Minnesota Downpayment Assistance Programs

GET UP TO

$29,000

IN FORGIVABLE DOWN PAYMENT ASSISTANCE

WITH THE

APPLY NOW

2023 WISH GUIDELINES

Must be a First Time Home Buyer
4:1 Match Up to $29,000
Contribution can come from gift funds or your bank account
Available for Conventional, VA, and FHA financing
Financing Borrower must complete certified First Time Home Buyer counseling class (certificate required) WISH Enrollment
Refined Lending Pre-Approval is valid for 12 months while you shop for your home.

Learn how to start your path to Homeownership

APPLY NOW FOR WISH

**All rates and programs subject to change without notice. This is not a commitment to lend.

Refined Team is powered by Luminate Home Loans, Inc. a wholly owned subsidiary of Luminate Bank NOTICE TO TEXAS CONSMERS: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.”

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2023 WISH GUIDELINES

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