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SJD Mortgage Services
Loan Options

There are many loan options and I work with each customer to determine their best fit.  With SJD Mortgage Services, I bring over a dozen years of home finance and purchase experience to every customer that I am honored to serve.   We are proud to now offer financing and refinancing home loan services to Wisconsin.  Click to learn about our Wisconsin services.
Below you will find links to the four most common loan types and a prequalification loan application link.


Call Us Today to Discuss Your Home Loan Options (651) 388- 5150
100% Financing or Zero Down Payment Programs Available to Home Owners
Or if you ready right now to check on your prequalification, or a loan application then click below:

Just click on the home loan program logo you want to learn more about, then fill out the Contact form and we'll guide you the rest of the way.  It's that simple.   If you're ready to see if you pre-qualify for a loan, simple click on the button below and fill out he quick form.  We'll get back with you immediately.  No time wasted, no pressure, no hassle!


What does it take to be eligible to apply for an Minnesota FHA home loan?  FHA requirements includes details about income, credit rating and other factors, but before a loan officer looks at any of that information, an applicant has to meet the basics.


A Conventional home loan is not guaranteed or insured by the federal government. A conventional loan refers to a mortgage that follows the guidelines of government sponsored enterprises (GSEs) such as Fannie Mae or Freddie Mac.


Eligibility You must have suitable credit, sufficient income, and a valid Certificate of Eligibility (COE) to be eligible for a VA-guaranteed home loan. The home must be for your own personal occupancy. The eligibility requirements to obtain a COE are listed on our page for Service-members and Veterans, spouses, and other eligible beneficiaries.


The USDA changed rules in 2009 that makes millions of Americans eligible for its rural mortgage programs. The American dream of home ownership has become more difficult as families struggle to come up with the 20% down payment that many conventional home loans require. With a Minnesota USDA home loan, many are still able to get a zero down home loan.

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