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  • Tel: (651) 552-3681
    Email: joe@joemetzler.com

  • MN First Time Buyer Programs

  • Cambria Mortgage and I are committed to nurturing dreams of prosperity, by supporting individuals and families in their goal of achieving homeownership.

    We offer a variety of mortgage options, including conventional and government products, as well as programs for first-time homebuyers, including down payment and closing cost assistance for eligible borrowers.

    Here is a sample of some of the great programs we offer:

    MHFA – Minnesota Housing Finance Agency

    A Minnesota statewide program to assist both first-time and repeat homebuyers. Down payment and closing cost assistance is available to qualifying households up to $10,000.

    HomeReady and Home Possible Mortgage

    These programs only require a small 3% down payment and and lower Mortgage Insurance costs as long as you take a first time home buyer education class. Gifts for down payment from family is OK.

    203k Rehab loans

    Get the money needed to both buy and fix-up that perfect diamond in the rough house all in one loan.

    FHA Loans

    A great option for first-time homebuyers, those without a lot of savings, and those with weaker credit. FHA loans allow for a reduced down payment and less restrictive credit requirements.

    VA loans for our military personal

    Active and former members of the armed services deserve special thanks, and they can get it with up to 100% financing for the purchase or refinance. Plus there is never any monthly Mortgage Insurance.

    USDA Rural Housing Loans

    An awesome no down payment loan for those who meet qualifying household income levels, and desire to purchase a house in a rural area.

    Apply online today

    (651) 552-3681

    NMLS 274132