Found assistance programs they never knew existed and made the numbers finally work.
First-time buyer · Twin Cities, MNDown payment assistance
Tiaira Quinn · Fairway Home Mortgage · NMLS #2568351
Black homeownership in Minnesota is at 29%. Let’s change that — starting with yours.
Education, down payment assistance, credit strategy, and a loan officer whose whole mission is bridging the gap to generational wealth. No judgment, no jargon, no dumb questions.
Serving all of Minnesota & Wisconsin · Se habla plain English
Tiaira Quinn · Fairway
is homeownership really possible for someone like me? 😅
Yes. That question is exactly where most of my clients start — and there’s real help: up to $45,000 in down payment assistance may be on the table. Where are you at right now?
tap one, fam 👇
Real conversation, sample wording — start yours
The gap, in numbers
Minnesota’s numbers should make everyone uncomfortable
0%
White MN households who own
0%
Black MN households who own
0
Twin Cities gap — widest of any major metro
$0
Max ABH Community Fund assistance
Sources: Minnesota Housing Partnership 2024 · Minneapolis Fed 2026 survey · Habitat for Humanity · abhfund.org — see the full data & history →
Why this site exists
The gap didn’t happen by accident. Closing it won’t either.
Racial covenants, redlining, and discriminatory lending built Minnesota’s gap on purpose over generations. In 1970, 42% of Black Minnesota families owned their homes. By 2022 it was 26%. That’s not a market trend — that’s a system that needs intentional work to undo.
Homeownership is still the single biggest wealth-builder most families ever have. Every closing is equity, stability, and something to pass down. That’s the mission here: one family, one set of keys, one legacy at a time.
why does owning matter that much? renting works fine 🤷🏾♀️
Renting pays someone else's mortgage. Owning pays yours — every payment builds equity you keep, borrow against, and pass down. That's how family wealth actually starts.
MN HousingParticipating lender network
Meet Tiaira
An advocate first. A loan officer second. Your lender for life.
Tiaira Quinn is a Minneapolis-raised, Concordia University-St. Paul-educated loan officer with Fairway Home Mortgage in Eden Prairie — and a participating lender in the Minnesota Housing network. Her specialty is the exact thing this mission needs: matching buyers with down payment assistance, grants, and affordable lending programs most people never hear about.
Her style is education-first and plain-language always. She breaks down every option, answers every question — day or night — and makes sure you understand your loan instead of just signing it. Because an informed buyer is an empowered owner, and an empowered owner builds wealth that lasts.
Your bridge to homeownership
Four steps that cost you nothing to start
01
Know your credit
Learn what actually moves your score, kill the myths, and build a plan — whether you’re at 550 or 750.
Credit education →02Find your money
ABH Community Fund, First-Gen DPA, Minnesota Housing — stack the assistance you’re eligible for.
Down payment help →03Know your number
See what a payment actually looks like at your price point — taxes, insurance, the whole picture.
Payment calculator →04Get pre-approved
One conversation with Tiaira, all your programs side by side, and a pre-approval letter that means business.
First-time buyer hub →Loan programs
Every tool in the toolbox
Conventional Loans
The workhorse of home financing — flexible terms, competitive costs, and down payments as low as 3% for first-time buyers.
Learn more →FHA Loans
The first-time buyer favorite — 3.5% down, friendlier credit requirements, and forgiving guidelines for real-life finances.
Learn more →VA Loans
For those who served — $0 down, no monthly mortgage insurance, and some of the strongest terms in all of lending.
Learn more →USDA Loans
$0 down for homes in eligible smaller communities — many Twin Cities exurbs qualify, and most buyers have no idea.
Learn more →Jumbo Loans
Financing above conforming loan limits for higher-priced homes — with the same guidance and straight answers.
Learn more →Down Payment Assistance
Minnesota has real down payment help — Minnesota Housing programs can put thousands toward your down payment and closing costs.
Learn more →Refinancing
Lower the payment, drop mortgage insurance, tap equity, or shorten the term — when the math works, Tiaira will show you. When it doesn’t, she’ll tell you.
Learn more →No idea which one? 🤝
That’s normal — and that’s Tiaira’s job. Text her your situation and she’ll tell you which programs actually fit.
💬 Text 651-334-9049 →Real clients, real reviews
Five stars.What working with Tiaira feels like
Highlights paraphrased from client feedback — full reviews on Tiaira’s Fairway profile.
Explained every step in plain language so nothing about the process felt intimidating.
First-gen homeowner · Minneapolis, MNEducation-first
Answered questions day or night and kept the closing right on schedule.
Refinance client · St. Paul, MNCommunication
Found assistance programs they never knew existed and made the numbers finally work.
First-time buyer · Twin Cities, MNDown payment assistance
Explained every step in plain language so nothing about the process felt intimidating.
First-gen homeowner · Minneapolis, MNEducation-first
Answered questions day or night and kept the closing right on schedule.
Refinance client · St. Paul, MNCommunication
Free education, no email wall
Knowledge is the first down payment
Plain-English guides on credit, the mortgage process, and every term a lender will ever throw at you. Free forever, no sign-up, because gatekeeping information is part of how the gap got here.
Open the glossaryok what does 'escrow' even mean lol
It's just a holding account your lender manages — part of your payment goes in, and taxes + insurance get paid out of it automatically. One less thing for you to track. 📬
Your family’s chapter one starts with a text.
Whether you’re credit-building, saving, or ready to make offers — Tiaira meets you exactly where you are. Free conversation, zero pressure, all your options.