• Welcome to Minnesota Homes and Loans - A service of Cambria Mortgage

  • Many different first time homebuyer programs in MN

  • Don't have much of a down payment?  Only $1,000 required!

  • VA loans are ZERO Down Payment in MN to $417,000

  • Whatever your Minnesota first time home buyer program need - Apply Online Today...


First Time Home Buyer Programs and Down Payment Assistance Programs in MN. MN Home Loans!

Tired of Renting? Ready to buy your own home?

Owning a home offers numerous benefits, but for many people, coming up with the down payment money can be difficult. 

WE CAN HELP! From Minneapolis and St Paul, to Duluth, Rochester, Marshall and beyond, we offer first time home buyer loans with down payment assistance for those who qualify.

From true no down payment loans, like VA loans for our active or former military, and the NO down payment USDA Rural Development Loan for rural parts of Minnesota, to first-time home buyers in need of a down payment assistance program - we have a mortgage loan for you!


We have even been voted Best Mortgage Company in the Twin Cities based on Customer satisfaction.

We have extensive experience in various down payment assistance programs in MN. We are not some out-state internet lender who can't even find Minnesota on a map!

You can expect to receive the most competitive quotes, and lowest closing costs on your home loan from our knowledgeable mortgage Loan Officers.


Need the lowest mortgage interest rates in MN?

Cambria Mortgage is committed to providing you with the best and lowest down payment assistance program interest rates in Minnesota

Get a personalized mortgage interest rate and closing cost quote 24/7. No SSN required.  We are your local award winning Mortgage Experts, with a 5 STAR Performance Promise!


The Complete Guide for First Time Home Buyers

We know buying a home can feel overwhelming. So simply download our Complete Home Buyers Guide Book (it's FREE) to learn all about the process.


VA First Time Home Buyers don't need Down Payment Assistance?

Zero down payment VA Loans in MNVA Loans are zero down payment, and the sellers can pay your closing costs, so there is no need to bother with any down payment assistance programs.

We can take your First time home buyer Loan Application in our office, over the phone at (651) 552-3681, or you can securely apply online 24/7.

Regardless of the application manner, your information will be processed and reviewed by an experienced, and fully licensed Loan Officer.

Be in your own home next month!

Latest Mortgage News

YES - You CAN Buy a Home with as little as $1,000

Our first time home buyer down payment assistance loan programs require the home buyer to contribute A MINIMUM $1,000 of THEIR OWN MONEY to buy the home. 

You can get the rest of the down payment from an assistance program, and you can get the home seller to pay your closing costs too!

Up to $10,000 available for those who qualify, but most people get, and only need $5,000 to $6,000.

Call (651) 552-3681 to get started, or simply fill out the easy  online first time home buyer and down payment assistance program loan application.