do you work with first time home buyer programs
Nicole. I work with first time buyers all the time and am able to get many of them approved for first time buyer money. If you are looking for St Paul specifically I would consider either the MHFA or City Living programs. However if it is outside of St Paul there are other programs that could work as well. ...

Which MN lenders are participating in HARP 2.0?
We are doing them at Waterstone mortgage. Please call me at 763-746-9920 if you have any questions you need answered.

What are my options if I have a conventional loan that is not owned by Fannie or Freddie that is underwater?
If you are truly underwater then your only option would be to look at doing a loan modification with your current lender. That is assuming that you really are not owned by Fannie or Freddie.