St Paul, MN area Mortgages - Buy a Home or Refinance
Conventional, FHA Loans, VA Loans, First Time Home Buyer, and USDA HOME LOANS

St Paul, MN: Buying a new home is one of the most important decisions you will ever make. How much can you borrow? What will your monthly payment be? Are you better off renting? These are questions that have different answers for every perspective home buyer. Check today's live mortgage interest rates in St Paul MNLet Mortgages Unlimited, an experienced Minnesota mortgage lender, help determine the right price and loan options for you.

Minnesota Mortgage Loan Programs

Competitive rates and great personal service. Mortgages Unlimited offers a variety of St Paul mortgage loan programs at competitive rates to meet your financial needs. Our Licensed Mortgage Loan Officers can help you find the mortgage program that meets your specific needs while providing the service you deserve. To explore our wide range of home loan options, simply apply online, or call our St Paul, MN office at (651) 552-3681. Whatever you see that is "real" online, you can get locally from us!


St Paul, Minneapolis area FIRST TIME HOME BUYER Programs and Mortgages

First Time Home Buyers can easily get stressed over financing if you do not have the right company behind you. Sit back, relax, and let our very experienced friendly Loan Officers walk you through the entire loan process so you can enjoy this unforgettable experience!

There are a number of first time buyer programs available offered by State, County and City Governments. Funding for these programs run out from time to time and may not be available until additional funding is approved by the Government. Below are some of the programs available as well as their highlights. Please contact us to determine your eligibility and whether program funding is available. The programs all have income and sales price limitations that change from year to year.

City Living Program - The City Living Program is a subsidized financing program for homes purchased in the cities of Minneapolis and St. Paul.

MN Housing Finance Agency Program (MFHA) - The MFHA program is a program subsidized by the state of Minnesota for home purchased around the state.

Dakota County Bond Program - The Dakota County Bond funds are available for properties purchased in Dakota County, Minnesota.

St Paul MN Mortgage ApplicationFHA loans are great for Buying and Refinancing! We are an approved FHA Lender that allows more people to qualify under the flexible credit guidelines. Our clients love the low fixed rates and security of a government-insured loan.

Low 3.5% Down Payment for Purchases
Not just for first time home buyers
Seller can pay your closing costs
Easier Credit Requirements

FHA Streamline Refinance

Refinance into the Countries Lowest rates
NO Appraisal required refinance option
Reduce Your Mortgage Payment or get Cash Out

Mortgage Loan officer Minnesota, WisconsinVA loans for Military Veterans
These are some of the most popular first time home buyer loans. Zero Down Payment. No Mortgage insurance!

USDA Rural Development - Zero Down
No down payment for homes in rural areas!

HARP - Home Affordable Refinance Program
Special refinance program for homes that have lost value, or are underwater.  YES you can refinance!

Apply Online or Call to speak with a St Paul MN based loan officer today!
(651) 552-3681
FHA Loan Testimonials

"Joe and Eric made the entire process very easy, from filling out the paperwork to closing. Things were handled in a very timely manner and from loan application to closing was only about 2 weeks."
Mike M. - St Paul, MN

"We can't say enough about how well we were treated. This has been a very stressful time for us and your loan officer did everything possible to help us. We truly appreciate the way we were treated."
John S  - , Hudson, WI

"...they claim to "Beat the Banks", and boy was that true.  It may not seem like a lot, but I save $32 per month for the next 30-years, and that adds up"
Kristi S. - Saint Paul, MN

"I was a first time home buyer, and had never done this type of loan before, he explained everything step by step. I appreciated all of his help with my many phone calls I had to make to her with my questions!"
Nicole W - , Minneapolis, MN

Your Home NEEDS Insurance

Just 15 minutes to save on your home and car insurance
(651) 675-4911

Fill out one application to compare 20+ top rated home insurance companies

Reliable Insurance Network Agency