• Tel: (651) 252-1342
    Email: loans@firsttimehomebuyer-mn.com
    NMLS 274132

  • We will find the right mortgage for you

    FirstTimeHomeBuyer-MN.com assists with first time home buyer programs, and down payment assistance for new home buyers in Minnesota, Wisconsin, and South Dakota. We can help you too.

    Schedule an Appointment

    Find a program to get you a home

    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.

    Get Pre-Approved

    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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    Wondering what a house payment might look like? Use our mortgage calculator to get an idea.


  • Are you are a first time home buyer in need of a low down payment program, or closing cost and down payment assistance? We are here to help! Our loan experts will match you with Minnesota programs to make your dream come true.

    Make an appointment

  • Depending on your situation and where you want to live, programs options vary. With over 40-years combined lending experience, our loan experts will narrow down what assistance programs, grants and loan programs may be available and that are the best matches for you.

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  • Once you complete a loan application, it will be be reviewed to see if it matches with available home loans, grants and assistance programs. There are many variables as well as numerous programs, so not every question can be asked. But we will do our very best to match you with a program!

    Learn more

  • Your first step as a first time home buyer is to get pre-approved for financing. Most people APPLY ONLINE, but we cal also take your application over the phone, or you can have a sit down appointment in our St Paul, MN office

    Get Pre-Approved

  • 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

  • Tax Refund for Down Payment

    February 24, 2020
    Tax Refund for Down Payment

    Minneapolis, MN:  Face it, saving money for down payment can be hard.  One reason why spring is such a popular time to buy a home is because of a tax refund. The tax refund extra jolt to your bank account balance helps push many people over the top in the down payment

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  • Learn about rehab loans

    February 20, 2020
    Learn about rehab loans

    Found a diamond in the rough? Cambria Mortgage Renovations loans can help in MN, WI, IA,ND, and SD There are many homes in the market that are a diamond in the rough. With a little vision, elbow grease, and a little money, many of these homes can be restored to their

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