With so many different programs and guidelines, it is virtually impossible to list them all here. We highly recommend that you fill out our no obligation First Time Home Buyer Mortgage Application, so we can zero in on you, and your individual situation. For many first time home buyers, grants are the deciding factor in being able to buy their first home.

MN First Time Home Buyer Programs

Nearly every state has a first time home buyer program. Most states provide educational courses that explain in detail all of the programs (including grants and low-interest loans) available to first time home buyers. Some of these courses are free and some are available for a very small nominal fee. The programs vary from state to state, city to city, and county to county and are described in detail at First Time Home Buyer Programs in Minnesota. Many states have programs for Down Payment Assistance.

Minnesota First Time Home Buyer Loans

While interest rates have not moved up substantially since reaching 40-year lows of a couple years ago, they are still a major cost factor in buying your first home. The good news is that most states provide low-interest loan programs for first time home buyers. Depending on the state, the savings can be huge compared to conventional mortgage loans. To find out what is available to you, go to First Time Home Buyer Loan.

Minnesota First Time Home Buyer Tips

You may be already be somewhat familiar with the process of buying a home. However, the more you learn, the more you will benefit from your knowledge. This section provides tips for first time home buyers covering all aspects of the home buying process. Everything from the things you should and shouldn't say to a loan officer to contract contingencies in a purchase and sales agreement to rebuilding credit is covered in detail in this section. And if you have a question that isn't covered, you can email us and we'll do our best to respond in a timely manner.  Most first time home buyers have many questions throughout the home buying process. We are constantly receiving new questions. If you have a question that isn't in this list, please E-Mail us. Remember, we lend in Minnesota and Wisconsin only, so we can't help you with question about other states.

MN First-Time Home Buyer Home SEARCH Tool

All this information is great, but don't you want to just look at homes for sale? There are many different ways to search for homes online. Most people in Minneapolis, St Paul, Duluth, Rochester, St Cloud, Austin, Marshal and the rest of Minnesota visit different Realtor sites to start their search, then eventually end up contacting a Realtor to physically look at homes once they've narrowed their online search down. Using multiple sites is really unnecessary, as every home is listed in the local MLS (Multiple Listing Service) so every listing is available from every Real Estate Agent.

Click here to start your own FREE private password home search! Search the MLS Online!So STOP wasting time going to different Realtor web sites where you are shown the same homes over and over again when you can get your own FREE private password protected access to search the MLS. Never again be show the same house twice, as this system knows you. Get automatic updates that you control to homes that fit your search criteria, and more. If your using the internet to search for homes, you might as well use the best search system available!

MN First-Time HomeBuyer Guide

If you are looking for a complete guide that outlines the entire process, step by step,  of buying your first home, then download our FREE book call "The COMPLETE Home Buyers Guide to Financing Your Home"

More MN First-Time HomeBuyer Resources

There are other miscellaneous resources available to the first time home buyer that are found all over the internet, but the reality is that there is no substitute for a great first time home buyer experience than working with true professionals in the industry. The two main people that make it all come together are a real estate brokers that specialize in working with first time home buyers, and a mortgage loan officer that is experienced in first time buyers, and who has access to all the first time buyer programs, assistance, and grant programs available.

Luckily, you've landed on a web site that can handle both for you, and it all starts with a simple no obligation application. Get started right now from the comfort of your home by filling out our first time home buyer mortgage loan application. There are no obligations.

Bookmark and Share

 

My Mortgage Application is on a SECURE Server.
Fill out our easy
 
Online Loan Application

Email Us

Minneapolis / Saint Paul Business Journal has recognized Mortgages Unlimited as one of the top 25 locally owned mortgage lenders in Minnesota. Who are you thinking of doing business with? Top Mortgage Lenders in Minneapolis St Paul MN

Joe Metzler, MMS, UMB
Certified MN Mortgage Specialist
33 Wentworth Ave E, #290
Saint Paul, MN 55118

Ph (651) 552-3681
Map

MAMB

Minnesota Equal Housing LenderEqual Housing Lender - Our services available only for properties located in Minnesota and Wisconsin. PLEASE DO NOT KEEP US A SECRET from your FRIENDS. Licensed as Mortgages Unlimited, Inc. As a Lenders One partner, we are part of the 3rd Largest Retail Mortgage Originators in the country. We are consistently ranked as one of the largest lenders in Minnesota by Minneapolis St. Paul Business Journal. Any use or duplication of any materials is  strictly prohibited.  All images, text, and materials Copyright 1998-2010. Metzler Enterprises, LLC. All Rights Reserved.

Visit our affiliated sites:  Minnesota Best Mortgage Rates - Best Interest Rates in Minnesota and Wisconsin - Mortgage loans in the Twin Cities Minnesota - Mortgage Brokers in Minneapolis and St Paul - Internet Mortgage Lender MinnesotaOfficial MHFA Home Loan ProviderReverse Mortgage Lender in Minnesota MN  - How to get a reverse mortgage in Minnesota - Joe Metzler Team, Mortgages Unlimited, MN - Best Interest Rates in Minnesota MN  Great Rivers Mortgage - What is upFront Mortgage Broker UMB MN, WI - How to buy foreclosed home in Minnesota - Buy REO Foreclosed Foreclosure Home   -  How to Buy Foreclosed Bank Owned Properties - Foreclosure list Minnesota Minneapolis Saint Paul - How to buy a REO home - How to buy a foreclosed home in Minnesota - MHFA CASA MMP first time buyer home loan assistance program - Search the entire Minneapolis Saint Paul Western Wisconsin Twin Cities area MLS for ALL property listings | Buy a HUD foreclosed home for just $100 Down | Fannie Mae HomePath Foreclosure Purchase program | Mortgages Unlimited, MN Joe Metzler team - buy foreclosures in Minnesota and Wisconsin | Mortgage rates in Minneapolis, MN | Mortgage rates in St Paul, MN | Mortgage rates in Minnesota - Find a St Paul, MN Mortgage Broker - Find a WI Mortgage Broker -Find a MN Mortgage Broker - Find a Mpls Mortgage Broker - Mortgages in St Paul, MN area - Get a Mortgage in Duluth, MN area - Get a Mortgage in MN - Mortgage in Minnesota - Get a Mortgage in Minneapolis - Find a Mortgage in Rochester, MN area - Find a Mortgage in Saint Paul, MN - Find the Best Mortgage Loans in MN WI - Get the Best Home Loans - Who has the Best Mortgage Rates in Minnesota - My Mortgage Loan Information -