Cottage Grove, MN Homebuyers Guide
“Unlock the Power of Home Buying with Smart Mortgage!”
Cottage Grove, MN Home Purchase Loan Guide
Welcome to iLoan: Your Pathway to Cottage Grove Home Ownership
At Smart Mortgage, we understand that buying a home is one of the most important decisions of your life. Our dedicated team strives to simplify this process for you by offering a variety of loan options tailored to fit your unique needs and aspirations.
Why Choose Smart Mortgage?
- Expert Guidance: Our experienced loan advisors guide you through every step, ensuring a smooth home-buying journey.
- Diverse Loan Options: We offer a vast array of loans to cater to every Minnesota home-buyer’s needs.
- Transparent Process: No hidden charges, no surprise fees. We believe in complete transparency.
- Quick Approvals: We value your time. Our efficient process ensures swift loan approvals.
Explore Our Home Loan Options Conventional Loans:
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- What are they? These are the most popular type of Cottage Grove, MN home loans, not backed by a government entity.
- Key Benefits:
- Flexible terms (15, 20, 30 years)
- Competitive interest rates
- Varied down payment options
- No mortgage insurance required with 20% down payment
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- What are they? Loans insured by the Federal Housing Administration.
- Key Benefits:
- Low down payments (as low as 3.5%)
- More lenient credit score requirements
- Ideal for Cottage Grove first-time home buyers
Questions Call (888)416-4805
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Get cash from your Cottage Grove, MN home.
Apply to see how a cash out refinance can help you.
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Cottage Grove, MN Homebuyer Seminars
Discover the keys to homeownership at our local Cottage Grove home buying seminar – your first step towards securing your dream home!
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See our home loans.
Explore our diverse range of home loan programs tailored to fit your unique needs!
- What are they? Loans backed by the Department of Veterans Affairs, for veterans, service members, and some military spouses.
- Key Benefits:
- Zero down payment
- Competitive interest rates
- No private mortgage insurance (PMI) requirement
- Reduced closing costs
- What are they? Loans backed by the U.S. Department of Agriculture, designed for rural home buyers.
- Key Benefits:
- No down payment required
- Low-interest rates
- Flexible credit requirements
- What are they? These are funds or subsidies offered to first-time homebuyers or those who meet certain criteria.
- Key Benefits:
- Assistance with down payments or closing costs
- Reduces upfront costs of home buying
- Often does not need to be repaid if certain conditions are met
We Serve the Following Areas!
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Find out More about Cottage Grove, Minnesota
Cottage Grove is a city 10 miles (16 km) south of Saint Paul in Washington County in the State of Minnesota. It lies on the north bank of the Mississippi River, north of the confluence with the St. Croix River. Cottage Grove and nearby suburbs form the southeast portion of Minneapolis-Saint Paul, the 16th-largest metropolitan area in the United States, with about 3.69 million residents. Its population was 38,839 at the 2020 census.[4]