How to Get Find the Best Home Loan for You

Securing a loan can be difficult, especially if you don't know where to start or which lender is right for you.

Applying for a loan can feel like a daunting task. You have to gather all your documents, compare interest rates, and then go through the application process.

B&C Home Loans is here to help. We are experts in finding the best loan for your situation. Whether you're looking for a mortgage, home equity loan, or refinance, we can help. We'll work with you to find the best interest rate and terms that fit your budget. Learn more about different loan options below or call us at 612-548-1250.

Types of Loans

  • Fixed-Rate Mortgages

    • Conventional Fixed-Rate Mortgage (e.g., 15-year, 20-year, 30-year)
    • High-Balance Fixed-Rate Mortgage (for high-cost areas)

  • Government-Backed Loans

    • FHA Loan (Federal Housing Administration – easier credit requirements)
    • VA Loan (Veterans Affairs – for military members and families)
    • USDA Loan (U.S. Department of Agriculture – for rural homebuyers)
    • FHA 203(k) Loan (for home renovations)

  • Specialized/Alternative Mortgages

    • Jumbo Loan (for amounts over conforming loan limits)
    • Reverse Mortgage (for homeowners 62+ to convert home equity to cash)
    • Non-QM Loan (Non-Qualified Mortgage, for borrowers who don’t fit typical guidelines, like self-employed)

  • Second Mortgages / Equity Loans

    • Home Equity Line of Credit (HELOC) (revolving line of credit)

  • Other Specialized Options

    • Bridge Loan (temporary loan to "bridge" between buying and selling homes)
    • Construction Loan (for building a new home)
    • Renovation Loan (covers purchase and renovation in one loan)
    • Commercial Lending
    • Land Loans
    • ITIN loans

  • One Time CLOSE new construction loans-

    • VA, FHA and Conventional

  • Down Payment Assistance loans

    • FHA grant programs
    • Repayable down payment assistance
    • Conventional and FHA