You’ve come to the right place.
Dreaming of owning your first home but worried about the down payment? The time to act is NOW. At Cambria Mortgage we’re making homeownership more accessible than ever with low down payment options — as little as 3% on Conventional, 3.5% with FHA, or even $0 down if you qualify for VA or USDA.
Many first-time homebuyer assistance programs can reduce your out-of-pocket costs even further.
Local expertise. Modern tools. Real people who actually answer the phone.
Based in the Twin Cities. Lending in AZ, CO, FL, IA, MN, ND, SD & WI.
Secure online application 24/7 — or we’ll take it over the phone.
Upload documents securely. No need to mail or stop in (unless you want to).
Get a fast idea of how much house you can afford and which programs fit.
We match the right program to your situation — not the other way around.
Your standard loan with down payments starting as low as 3% for first-time buyers (5% for everyone else). Classic 30-year fixed rate.
Learn MoreFHA (3.5% down), VA ($0 down), and USDA rural housing ($0 down). Easier qualifying and lower down payments.
Learn MoreDown payment and closing cost help for income-qualified buyers. Some MN programs start at just $1,000 down.
Learn MoreNo problem. Start with a quick, no-obligation qualify form. Tell us a few basics — name, contact info, rough purchase price, down payment funds, and credit picture — and we’ll give you a clear idea of what you may qualify for.
Takes about 60 seconds. Doesn’t affect your credit. No pressure.
Want a payment ballpark first? Try the mortgage calculator on our Programs page.
Calculate payments, apply, upload documents, eSign, text your loan officer, and track your loan status — all from your phone.
Fast, encrypted, and built for real first-time buyers.
See How It WorksReady to see what you can actually afford? Start with a quick qualify or jump straight into the full application.