First Time Home Buyers
You’ve come to the right place.
Dreaming of owning your first home but worried about the down payment? Stop scrolling and listen up! The time to act is NOW! At Cambria Mortgage, we’re making homeownership more accessible than ever with incredible low down payment options. Imagine getting into your dream home with as little as 3% down on a Conventional loan, 3.5% down with FHA, or even zero down if you qualify for VA or USDA! Plus, many first-time homebuyer assistance programs can reduce your out-of-pocket expenses even further. Don’t miss out on this opportunity to turn your homeownership dreams into a reality. Click the APPLY ONLINE link below to apply and discover how affordable your new home can be or call (651) 552-3681
First Time Home Buyers are our Specialty
Local Business
Cambria Mortgage is based in Eden Prairie, MN. Lending in CO, FL, IA, MN, ND, SD, WI
Secure Documents
Upload your documents securely. No need to mail or stop in (unless you want to)
Our App
Use our Smartphone app to apply, upload documents, see the status of your application, run payments. and more.
Quick Qualify
Get a quick idea how much house you can afford, what payments might look like, and what programs you can qualify for!
Unlock Endless Possibilities: Download The Cambria Mortgage App Today!
Ignite your homebuying journey with the cutting-edge Cambria Mortgage App, powered by 2025 technology! Instantly calculate estimated payments, breeze through your application, snap pictures and upload documents with ease, eSign paperwork in seconds, text or call your Loan Officer, and track your loan status in real-time—all from your device. Embrace the future of fast, seamless, and stress-free mortgage solutions. Download our free encrypted and secure app now and make your dream home a reality
Popular Loan Options
Conventional
Your ‘standard’ loan, with down payments starting as little as 3% down for first time home buyers, and 5% down for everyone else. This is your everyday typical 30-year fixed rate loan. APPLY
Government Loans
Home loans backed by the government, allow for easier qualifying and smaller down payments. FHA loans (3.5% down), VA loans ($0 down), and USDA rural housing loans ($0 down). APPLY
Assistance Programs
We offer many down payment, and closing costs assistance programs for those who income qualify. Popular MN programs start at $1,000 down, or national programs with just 1% down. APPLY
How To Apply?
We understand applying for a home loan, especially your first time can be scary. We get it, we were first time home buyers once too.
But there is no need to worry. Most people start out with a phone call, where one of our loan experts will answer all your questions, and give a quick overview of your potential loan options.
Ultimately, we will need your full application to make a lending decision. Most people APPLY ONLINE, but we will be more than happy to schedule an appointment with you for a sit down application, a virtual application via Zoom, or to take your entire application over the phone.
Once we have your full application, we will review it, along with an initial soft pull credit report, which has zero impact on your credit, to determine what programs you qualify for, how much house you can afford, what your payments might look like, and how much money for down payment and closing costs you’ll need to pull it all together.
The Pre-Approval Letter
Assuming everything looks good, we will issue you a Pre-Approval Letter. This documents tells both your Real Estate Agent, and the agent selling the house you want to buy, that you have already gone through the initial loan process, and that Cambria Mortgage is ready to give you a loan, once you find that perfect new home.
Testimonials
What other say about FirstTimeHB.com | Cambria Mortgage, the Joe Metzler Team
“I had no idea how the mortgage process worked, but Joe made it incredibly easy for us! From start to finish, he was always available to answer my questions, no matter when I called, and he kept in touch consistently to make sure I was never left in the dark.
He worked seamlessly with our realtor, making the entire home-buying experience smooth and stress-free for us. His attention to detail and dedication to getting everything done efficiently truly stood out. If you would have told me that the mortgage process would be a positive experience, originally, I would have laughed – but after working with Joe, it became a reality!
The app was super helpful as well, which allowed me to track my loan application progress, see what documentation was needed, and even upload everything directly from my phone—super convenient!
If you’re looking for someone who is knowledgeable, responsive, and genuinely cares about his clients, I highly recommend Joe Metzler!
Brandon W, St Paul, MN. (Purchase, March 2025) ★★ ★ ★ ★
Why Choose Cambria Mortgage
Get ready to own your dream home with the Joe Metzler Team at Cambria Mortgage! We’re pumped to offer killer home loans for buying or refinancing 1 to 4-unit properties. As a direct lender, we’ve got the full lineup: FHA, VA, USDA, bank statement, no-income-doc investment loans, plus first-time buyer and down payment assistance programs that’ll make your head spin!
Leading the charge is Joe Metzler, St. Paul’s Branch Manager and a mortgage rockstar with over 25 years of experience. This multi-award-winning Loan Officer knows how to make things happen, being recognized as the 2014 MN Mortgage Associations Loan Officer of the Year, and a National Association of Mortgage Brokers 2024 Mortgage Broker of the Year,
“Today’s mortgage market is wild, and those faceless clerks at big banks or online lenders just can’t keep up. Mortgages aren’t cookie-cutter, and I thrive on finding the perfect loan for your unique financial vibe. Your home is your biggest investment—why let it be a stressful, confusing mess? I’ve got your back every step of the way.
From straightforward deals to complex cases, my expertise shines. I rescue files others can’t crack due to their lack of know-how. Expect lightning-fast communication, pinpoint accuracy, and on-time closings with rates that’ll make your friends jealous!”
Communication, Responsiveness, Accuracy, Turnaround and most importantly, we close on time, every time with a rate you can brag about. Apply today, and together, let’s make your home buying dream come true. Already own a home, just need to refinance? We have you covered there too!
Passionate
We LOVE seeing the smile on your face as you sit at the closing table, being handed the keys to YOUR new home!
Professional
Most mortgage Loan officers are simply registered, not licensed. We only employed licensed Loan Officers
Award Winning
We have a lost list of local and national awards, including the NAMB 2024 Mortgage Broker of the Year
Contact Us
Our office is located at 1549 Livingston Ave, Suite 105 in West St Paul, MN.
Office:
(651) 552-3681
Email:
Joe.Metzler@CambriaMortgage.com
Schedule an appointment
Pick any day or time you see available. You can choose a phone, in-office, or Zoom appointment.
Stop Renting – Start Owning
FirstTimeHB.com by Cambria Mortgage is your premier mortgage lender dedicated to empowering first-time homebuyers. We offer secure mortgage applications, robust down payment assistance programs, and expert guidance tailored to your homeownership journey. Specializing in first-time homebuyer loans, we proudly serve Colorado, Florida, Iowa, Minnesota, North Dakota, South Dakota, and Wisconsin. You can trust Cambria Mortgage for competitive mortgage rates, flexible loan options, and a seamless path to your dream home.