"Minnesota is pretty good with midwives and homebirths, I think."
I won't go on about it anymore but please do some serious research anyway. The other posters on this thread may have read Ina May and watched Ricki Lake, but they made their decision to homebirth in a completely different context to you. Because they know that the UK licenses and regulates healthcare practitioners, they could assume that anyone calling themselves a midwife has met the same standard as every other midwife and that safe procedures, up to date training etc. were be in place for them if they needed it. You can't make that assumption.
The US, as you probably know, is generally not so big on regulation. Being so close to the hospital won't help if you have a midwife who doesn't have a clue that anything is wrong in the first place because she's not properly qualified. States in the US, including as far as I can see Minnesota, leave it to women to 'interview' their own midwife and make their own decisions, 'free market' style. The trouble is, of course, that unless you're also a midwife or obstetrician, you're in no position to make an informed assessment of that midwife.
I got the below from a quick google so don't know how accurate it is but it illustrates what I'm talking about. DEM's, TM's and CPM's are not comparable to the UK NHS midwives that most posters here were assisted by. DEM's, TM's and CPM's would not be permitted to practice in any other advanced country. I know that that makes your choices more limited and the chances are that everything will go fine regardless of how underqualified your midwife is, but the whole idea of homebirth being safe is founded on having someone properly qualified, trained and experienced being there just in case yours is the one that does go wrong. The other posters here could afford to focus on the benefits of homebirth that they're telling you about because they knew that the risks have effectively been managed for them by the state. You don't have that luxury so please take this on board and do your own risk assessment.
"What are the types of midwives?
Certified nurse midwives (CNMs) have nursing degrees and may have a master?s or PhD. They have completed midwifery training and passed state and national exams to be certified in every state. CNMs mostly work in hospitals and may work alongside doctors.
Direct-entry or traditional midwives (DEM or TM) do not necessarily have a degree, certification, or training but have learned their skills hands-on. They typically practice in home settings or freestanding birth centers. In Minnesota, licensure is voluntary. Traditional midwives who choose to be licensed become certified professional midwives (CPMs) through the North American Registry of Midwives. They typically practice in homes and birth centers."