If you're like most people, purchasing a home is probably one of the biggest investments you'll ever make in your lifetime.


Choosing the correct mortgage loan program for you and your family is not something most people should tackle on their own.  It is usually best to let a fully licensed and experienced Loan Officer do a professional analysis of your situation, then discuss with you the best options for your situation.


NOT all Loan Officers are licensed. As a matter of fact, most are not. But here at Cambria Mortgage, ALL of our Loan Officers are licensed, with over 15-years average experience. So you can trust a proper and professional analysis of the loan best for you.




Follow the links for more details on each program:


Standard conventional loans backed by Fannie Mae or Freddie Mac

FHA Loans - insured by the government

VA Loans - for our military, and insured by the government

USDA Rural Development Loans - backed by the government

First Time Home buyer loans - if you have not owned in the past 3-years

Down Payment Assistance Loans - if you need a little help




Fixed Rate loans

  • 30-year
  • 25-year
  • 20-year
  • 15-year
  • 10-year fixed
  • Many programs offer any term between 10-years and 30-years.  Just ask.

Adjustable loans

  • 10/1 - Fixed for first 10-years
  • 7/1 - Fixed for first 7-years
  • 5/1 - Fixed for first 5-years
  • 3/1 - Fixed for first 3-years

Getting Started is EASY

We provide VA Homes Loans for properties located anywhere in Minnesota, Wisconsin, or South Dakota


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VA Mortgage Rates in MN, WI, SD