Make the Move to Homeownership.
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First-Time Homebuyer Qualifications and Benefits
Are you wondering if you qualify for first-time homebuyer programs? The term might be misleading. You don’t actually have to be purchasing your first home to be considered a first-time homebuyer. Confused? Don’t be! First-time homebuyer benefits can offer significant financial savings and help make owning your own home a reality. Don’t let the name hold you back from achieving the American dream of homeownership. Some programs are subject to income limitations. Contact me for more information.
Affordable Loan Programs
- USDA: As little as 0% down
- HomeReady: As little as 3% down
- HomePossible: As little as 3% down
- VA: As little as 0% down
- FHA: As little as 3.5% down
- Minnesota Housing Finance Corporation: As little as $1,000 down. Primary and down payment assistance loans available.
- And More…
How can our Seller’s Choice guarantee AMPLIFY your offer?
Make an offer with confidence! For qualifying borrowers, if your loan doesn’t close according to the terms of the Guarantee Letter, we’ll purchase the home in cash or pay the seller $10,000 out of our own pocket.
- Let your Real Estate Agent know you’re committed to success.
- Feel confident you’re FULLY approved.
- Make sure your offer is at the top of the pile.
- Instill confidence in the seller that your offer is SOLID.
- Minimize anxiety through the homebuying process.
Some limitations may apply.
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Meet the LO!
Joan Johnson
Loan Officer
NMLS: 216339
320.510.0709
Email Me
Dale Gross
Branch Manager
NMLS: 677577
218.242.2422
Email Me
Get to Know Joan and Dale
Joan Johnson
Loan Officer
I’ve been a mortgage lender since 1999, and throughout the years, my focus has always been on providing exceptional care to my clients—from the initial application all the way through closing day. I strive to make the mortgage process as comfortable and stress-free as possible, especially for first-time homebuyers who may find the experience overwhelming. I take the time to clearly explain each step and ensure my clients know exactly what is needed from them along the way. Behind the scenes, I work closely with the Summit team to manage the details and get our clients’ loans closed smoothly and efficiently.
Outside of work, I live on a farm with my husband, Mark, where we raise corn and soybeans. We’re fortunate that our two adult sons, their wives, and our five grandchildren live nearby, allowing us to be a part of their busy lives and attend many of their activities. As a family, we’re big sports fans, and we especially love cheering on the Minnesota Gophers football and basketball teams.
Dale Gross
Branch Manager
Whether you’re looking to buy, build or refinance your home, our team is here to help facilitate a smooth transaction. Here at Summit Mortgage Corporation, we offer a variety of loan options that can help you achieve homeownership with the speed and service you deserve. Plus, we are dedicated to finding the right loan with great rates, terms, and costs to meet your specific needs. Financing a home is one of the biggest commitments you will ever make – let us help guide you throughout the entire loan process from application to closing and beyond. We look forward to putting our mortgage service to work for you!”
Dale has been helping clients with home finance for nearly 25 years. It is truly his passion to help people achieve the goal of homeownership while enjoying the experience.
Dale enjoys dating and traveling with his wife, Kristine. Biking, hiking, and motorcycle rides take up the summer months, and skiing in the winter. Our favorite pastime is pouring into the lives of our grandchildren!
Take Your First Step Toward Homeownership!
Submit this form to start a mortgage journey, and one of us will personally connect with you to discuss next steps.
Summit Mortgage Corporation
NMLS# 1041
summit-mortgage.com
9600 54th Ave N, Suite 100 Plymouth, MN 55442
763-390-7200
Summit Mortgage Corporation licensed as Summit Home Mortgage, Inc., in IN, NC, OR, UT, and WA.
In New York: Achieve Home Mortgage in lieu of true name Summit Mortgage Corporation.
This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.