Homebuying Basics
How to Buy a House in Minnesota
A complete walkthrough of the Minnesota homebuying process from financial prep to closing day.
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Minnesota's trusted hub for homeownership education.
Guides, programs, calculators, checklists, and answers to the questions Minnesota homebuyers actually ask — all in one place, all built for Minnesota.
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Homebuying Basics
First-Time Homebuyer Guide
Everything Minnesota first-time buyers need to know to feel confident and prepared.
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Understanding Pre-Approval
What pre-approval actually means, what's needed, and why it's your most important first step.
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Choosing the Right Realtor
How to vet and partner with a Minnesota realtor who knows your communities.
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Understanding Closing Costs
A plain-English breakdown of every line item in a Minnesota closing.
Read guide Financing
Mortgage Basics
Loan structures, terms, and how monthly payments are actually calculated.
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Understanding Interest Rates
What moves mortgage rates and how to think about them as a Minnesota buyer.
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Conventional Loans
How conventional financing works and when it's the right fit.
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FHA Loans in Minnesota
Low-down-payment financing backed by the Federal Housing Administration.
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VA Loans for Minnesota Veterans
Zero-down financing for eligible service members and veterans.
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USDA Loans in Rural Minnesota
Zero-down loans for eligible properties in greater Minnesota.
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Down Payment Assistance Programs
Statewide and local programs designed to close the down payment gap.
Read guide Credit & Readiness
Improving Your Credit Score
Practical strategies that actually move the needle before you apply.
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Preparing Financially
Build a clear financial picture before you start shopping.
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Saving for a Down Payment
Realistic plans to build down payment savings on a Minnesota timeline.
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Debt-to-Income Ratios
How lenders evaluate DTI and how to position your application.
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Minnesota Housing Programs
Start Up, Step Up, Monthly Payment Loan, and other Minnesota Housing options.
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Minnesota Housing Market Information
Current market trends across the Twin Cities and greater Minnesota.
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City-Specific Incentives
Local homebuyer incentives across Minneapolis, St. Paul, Duluth, Rochester and more.
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Local Market Guides
Neighborhood-level guides to buying across Minnesota's most-loved cities.
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Community Spotlights
Get to know the communities Minnesota buyers are moving into.
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Home Maintenance Tips
Seasonal maintenance built for Minnesota weather.
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Homestead Exemption Information
What homestead classification is and how to file in Minnesota.
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Insurance Education
How to right-size coverage for hail, winter storms, ice dams, and more.
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Homeowner Checklists
Year-one and ongoing checklists every new homeowner should have.
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Guides & Checklists
Download the practical tools Minnesota buyers use to stay organized and informed.
Minnesota First-Time Homebuyer Guide
30-page PDF covering every step from prep to keys.
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