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2025 Top Producing Loan Officer Eligibility Deadline is December 31
The Top Producing Loan Officer Program for Single Family Homeownership recognizes individual participating lender loan officers annually for closing the highest number of Minnesota Housing loans.
To be considered a Top Producer, loan officers must close a minimum of two loans during the calendar year, with the True and Certify process completed. If you’ve switched companies during the year, you’ll receive credit for all loans originated as a loan officer with a Minnesota Housing participating lender, as long as you are correctly set up with your new company in Minnesota Housing's commitment system during the recognition period.
Minnesota Housing will announce the Top Producers during the first quarter of 2026 and will post results on our website on the Lender Directory.
Contact your Business Relations Representative for additional information about the Minnesota Housing Top Producing Loan Officer Program for Single Family Homeownership Loans.
The Minnesota Housing Top Producing Loan Officer Program recognizes individual loan officers based solely on the number of Minnesota Housing first‐time homebuyer loans produced in one of the designated regions for the program on an annual basis. Designations are not intended as a formal referral or preference for individual loan officers and no financial or other measurable benefit is intended to be granted to loan officers on a preferential basis.
Document Updates
We updated the Start Up | Step Up Program Description and the Downpayment and Closing Cost Loan Comparison Chart with the following clarification about our program requirements:
- Only one Minnesota Housing First Mortgage and one MPL/DPL/DPL+ is allowed to be open at a time.
eNews Links in Archive
Please be aware that the previous link issue on the website may be affecting documents and links accessed through archived eNews communications sent before November 2025.
If you encounter a broken link in an archived eNews, please try visiting the Homeownership Lender Toolkit or using the search feature on mnhousing.gov to find the page or document you need.
We apologize for any inconvenience this may cause.
Upcoming Holiday Closures
Minnesota Housing will be closed on Thursday, December 25 and Thursday, January 1 for Christmas and New Year's Day. Lenders will be unable to lock new loans between 5 p.m. on the Wednesday before the office closure and 10 a.m. on the Friday after each holiday.
When does the 28% minimum housing ratio apply?
The 28% and above housing ratio only applies to a Start Up loan when using the Deferred Payment Loan or Deferred Payment Loan Plus downpayment assistance loans.
If the Start Up loan has a Monthly Payment Loan added, is there a 28% and above housing ratio requirement?
No, this only applies when using the Deferred Payment Loan programs.
Does the Monthly Payment Loan with Step Up have to follow the 28% and above housing ratio?
No, only Start Up with a Deferred Payment Loan.
You can find out more information in the Downpayment and Closing Cost Loans Comparison Chart located in the Lender Toolkit. For further questions please reach out to the Partner Solutions Team.
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2026 Monthly Training Webinars
Join Minnesota Housing‘s webinar training series designed to help you successfully originate our loans. This instructor led training lays out the basics of our Start Up, Step Up, and Downpayment and Closing Cost Loans. You’ll learn how they work, what eligibility criteria is required as well as review how to access tools and resources. Not to mention it’s a great opportunity to ask questions!
Monthly Update & Hot Topics Call
The Monthly Update & Hot Topics Call is for our lending and other community partners. During these calls we review recent Minnesota Housing updates and important information to help you originate and process our loans. Lenders are welcome to submit questions or topics to discuss on the call. This is a great venue to have more in-depth discussion on advanced topics. If you are a consumer, please visit www.mnhousing.gov to learn more about the programs we offer, the resources available to you and to find a participating lender.
Register for the 2026 calls.
When you register, you will be signed up for all sessions in the series but can attend the sessions that work for you. Most calls occur on the second Thursday of the month from 9-10 a.m. Central time.
2026 Schedule:
- January 8
- February 12
- March 12
- April 9
- May 14
- June 11
- July 9
- August 13
- September 10
- October 8
- November 12
- December 10
Questions?
You can reach the Partner Solutions Team at 651.296.8215 or 800.710.8871 between 8 a.m. and 5 p.m. on business days.
About Minnesota Housing
Minnesota Housing, the state’s housing finance agency, works to provide access to safe, stable and accessible housing Minnesotans can afford in a community of their choice. In 2024, we distributed $1.96 billion in resources and served 73,650 households. Visit our website to learn more.
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