Loan programs
Every route home, explained.
Seven programs, zero jargon. Read up on whichever fits — or skip the homework and just ask Forrest which one fits you.
Conventional Loans
The workhorse of home financing — flexible terms, competitive costs, and down payments as low as 3% for first-time buyers.
Learn more →🌱FHA Loans
The first-time buyer favorite — 3.5% down, friendlier credit requirements, and forgiving guidelines for real-life finances.
Learn more →🎖️VA Loans
For those who served — $0 down, no monthly mortgage insurance, and some of the strongest terms in all of lending.
Learn more →🌾USDA Loans
$0 down for homes in eligible smaller communities — many Twin Cities exurbs qualify, and most buyers have no idea.
Learn more →🏛️Jumbo Loans
Financing above conforming loan limits for higher-priced homes — with the same guidance and straight answers.
Learn more →💰Down Payment Assistance
Minnesota has real down payment help — Minnesota Housing programs can put thousands toward your down payment and closing costs.
Learn more →🔁Refinancing
Lower the payment, drop mortgage insurance, tap equity, or shorten the term — when the math works, Forrest will show you. When it doesn’t, he’ll tell you.
Learn more →🤷No idea which one?
Totally normal. One text with your situation and Forrest will match you to the right program — that's the job.
Text Forrest →Programs are tools. You need a builder.
Forrest's job isn't selling you a program — it's finding the one that costs you least and fits your life best.