GET PREAPPROVED
Understand your options. Shop with confidence. Move forward when the time is right. Applying for a mortgage is not about committing to a loan — it’s about understanding your options before you make an offer. This step is designed to help you gain clarity around your buying power, explore available loan programs, and prepare confidently — without pressure.
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Why This Step Is Important
Many first-time buyers start looking at homes without knowing what they truly qualify for — and that often leads to frustration, delays, or missed opportunities.
Completing a mortgage application helps you:
Understand what price range makes sense
Explore loan options that fit your situation
Strengthen your position before writing an offer
Move forward with clarity instead of guesswork
You stay in control the entire time.
What This Application Is — And Isn’t
This IS:
A way to explore your financing options
A preparation step — not a commitment
Secure and confidential
Designed to help you plan ahead
This Is NOT:
A requirement to move forward
A commitment to use any loan program
A hard obligation to buy a home
A pressure-based sales process
You decide what happens next — and when.
How the $250 Home Buyers Club Credit Works
When you complete a mortgage application through the Minnesota Home Buyers Club, you instantly earn $250 in Home Buyers Club credits toward your closing costs. This credit is part of our education-first system — rewarding buyers who take responsible steps to prepare before purchasing a home.
Credits are earned through participation
Credits are applied at closing, if eligible
Terms and conditions apply
You are not required to complete every step of the Home Buyers Club.
Your Information Is Protected
Your application is handled securely and confidentially.
We use industry-standard security measures to protect your information, and your details are only used to evaluate your mortgage options and support your home-buying plan.
Ready to Take the Next Step?
If you’re ready to understand your financing options and prepare with confidence, you can begin your mortgage application below. There’s no obligation — just clarity and a smarter way to move forward.
Apply for a Mortgage & Unlock $250
Home Buyers Club credits are earned through participation and may be applied toward closing costs on an eligible transaction. Terms apply.