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

  • 3% down mortgage loan

    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
    mortgage calculator

    Calculate a payment

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

    Calculate

  • Start HERE for a Quick Peek

    Not a full application - our Quick Qualify 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.

    Start Here

  • Start HERE - Full Application

    Ready to make it official? Our full online loan application process is quick, easy, and secure. You can also schedule an office appointment, phone appointment, or virtual appointment. Apply today, get an answer today.

    Apply Now

  • Buy or Rent

    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

  • Learn The Loan Process

    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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  • Relax. The path to your first home is easy with Cambria Mortgage.

    Just follow these super easy steps

    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.  Not at Cambria Mortgage...

     Fill out an Application

    This gives us all the information we need to determine what mortgage loans you qualify for, how much house you can afford to buy, how much money you will need, and what monthly mortgage payments might look like. We will answer all your questions, and figure out the loan that is best for you.  START HERE

     Get Fully Pre-Approved

    If the basic application looks good, now you need to submit standard documents, like pay stubs, W2's, and bank statements. After these are reviewed, you'll receive a pre-approval letter to start shopping for a home

     Find and Close on the perfect Home

    With a Cambria Mortgage pre-approval letter in your hand, you can offer and buy with confidence. Once you find your dream home, we will walk you through the remaining final underwriting process, answering all your questions, all while getting your to the closing table where you will get handed the keys to your own home!

     Install the Cambria Mortgage App

    We make the first time home buyer experience better, with the Cambria Mortgage App for Smartphones. You can complete a loan application, check your loans status, electronically sign loan documents, scan and upload documents, and more.  INSTALL THE MORTGAGE APP

  • 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 assistance loans are available up to $17,000 in Minnesota! 

    See If You Qualify

  • Latest First Time Home Buyer News

  • Buy a Minnesota Home with as little as $1000

    April 4, 2023
    Buy a Minnesota Home with as little as $1000

    Minneapolis, MN: YES, it is possible!  Learn how to buy a home in Minnesota with as little as $1000 out of your pocket. Information on a Minnesota first time home buyer program using down payment assistance from Minnesota Housing and Cambria Mortgag.,Interest rate on this program, as of the date of the video, March 2023, was 6.50%, APR 6.74%.  Subject to change. Please call for current information.

    Read more

  • The scoop on the real estate market for 2023

    February 3, 2023
    The scoop on the real estate market for 2023

    Real Estate Supply and Demand. Feb 3, 2023 Minneapolis, MN: The current inventory of homes for sale remains at low levels, yet with higher interest rates and economic uncertainty, demand and price growth has slowed, but has not stopped. BASIC MARKET FORCES AT WORK Buyers previously stuck in bidding wars over asking price and sometimes against dozens of competing offers now suddenly find themselves in a more historically normal atmosphere. Sellers may now again be more inclined to negotiate and allow for traditional buyer protections, like home inspections, and common items like

    Read more

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  • With all that we have to offer, why risk it with anyone else? Apply NOW

  • equal housing lender Minnesota, wisconsin, iowa, north dakota, south dakota

    Cambria Licensed Mortgage Loan Officer serving home owners, home buyers and residential real estate investors. Equal Housing Lender, Cambria Mortgage NMLS #322798. I am a licensed mortgage originator, NMLS #274132, and am licensed to originate mortgage loans in: MN, FL, WI, IA, ND, and SD. Lending services may be provided in certain states by Cambria Mortgage NMLS #322798. This is not an offer to lend or to extend credit, nor is this a guaranty of loan approval or commitment to lend. The information here may not be up-to-date and may no longer be accurate. Consumers must independently verify the accuracy and currency of available mortgage programs. All loan approvals are subject to the borrower(s) satisfying all underwriting guidelines and loan approval conditions and providing an acceptable property, appraisal and title report. Actual rates available to you may vary based upon a number of factors. Consumers must independently verify the accuracy and currency of available mortgage programs. All loan approvals are subject to the borrower(s) satisfying all underwriting guidelines and loan approval conditions and providing an acceptable property, appraisal and title report. © 2023 Joe Metzler