First Time Home Buyer? Start your loan with a 2% lower rate the first year, 1% lower the next year, and then the normal...
- (651) 552-3681
- Joe.Metzler@CambriaMortgage.com
- 33 Wentworth Ave E, St Paul, MN 55118
You DON'T NEED A Large Down Payment
We 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
Service
5 Star Service
APPLY ONLINE
in 10 minutes
cLOSE as soon
as Two Weeks
GET PRE-APPROVED
Fast & Easy Application Process
Complete a simple application
Online, with our mobile app, over the phone, or in-person.
Applying online is the most popular
Applying online is the most popular
Get Your Loan Approved
Submit all of the paperwork required to complete the purchase, like pay stubs, W2's, and bank statements.
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.
We have deep Minnesota roots. We've been passionate about achieving better results for our clients
what we do
client results
social impact
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
WHAT OUR CLIENTS SAY
Some of our Awesome Testimonials
It was a pleasure to meet and work with you. Your input, expertise, and estimates helped me to move forward and know I would be OK. If you need a reference, or I can post my outstanding experience, I would be happy to do so. Many Thanks.
Maplewood, MN ★★ ★ ★ ★
Joe was able to pull off a successful closing with a extremely tight deadline and unique circumstances! Most other lenders would have not been able to pull it off. Very thankful for our partnership in getting our client the house of their dreams!
Wisconsin (August 2023) ★★ ★ ★ ★
Very satisfied. Everything was so well explained, and both of you are great trouble shooters! I feel that you and Eric were the perfect team to successfully offer us an asset depletion loan. You both are truly experts in your fields!!
(Purchase - April 2022) Minneapolis, MN ★★ ★ ★ ★.
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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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