• 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 online Loan Assistant is here to help narrow down options based on your individual needs. Answer a few simple questions, then we can narrow down programs and options. If you like it, then we can move on to a full application.

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  • 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)

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  • 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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  • For First Time Home Buyers in MN WI IA ND SD

  • First Time Home Buyer?

    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.
    Joe Metzler, Loan Officer
    I'm here to solve that for you. Go ahead and download 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 me 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 me - feel free to call me direct at (651) 552-3681, or if you prefer you can email me. Either way I'm 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, I can help. 
    I look forward to hearing from you.
  • First Time Home Buyer Programs - What Are They?

    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, and that starts with completing the online LOAN APPLICATION, or Scheduling an Appointment.

  • Latest News

  • 31 percent of home buyers in 2020 were first time buyers

    Minneapolis, MN: Being a first time home buyer can feel a bit scary, but a whopping 31% of home buyers in 2020 were just that, and we can help you be one in 2021. It all starts with a simple application. The application can be taken over the phone at (651) 552-3681, in

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  • Your Lender Choice Makes A Difference

    Minneapolis, MN:  With mortgage interest rates near historic lows, and a lack on homes for sale, the Minnesota housing market is one of the most competitive markets I've ever seen in over two decades of mortgage lending. So what does this mean for home buyers? Simply put,

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