Loan Options

Whether you're a first time home buyer, you're looking to refinance, or have another unique situation, Angie and Shawn are here to help you understand all of your home loan options. From Isanti, MN to Orlando, FL and beyond, the Gerhardson Mortgage Team is here for you!

Conventional Loans

Helping you live the dream of homeownership. For first-time buyers, to experienced homeowners, conventional loans come in a variety of options to suit a broad spectrum of qualified borrowers.


  • 3% payment required
  • Minimum credit score of 620

FHA Loans

Making home-ownership accessible and affordable, the FHA loan is a great product that helps many people become homeowners. FHA loans are particularly designed to benefit buyers who do not have perfect credit or large down-payment.


  • Great for first-time homebuyers
  • 3.5% down payment required
  • Minimum credit score of 600
  • 6% of sellers assist allotted

VA Loans

Let your military service get you a home. The VA loan is an excellent loan option that assists our Veterans with obtaining home-ownership.


  • Great for active military and veterans
  • No down payment required
  • Minimum credit score of 620

USDA Loans

The USDA home loan program helps lenders work with low and moderate-income families living in rural areas to make homeownership a reality. Providing affordable homeownership opportunities promotes prosperity, which in turn creates thriving communities and improves the quality of life in rural areas.


  • Great for first-time home buyers
  • No down payment required
  • Minimum credit score of 620
  • Low fixed rate
  • Low monthly mortgage guarantee fees

Let's Talk

We're here to help you navigate and find the right program to meet your home financing goals.

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