We provide USDA loans in Minnesota, Wisconsin, and South Dakota


Are you looking to purchase a rural home with no down payment?


Have you heard all the buzz about USDA Loans and want to find out more?


USDA Rural Development loans have helped thousands of people in MN, WI, IA, ND, SD,CO, or FL buy homes with no down payment than just about any other mortgage loan program.




Are easier to qualify for because they are guaranteed by the federal Government. This means lenders are more willing to approve more people.


Have no down payment - The lack of a down payment is the biggest hurdle stopping most people from buying a house. With no down payment required... No reason why you can't buy a home today.


Allow less qualified people to buy a home - You don't have to have perfect credit to qualify (but you can't have bad credit either). You need a middle credit score of at least 620.


Are more affordable because they offer lower interest rates than other loans, and they have cheap mortgage insurance compared to other loans - making the home more affordable to you.


As a official USDA loan lender in MN, WI, IA, ND, SD,CO, or FL , we can offer some of the lowest USDA mortgage rates around. We are very experienced USDA mortgage professionals that will guide you in the right direction, and keep you informed of your loan throughout the process.


You don't need to go to a USDA Office - While those people may be nice people, they only know, offer, and understand USDA loans. If another loan option is better, they wouldn't know about it, and can not offer it. If you don't qualify for a USDA loan. They can't help you further. You'd have to start all over again with a different lender. Save yourself the trouble. Let us analyze your situation from the initial application, and offer the most appropriate loan for you.  Apply online right now, and have an answer in a few hours!



This program is, in my humble opinion the best mortgage available to help many areas increase sales, over come the negative effects of the housing market the past few years, and truly help buyers and sellers.


USDA Loan highlights:

  • No down payment
  • Roll in closing costs into the loan
  • Very low PMI (private mortgage insurance) costs compared to other mortgage loans.
  • NOT just for super "rural" areas. USDA definition of rural, and what most of us consider rural, may be two different things.
  • All homes, condos and townhomes qualify if there are in a "eligible area".
  • 620 credit score or higher
  • Properties that produce income (farm, duplex, business on property) do not qualify

Get Approved for a USDA Home Loan in 3 simple steps from a Cambria Mortgage USDA Loan Expert


STEP 1: Do a  USDA INCOME Eligibility Check

STEP 2: Do a USDA PROPERTY Eligibility Check

STEP 3: Apply Online or call (651) 552-3681



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