• (651) 552-3681

    Home Purchase - Home Refinance
    Serving MN WI IA ND SD CO FL

    Upload Documents Cambria Mortgage app
    Cambria Mortgage application

  • First Time Home Buyers – Save on your mortgage the first two-years!

    Minneapolis, MN: A great tool most homebuyers have never heard of is known as a 2/1 buydown. Start your loan with a 2% lower rate the first year, 1% lower the next year, and then the normal rate for the remainder of the loan with a 2/1 buydown from Cambria Mortgage. Let us help you make those first couple of years as a homeowner more affordable.

    This lower initial rate results in smaller monthly payments during the early years of the mortgage, which can be especially helpful for buyers who anticipate their income will increase over time or who want to ease into homeownership. The buydown can provide more breathing room in the budget, allowing buyers to save for future expenses or invest in home improvements, while still securing a long-term mortgage at a fixed rate after the initial period.

    A 2/1 mortgage buydown offers significant short-term financial relief for homebuyers by reducing the interest rate in the first two years of the loan.

    As an example, assume the current 30-year fixed mortgage rate is 7%, a homebuyer could obtain a mortgage with a rate of 5% for year one, 6% for year two, and then 7% starting in year three and for the remaining term.

    Using the same scenario, if you took out a $300,000, 30-year mortgage, your monthly mortgage payment during the first year would be $1,610. In the second year, your payment would go up to $1,799. Your monthly payment would then rise to $1,996 in the third year.

    Keep in mind this example doesn’t include taxes and insurance, so your actual monthly payment payment will be higher.

    Next, the buy down commonly isn’t free.  Basically someone needs to pay all the ‘saved’ payment you are not paying up-front. Commonly, you’ll see builders offer this with a new construction home, but understand, where they simply add the cost of the buydown into your new home price.  You can also try getting a regular home seller to pay this too. Sometimes they will, but again, understand the cost is always worked into the sales price of the home.

    With the Cambria 2/1 buyer down, we cover the cost, so it doesn’t add a penny to the cost of your home. Lower payments for the first two-years without the cost!  Talk about a Win Win!

    We offer this program in the following states of CO, FL, IA, MN , ND, SD, WI, only.

    Mortgage Application

    To see if you qualify, we simply need you to complete a no cost, no obligation online application. You can call (651) 552-3681,  or schedule an appointment for a phone, office, or Zoom appointment right online, or for faster service, simply complete an online application

  • ** EXPERIENCE MATTERS **

    Top rated mortgage lender locally and nationally, year after year... This is because clients agree - Experienced Loan Officers with mortgage interest rates you can brag about and amazing service clearly sets us apart from the big banks and online lenders.

  • Equal Housing Lender. The Joe Metzler Team at Cambria Mortgage lends in Minnesota, Wisconsin, Iowa, North Dakota, South Dakota, Colorado, and Florida only. This is not an offer to lend or to extend credit, nor is this a guaranty of loan approval or commitment to lend. Information here can become out of date, and may no longer be accurate. Products and interest rates are subject to change at any time due to changing market conditions. Not all programs available in all states. 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. Joe Metzler, NMLS 274132, Cambria Mortgage NMLS 322798. © 1998 - 2025.

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