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No. FHA loans typically require around 3.5% down, and Minnesota Housing down payment assistance (like the Monthly Payment Loan or Deferred Payment Loan) can reduce that further. Conventional loans with as little as 3–5% down are also available for well-qualified buyers. Talk to a lender early so you know your real number, not a rule of thumb.

FHA programs typically work with scores as low as 580, sometimes lower with compensating factors like steady employment or low debt. If your score needs work first, a good lender or agent will tell you honestly and give you a realistic timeline rather than stringing you along.

Start Up is Minnesota Housing's flagship first-time buyer loan program, often paired with down payment and closing cost assistance. Eligibility depends on income limits and purchase price limits that vary by county, so confirm current numbers with a participating lender rather than relying on last year's figures.

In most transactions, buyer's agent commission is paid through the sale, not billed to you directly. We confirm exact terms up front so there are no surprises before you write an offer.

No — that's the entire point. We evaluate the property as it stands today, whatever condition that is, and price and market it accordingly.

That's one of the most common as-is situations we see. Inherited properties often carry deferred maintenance, old systems, or contents that still need to be cleared — none of that is a dealbreaker for an as-is sale.

As fast as you need — some sellers close in as little as two weeks. We also work on your timeline if you need more flexibility for probate, relocation, or other logistics.

No. Victory Home Team is a licensed real estate team, not a wholesaler flipping contracts. You get straightforward terms, real market exposure where it helps, and a real team behind the transaction.

We walk through exact terms in your walkthrough. The goal is straightforward repayment from proceeds, not a hidden financing product with interest games.

We discuss contingencies specific to your situation during the qualification conversation — nothing about the Refresh Program is one-size-fits-all.

Scope depends on the home and its expected return once repaired. We give you clear numbers before anything is committed, so you're deciding with full information.

Yes — the same rehab pipeline that powers the Refresh Program for retail sellers is what feeds off-market rehab inventory to our investor network.

Properties that sell without ever being publicly listed on the MLS — typically sourced through direct relationships with motivated sellers going through our Refresh Program or Sell As Is channels.

Yes — our service area includes the MN lake corridor (Brainerd, Grand Rapids, Duluth, Superior), and we regularly work with investors who aren't local to the Twin Cities.

The same repair coordination we run for retail sellers through the Refresh Program extends to investor properties — we handle the rehab logistics so you don't have to manage contractors from a distance.

We evaluate every opportunity individually. Reach out with specifics and we'll give you a straight answer for your situation — no generic cutoffs.