Buying your first home in Minnesota doesn’t have to be a solo mission. From gift funds to rent-to-own arrangements, family support can make a big difference. This guide breaks down six ways your loved ones can help you qualify for a mortgage and move into your dream home—with warmth, clarity, and practical advice.

Think your credit score is too low to buy a home? Think again. FHA loans are designed to help more people become homeowners—even with less-than-perfect credit. Find out what score you need, how to boost your chances, and how we can help you get the keys to your new place.

Your home’s equity isn’t just sitting there - it could be working for you. Whether you’re planning a remodel, consolidating debt, or preparing for the unexpected, this guide breaks down the smartest ways Twin Cities homeowners can use their home equity to build a stronger financial future.

Thinking about buying a home but unsure if you qualify for an FHA loan? This guide breaks down everything lenders look for — from credit scores and down payments to employment history and property standards. Whether you're a first-time buyer or navigating a lower credit score, this checklist will help you prepare and feel confident before applying.

Buying a home after divorce can be a powerful step toward independence and financial stability. This guide walks newly single individuals through the process of solo homeownership—from qualifying for a mortgage to budgeting for expenses and planning for the future.

Refinancing your home after divorce can help you take full ownership, adjust to a single income, and regain financial stability. Learn the key benefits, potential drawbacks, and how the process works so you can make informed decisions during this transition.

Dreaming of homeownership but struggling to save for a down payment? Guild Mortgage’s Zero Down program could be your solution. This innovative option combines an FHA first mortgage with a second mortgage to cover your down payment and closing costs—no upfront cash required. With flexible credit requirements, fixed-rate options, and eligibility for both first-time and repeat buyers, this program makes buying a home more accessible than ever.

A 2-1 buydown is a temporary mortgage financing strategy that reduces your interest rate by 2% in the first year and 1% in the second year before returning to the full rate in year three. This approach can make homeownership more affordable upfront, especially in a high-rate market. The blog explores how 2-1 buydowns work, who typically pays for them, and the pros and cons for buyers. It also highlights Guild Mortgage’s buydown programs and tools to help borrowers calculate potential savings and determine if this strategy aligns with their financial goals.

Buying a home without a large down payment is more achievable than you might think. From government-backed loans like VA and USDA to down payment assistance programs and gift funds, there are many ways to reduce or eliminate upfront costs. This guide breaks down the most popular low and no down payment options, who qualifies, and how to fund your purchase—even if you're a first-time buyer with limited savings.

FHA vs. Conventional loans: what’s the real difference? This side-by-side guide breaks down everything from credit score requirements to mortgage insurance so you can choose the best loan for your homebuying journey.

Thinking about buying a home? A buyer’s market could be your best opportunity. Discover the signs of a buyer’s market, how it benefits you, and what seller concessions can cover—from closing costs to moving fees.

Saving for a down payment doesn’t have to be a roadblock to homeownership. From gifts and retirement funds to second mortgages and down payment assistance programs, there are many ways to make your homebuying dreams a reality. Learn how to navigate your options and choose the best path forward.

Saving for a down payment doesn’t have to delay your dream of homeownership. Discover low and zero down payment options that can help you buy a home without draining your savings.

Thinking about refinancing your mortgage? Even if your current payments are manageable, refinancing could offer significant financial benefits. From lowering your interest rate and monthly payments to tapping into home equity for major expenses, there are many compelling reasons to consider it. Whether your credit score has improved, you're planning home renovations, or you want to consolidate high-interest debt, refinancing can be a smart move toward greater financial flexibility and long-term savings.

Buying a home is exciting—but unexpected fees at closing can catch you off guard. Closing costs, also known as settlement costs, are a mix of one-time and recurring expenses paid when finalizing your home purchase. These can include lender fees, title charges, insurance, and taxes, typically totaling 2–5% of the home’s value. Understanding what to expect and using tools like a closing cost calculator can help you budget wisely. Plus, there are smart ways to reduce these costs—like negotiating with the seller or timing your closing date strategically.