The playbook
Every loan in the playbook
Different buyers need different plays. Each program below gets the full plain-English treatment — who it's for, how it works, 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.
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, Brett will show you. When it doesn’t, he’ll tell you.
Learn more →Not sure which play to run?
Totally normal. Text Brett your situation and he'll point you at the right program — with the tradeoffs explained honestly.
💬 Ask BrettPrograms are tools. You're the point.
Brett doesn't push products — he matches your situation to the loan that genuinely serves it. One conversation and you'll see your real options side by side.