• Jessica Goldberg * NMLS #1713098

    ~Email: jessica.goldberg@cardinalfinancial.com ~Cell Phone: (612) 718-6763

    ~Office Phone: (702) 945-0281

    Mortgage License
    Minnesota, Wisconsin, Nevada, California, Arizona, and Florida
    Let's make your dreams of home ownership become a reality!
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  • Minnesota

  • Fun Fact about Minnesota: Minnesota's nickname is "The Land of 10,000 Lakes." but it has at least 11,842 lakes of 10 acres or more. If you count the smaller lakes, the number goes up to as many as 15,000. Minnesota has more recreational boats than any other state: one per every six people. 

  • Minnesota Housing Finance Agency

  • The Start Up Program is offered statewide for eligible first-time homebuyers. There are two different loan programs Deferred Payment Loan & Monthly Payment Loan (Repayment). These program offers affordable interest rates. Interest rates varies depending on the current business market. Call to find out what today's rates are. 

     The Start Up Program is eligible on Conventional, FHA, and VA loans.

  • Eligibility Criteria
    • First-time homebuyers- Borrower(s) may not have had ownership interest in a Principal Residence at any time during the three year period ending on the date of execution of the mortgage
    • Co-signers are permitted
    • Must be Principal Residence 
    • Must occupy within days after the closing of the loan
  • Income Limits
  • 11-County Twin Cities Metro Area: 

    • 1 or 2 Person Household: $94,300
    • 3 or more Person Household: $103,900
  • Dodge and Olmsted Counties 

    • 1 or 2 Person Household: $90,500
    • 3 or more Person Household: $104,000
  • All Other Counties

    • 1 or 2 Person Household: $84,200
    • 3 or more Person Household: $96,800
  • Acquisition Limits
    • 11 County Metro: $328,200
    • Balance of State $271,100
  • Homebuyer Education
    • Borrower's are required to complete Homebuyer Education. It is required by an approved Homebuyer Education Provider: 
      • Home Stretch 
      • Pathways Home: A Native Homeownership Guide 
      • Realizing the American Dream 
      • Framework (Online Course) 
  • Dakota County CDA- First Time Home Buyers Program

  • All borrowers on the loan must be a first time home buyer. Borrower's can receive Down Payment Assistance (DPA) up to $8,500. The interest rate varies depending on the business market. Call to find out what the current rate is.
     
    This DPA is eligible on Conventional, FHA, and VA loans
  • Eligibility Criteria
    • First-time buyers - All borrower(s) & Spouses. 
    • Will need past 3 years of Federal Income Tax Returns for ALL borrower(s) & Spouses. 
    • Must be able to permanently reside in the U.S..
    • Must be Principal Residence. 
    • Must Occupy within 60 days of closing.
  • Dakota County, Minnesota
    • Apple Valley 
    • Burnsville
    • Coates
    • Eagan
    • Farmington
    • Hampton
    • Hasting
    • Inver Grove Heights 
    • Lakeville
    • Lilydale 
    • Mendota 
    • Mendota Heights 
    • Miesville 
    • New Trier 
    • Randolph
    • Rosemount 
    • South Saint Paul
    • Sunfish Lake 
    • Vermillion 
    • West Saint Paul
  • Income Limit Criteria
    • Household income- include income mortgagor(s), person expected to both live in the residence and sign the note, and any person who both the legal spouse of a mortgagor and is expected to live in the residence.
      • 1 or 2 Person Household: $94,300.
      • 3 or more Person Household: $103,900.
  • Acquisition Limits
    • $304,050 for single family homes, townhomes or condominiums 
  • Home Buyer Education
    • Required of all Borrower(s)
    • Must complete PRIOR to closing 
    • Approved education providers include: Homestretch Homebuyer Education OR Framework Online Education