Loan programs
Every loan type, translated
Seven guides, zero jargon, no email required. Each one covers who it's great for, what it really costs, and the questions people actually ask.
Conventional Loans
The workhorse of home financing — flexible terms, competitive costs, and down payments as low as 3% for first-time buyers.
Read the guide →FHA Loans
The first-time buyer favorite — 3.5% down, friendlier credit requirements, and forgiving guidelines for real-life finances.
Read the guide →VA Loans
For those who served — $0 down, no monthly mortgage insurance, and some of the strongest terms in all of lending.
Read the guide →USDA Loans
$0 down for homes in eligible smaller communities — many Twin Cities exurbs qualify, and most buyers have no idea.
Read the guide →Jumbo Loans
Financing above conforming loan limits for higher-priced homes — with the same guidance and straight answers.
Read the guide →Down Payment Assistance
Minnesota has real down payment help — Minnesota Housing programs can put thousands toward your down payment and closing costs.
Read the guide →Refinancing
Lower the payment, drop mortgage insurance, tap equity, or shorten the term — when the math works, Ella will show you. When it doesn’t, he’ll tell you.
Read the guide →Not sure where to start?
Most people aren't — and matching the program to your life is Ella's favorite part of the job.
Ask EllaPrograms are tools. Your plan is the point.
Tell Ella your situation and she'll tell you which of these actually fits — and which to ignore.