The Fastest Wayto Your New Home
Cambria Mortgage and our many first time home buyer options!
Including down payment assistance!
Don’t MissYour Perfect House!
Get Pre-Approved today!
We make the process simple, stress free, and answer all your questions along the way.
Cambria Mortgage
Start TodayIt's easy
No cost, no obligation to apply

You DON'T NEED A Large Down Payment

First time home buyer Mortgage loan ApplicationWe offer numerous loan options that either require NO Down payment whatsoever, like our special 100% financing FHA program, and zero down payment needed programs like the USDA rural housing loans, and VA home loans for our military personal, to very low down payment programs, like Homeready (TM) from Fannie Mae (R) starting at just 3% down, or even a standard FHA loan, with just 3.50% down, which is probably the loan your parents used to buy their first home.

Of course down payment and closing costs assistance programs are also available for those who qualify. For example, a very popular program we offer only requires YOU to put $1,000 of your own money into buying the house.

Apply now to find out what you qualify for. No cost, no obligation.


Down payment starting

at ZERO Down


5 Star Service


in 10 minutes

cLOSE as soon

as Two Weeks

Fast & Easy Application Process

Step 1

Complete a simple application

Online, with our mobile app, over the phone, or in-person.
Applying online is the most popular
Step 1
Step 2

Get Your Loan Approved

Submit all of the paperwork required to complete the purchase, like pay stubs, W2's, and bank statements.
Step 2
Step 3

Get Your Pre-Approval Letter

Once all previous steps are done, you are ready to meet with a Real Estate Agent to find that perfect first home.
Step 3
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We have deep Minnesota roots. We've been passionate about achieving better results for our clients

We provide many loan programs, great rates, and awesome service. We constantly work on delivering the best services to our clients. Our license Loan Officers will walk you through every step of the loan application and approval process – from answering questions, to closing your loan quickly.

contact us

Feel free to contact our Loan Officers

Online loan application can save you a lot of time and effort, you can undertake most transactions from the comforts of your home. However, we are always here an answer any and all of your questions.

Joe Metzler, Sr Loan Officer

Some of our Awesome Testimonials


Speed Up the Loan Process

Install the Cambria Mortgage Mobile App for an Enhanced Mortgage Experience

With Our FREE Mobile app for iPhone ™ or Android ™ you can do a full loan application, follow the status of your loan, scan and upload documents, calculate potential house payments, and more!

You also get direct contact with your Loan Officer, have push notification reminders for important dates (appraisal, closing, rate lock etc.), initiate a chat, and contact information for all involved.

Mobile Capture Technology even allows you to scan and securely upload documents, and via our secure portal, you can view, eSign, and download loan documentation (approval, appraisal and closing docs). 

As a first time home buyer...

The home buying process can feel scary and overwhelming.  But don’t worry, we have you covered. Just reach out to us at (651) 552-3681.

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