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Just starting? Not ready for a full application? This quick qualify option is here to help narrow down options based on your individual needs. Answer a few simple questions, then we can narrow down programs and options.
Ready to fully apply? Our online loan application process is quick, easy, and secure. You can also schedule an office appointment, phone appointment, or virtual appointment. Apply today, get an answer today.
Your actual interest rate and closing cost will vary greatly based on many factors, including credit score, loan program, down payment size, and more. Get a free personalized rate quote. No SSN needed.
Free, and No Obligations:
By giving us a few details, we can provide you with an accurate interest rate and closing cost quote based on your personal situation. Quotes provided by an experienced Licensed Loan Officer, not a computer.
Welcome to Cambria Mortgage, the Joe Metzler team. Joe and his team are committed to helping you make a truly informed mortgage decision. Our advice goes way beyond just quoting rates and fees. We provide you with a complete analysis of your mortgage debt picture through analysis and reports. Most people don't understand the life changing differences between different loan programs, but we want to make sure YOU do.
With our low interest rates and low closing costs, you might be wondering about the kind of service or expertise you'll receive. You're in for a pleasant surprise. We've gone to great lengths to streamline the loan process and make it the easiest, most convenient experience imaginable. No appointment needed. No account numbers or shoe box full of financial papers. Just the information that's in your head.
Find out how good it feels to work with a lender that delivers on both price and service. Read our reviews, then you'll know why we enjoys a 98.0% overall recommendation rating, which we'd like to point out is a far higher standard than mere satisfaction.
I have closed thousands of loans in my career. That's a lot! Those customers contributed to our continuing success because they know WE GOT THEM A BETTER DEAL!
Phone apps, robots, application clerks, and rockets don't care about you or your loan. It would be cool to just push a button and magically get a mortgage loan, but it really doesn't work that way, no matter what the TV commercial shows.
How can you be sure you are getting the best deal? We are in your corner. As the actual lender, home loans are all we do. We beat the banks, the big internet lenders, and the Realtor's in-house lender everyday with our great interest rates on home loans, and personalized service from LOCAL professional Licensed Loan Officers.
Cambria Mortgage pros like Joe Metzler work directly with you to ensure you stay informed and on track throughout the entire performance. We succeed when you succeed. Our ultimate goal is to create lasting relationships by closing your home loan on time with a stress free process.
We can do the same for you! So if you are checking mortgage rates in our backyard of Minneapolis, St Paul, or all of Minnesota, Wisconsin, South Dakota, North Dakota, Iowa, we can help you get the lowest cost mortgage of anyone on your area, saving you thousands of dollars!
READY TO APPLY? Our Secure Online Mortgage Application is available 24/7. There is no application fee, and we will only move forward with an actual loan your permission after reviewing all your options with you.
WANT JUST A QUICK QUOTE? Complete the Quick Quote Form. This option allows our Licensed Loan Officers the opportunity to research current mortgage interest rates, refinance options and programs, then get back to you with our accurate quote.
Check today's mortgage interest rates based on your personal situation. Get live market mortgage rates and closing cost cost options. Pick what interest rate or closing cost option works best for you.
Pay off those high interest rate max'd out credit cards, with a Cash Out Refinance. Lower your total household monthly payments by hundreds of dollars by combining all your debt into one single mortgage payment.
TOP REASONS YOU SHOULD HAVE US HELP YOU:
We keep it simple for you! Slick advertising is not our game. We are a top MN lender, and it's not just because of our LOW mortgage rates. Its because we offer the whole package! We provides fully automated digital process, with all of the latest electronic signatures, secure document transfer, and instant approval systems. Plus we even give you instant notification for each step of your loan with our Smartphone app!
1% down mortgages? Beware the small print. Minneapolis, MN: Like everything that sounds to too good to be true, be careful of what they don’t tell you! A big internet lender just announced their new 1% down home loan program. The program requires a buyer whose income is
Minneapolis, MN: Should you keep renting, or is it time to buy? That is a question may people are asking right now. You have to live somewhere, and that somewhere almost always should be your own home, plus the benefits of homeownership generally mean, no matter what is going on
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33 Wentworth Ave E, St Paul, MN 55118
(651) 552-3681
Joe@JoeMetzler.com
Cambria Mortgage
NMLS# 322798 Branch: 1888858
Joe Metzler Loan Officer
NMLS# 274132. License MN #MLO-274132, WI #11418. SD #MLO.03095, ND #NDMLO274132, IA #36175
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Equal Housing Lender, Cambria Mortgage NMLS# 322798. The Joe Metzler team at Cambria Mortgage lends in: Minnesota, Wisconsin, Iowa, North Dakota, South Dakota, and Florida only. This is not an offer to lend or to extend credit, nor is this a guaranty of loan approval or commitment to lend. Information here can become out of date, and may no longer be accurate. Products and interest rates are subject to change at any time due to changing market conditions. Not all programs available in all states. Actual rates available to you may vary based upon a number of factors. Consumers must independently verify the accuracy and currency of available mortgage programs. All loan approvals are subject to the borrower(s) satisfying all underwriting guidelines and loan approval conditions and providing an acceptable property, appraisal and title report. © 1998 - 2023, Joe Metzler, NMLS 274132. Cambria Mortgage NMLS 322798