Standard Financing
I’ll help you compare several common home loan options and understand how their eligibility requirements may apply to your situation.
Conventional Loans
FHA Loans
VA Loans
USDA Loans
A flexible option for eligible borrowers purchasing or refinancing a primary residence, second home, or investment property. Down payment and credit requirements vary.
Government-insured financing that may offer lower down payment options and flexible qualifying guidelines for eligible first-time and repeat buyers.
For eligible Veterans, service members, and certain surviving spouses. VA-backed loans may allow no down payment when program, entitlement, lender, and property requirements are met.
May provide no-down-payment financing for eligible borrowers purchasing eligible homes in designated rural areas. Income, property, and other program requirements apply.
Specialty Financing Options
Bank Statement Loans
Some programs may use personal or business bank statements to evaluate qualifying income for eligible self-employed borrowers. Program requirements vary.
DSCR Investor Loans
Certain investment-property programs may evaluate qualification using the property’s rental income and debt-service coverage. Eligibility, property, and loan requirements vary.
Down Payment Assistance
Eligible buyers may be able to use local, state, or lender assistance programs toward down payment and closing costs. Program availability, repayment terms, income limits, property requirements, and borrower eligibility vary.
Additional Financing Options
Jumbo Loans
Financing may be available for eligible borrowers purchasing or refinancing homes with loan amounts above applicable conforming limits. Requirements vary.
Renovation Financing
Certain programs may combine eligible purchase or refinance costs with approved renovation expenses. Property, project, and borrower requirements vary.
Non-QM Options
Alternative documentation programs may be available when a borrower’s income or financial situation does not fit traditional agency guidelines. Terms and eligibility vary by program.
Our Process
A Clear, Straightforward Process
Understand Your Goals
We’ll discuss your target payment, timeline, and priorities.
Compare Your Options
I’ll explain available programs, estimated costs, and important tradeoffs.
Plan Your Next Step
You’ll understand what documents are needed and what comes next.
Let’s review your goals and talk through the financing paths that may fit your situation.
Home Loans With Ben
Stress-Free Home Loans for Minnesota homebuyers.
Explore
© 2026 Home Loans With Ben powered by Edge Home Finance, LLC. All rights reserved.
Ben Sobraske | NMLS #2242762
Mortgage Loan Originator | Edge Home Finance, LLC (NMLS #891464)
Corporate Office: 5860 Baker Road, Minnetonka, MN 55345
As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 20580.
Edge Home Finance, LLC is a licensed mortgage broker in AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, ME, MD, MA, MI, MN, MS, MT, MO, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, WI, WV, & WY
Equal Housing Lender
Verify Licensing: www.nmlsconsumeraccess.org
DISCLAIMER: www.HomeLoansWithBen.com.co is an educational marketing website operated by Ben Sobraske, a licensed Mortgage Loan Originator with Edge Home Finance, LLC. This website does not constitute an offer or commitment to lend. All mortgage loan products are subject to credit approval, underwriting, and investor program guidelines. Edge Home Finance, LLC is an Equal Housing Lender.
