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  • First Time Home Buyer Loans with Interest Rates You Can Brag About!

  • Support and guidance during the entire process

    We know buying your first home can be a scary process. We've been there ourselves, and have also helps thousands get there to. You can trust we'll help you too.

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    First time home buyer down payment assistance
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    Wondering what a house payment might look like? Use our mortgage calculator to get an idea.


    Get matched with the right program First Time Home Buyer program to make your dream of home ownership a reality from local Minnesota based loan experts.
  • Quick and easy, our first time home buyer automated online loan assistant will help determine loan options based on your individual needs. Answer a few simple questions, then we can narrow down programs and options. If you like it, then you can move on to a full application.

    Start Here

  • Ready to make it official? This starts with completing a full application that we will use to make an actual loan approval decision. You can complete it online in a few minutes, or schedule an office, phone, or virtual application.

    Apply Now

  • Should you continue to rent or buy a home? Many things go into this decision the typical first time home buyers, including; How long do you plan on living in the house, Credit Scores, Stable Job, Down payment money (or lack thereof)

    Run Numbers

  • Our fully licensed and experienced First Time Home Buyer expert Loan Officers will narrow down the perfect loan for you, explain the loan process, including all loan and assistance programs that are the best match for you.

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  • 2021 Minnesota first time home buyer programs

    Relax, we are here to walk you through the process.

    You've heard the horror stories...how hard it is to qualify, the mounds of paperwork you have to provide, the difficulties and delays. Not to mention the fighting, shopping, and haggling to get a good mortgage interest rate.  

    I've got great news... Not at Cambria Mortgage.

    We are here to solve that for you. Start by downloading my Smartphone app and I'll give you the inside scoop to make qualifying for a great low rate mortgage EASY. Yes, I really did say easy.
    When you're ready, the next step in getting a low rate mortgage made easy is to contact us so we can review your unique situation and make sure that you get a low rate mortgage without the stress and hassle that's normally associated with it. 
    It's easy to reach us, just call (651) 552-3681, or if you prefer you can email us. Either way, we are here to make the experience of getting a mortgage a good one for you. 
    Whether you need the mortgage to buy a home, or are looking to refinance for a better rate or some cash out of your property, we can help.
  • First Time Home Buyer Programs

    First time home buyer program is a generalize term used for to describe many different home mortgage loan programs, but essentially it means you get a little something special in a mortgage loan program because you never owned a home previously, or have not owned a home in the last three years, or to promote home ownership in certain target areas, usually inner cities. Common elements may include below standard market interest rates, reduced private mortgage insurance costs, smaller down payment requirements, expanded debt-to-income ratio's, and the most popular part, down payment assistance.

    Minnesota first time home buyer programs are typically offered by local mortgage lenders like us, and almost never by the big internet lenders. They usually are offered in conjunction with Federal, State City, or County government entities, and some non-profits and corporations.

    With all these options, qualifications and requirements, availability may vary greatly. It is often hard for a potential home buyer to determine how to move forward without the guiding hand of one of our first time home buyer program experts.

    Let us help you make your dream come true.

    See If You Qualify

  • Down Payment Assistance

    Need down payment assistance to buy your first home?  We can help you there too!  With many different assistance programs to choose from, we probably have something that will work perfectly for you.

    Down payments and closing cost assistance is for qualified first-time homebuyers must have a credit score of at least 640, they must meet certain income limits and must be able to obtain a mortgage from a lender. Borrowers must also attend a homebuyer education course. Down payment and closing cost loans are available up to $15,000! 

    See If You Qualify

  • Latest First Time Home Buyer News

  • Follow These Simple Steps To Become a Home Owner

    Minneapolis, MN: Being a first time home buyer can sound scary.  It really isn't, and obviously millions of people have done it before you.  Here are the 7 simple steps to becoming a home owner. 1) Apply for Financing Pick one of these options to start: (We lend in MN, WI, IA , ND, SD only) You can complete an online application right now on this web site, or your Smartphone. Just click the link to start. Call (651) 552-3681 to apply by phone or to schedule an appointment Schedule an appointment electronically via our automated scheduling software for an office appointment,

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  • Applying for a mortgage in a COVID World

    While CDC guidelines seem to be loosening with each passing day, for many people things still don’t feel “normal” enough to be comfortable meeting in-person. So the question is… Can you still obtain a mortgage with limited contact? Yes, at Cambria Mortgage you definitely can. Getting a mortgage virtually is a popular option, and we’re more prepared than ever to provide that service to our clients. Here are three tips to help your transaction go smoothly: Download the Cambria Mortgage Mobile App Your very first step to obtaining a home loan is to apply for one.

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