easy mortgage program

Zero Down Brainerd Homes

in Minnesota Real Estate

Browse Brainerd  real estate* MLS/IDX listings.

*Available at the time of this post (9/29/09)  Some restrictions apply. Availability could change without notice. Please contact us for details. Also find out which properties qualify for zero down.

Yes, that’s right!  USDA is offering zero-down* loans for purchase of Brainerd homes.  This includes lake homes, lender owned, short sale, new construction and just about any other kind of property.

Wait!  It gets better!  This financing is available on Brainerd real estate listings within the city limits!  Don’t let the name “United States Department of Agriculture”  fool you.  The rest of Crow Wing County qualifies for the no-down mortgage program as well.

Imagine this… purchasing Brainerd homes for a song, perhaps a bank owned property and not needing to come up with a down payment!  Rates are good, there is no monthly mortgage insurance premium, and seller can pay closing costs!  Of course, you need a Brainerd Realtor with good negotiating skills to get them to pay your closing costs.  However, this is a buyers market, and sellers are more willing to negotiate.

It gets even better!  Like any program of this sort, there are income limits, but the limits are set high, making this attainable for an average two-income household.  Unlike many programs or this sort, you do not have to be” too poor to buy a house” to buy a nice Brainard** home.

**”Brainerd” was deliberately misspelled so those of you who Googled “Brainard homes” will find this page. Not to worry! This is a very common misspelling, even for Minnesotans.

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