


Need financing options on a home, or other real estate? Choosing a purchase loan product that matches your goals and making sure you get a favorable rate doesn’t have to be stressful!
We’re here to make the home loan process easier, with tools and knowledge that will help guide you along the way, starting with a pre−approval letter request.
We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you, whether you’re a first-time homebuyer or a repeat buyer.
To qualify for a mortgage, lenders typically require that you have a debt-to-income ratio of “43/49.” This means that no more than 43% of your total monthly income (from all sources, before taxes) can go toward your new mortgage payment, and no more than 49.99% of your monthly income can go toward your total monthly debt (including your mortgage payment). VA and FHA loans even allow for higher debt ratios on a case by case basis.
FHA, VA & USDA Loans
Conforming Loans
Jumbo & Super Jumbo Loans2 Column
Fixed-Rate Mortgage
Terms from 5 to 30 Years
Adjustable-Rates Mortgage (ARM)


© Copyright 2026. Mesha Miller.
Licensed to Do Business | NMLS #2258067
This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply. Copyright © 2026 | Roseth Mortgage
Corporate | NMLS ID NMLS# 1818791
17781 Lincoln Street NW, Elk River, MN 55330