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i / f� ✓iii/�i iii I� � ilii i i i i i <br /> � I I IIIIII �I�IIII II i� Itl a <br /> s�a <br /> I i <br /> Make your dream of homeownership a reality. Minnesota Housing can help! Our network of participating <br /> lenders around the state will help you find the right Minnesota Housing loan for your sitution and your budget. <br /> If you're a first-time homebuyer, our Start Up program is just for you. If you're ready to buy your next home or <br /> refinance the one you're in, check out Step Up. Both have money-saving benefits that will make buying a home <br /> work for you. <br /> As little as % down, plass downpayment loans cep. to $15,000. <br /> �iy0l1�1 I� <br /> You don't need 20% down to get into a home. At Minnesota Housing, eligible borrowers can go as <br /> „1 low as 3%, and even add a downpayment and closing cost loan up to $15,000. <br /> �11111<� AfFordable rates. <br /> Minnesota Housing offers affordable, fixed interest rates. Current rates can be found on our <br /> 1111 website at www.mnhousing.gov and are subject to change. <br /> torr or no mortgage insurance options. <br /> OJJf1� <br /> With our exclusive conventional loan products, options for reduced or no mortgage insurance are <br /> available to lower your monthly payments. <br /> Contact a participating Minnesota Housing lender to start your path to homeownership. <br /> OT A 651.296.8215 <br /> HOUSING <br /> usld1 ov <br /> �, <br /> In connection with Single Family Division loan programs,Minnesota Housing does not make or arrange loans. It is neither an originator nor creditor and is not affiliated with 1�� <br /> any Lender. The terms of any mortgage finance transactions conducted in connection with 7programs,including important information such as loan fees,the annual <br /> percentage rate(APR),repayment conditions,disclosures,and any other materials which are rt fired to be provided to the consumer are the responsibility of the Lender. EQUAL ROUSING <br /> OPPORTUNITY <br />