• (651) 552-3681

    Home Purchase - Home Refinance
    Serving Minnesota, Wisconsin, Iowa, North Dakota, South Dakota, Colorado, Florida

    Upload Documents Cambria Mortgage app
    Cambria Mortgage application

  • Home Mortgage Loans in MN, CO, FL, IA, ND, SD, WI

    Are you searching for a reliable mortgage lender in the upper Midwest, Colorado, or Florida? Look no further than Cambria Mortgage. Our experienced team, led by Joe Metzler, is dedicated to helping you find the perfect home loan that aligns with your financial goals and lifestyle.

    We go beyond simply providing rate quotes. Our comprehensive mortgage analysis takes into account your unique financial situation, ensuring you make informed decisions about your home loan. We'll help you understand the intricacies of different loan programs and their potential impact on your long-term financial health.

    With competitive interest rates, low closing costs, and a streamlined application process, we've made it easy for you to get pre-approved and secure your dream home. Our commitment to exceptional service and customer satisfaction is evident in our 98% overall recommendation rating.

    Contact Cambria Mortgage today to learn more about our mortgage solutions and how we can help you achieve your homeownership goals.

  • Cambria Mortgage Loan Application

    Ready to Apply? Start Your Mortgage Journey Online

    Our convenient online mortgage application is available 24/7, allowing you to start your application at your own pace. There's no application fee and no obligation, and we'll only perform a soft credit pull for our initial review to protect your credit score.

    Take the next step towards homeownership today.

  • Mortgage rate quote

    Are you in the early stages of homeownership? Not sure which loan program is right for you? Our quick quote form offers a no-commitment way to explore your mortgage possibilities. Simply provide some basic information, and our licensed Loan Officers will review your details and provide personalized guidance on potential loan options.

    Take the first step towards your dream home today.

  • Today's Mortgage Interest Rates

    Check Today's Mortgage Rates and Get a Personalized Quote

    Stay informed about current mortgage interest rate trends with our easy-to-use tool. See national average rates to get a general sense of the market.

    Ready to take the next step? Complete our no-obligation Quick Quote form for a personalized rate based on your specific financial situation.

  • Cash out refinance

    Consolidate Your Debt and Save with a Cash-Out Refinance

    Struggling to manage high-interest credit card debt? A cash-out refinance could be the solution you're looking for. By combining your existing debt into a single mortgage payment, you can potentially lower your monthly payments and save on interest. Refinance Calculator

    Contact us today to explore how a cash-out refinance can help you achieve financial freedom.

  • Fast and Easy Application Process

    STEP 1

    COMPLETE A SIMPLE APPLICATION

    Online, over the phone, in-person, or with our mobile app. Applying Online is the most popular option. You can also have an in-office, phone call, or Zoom appointment. Schedule it here.

     

    STEP 2

    GET YOUR LOAN APPROVED

    Submit all your paperwork, like pay stubs, W2's, and bank statements.

     

    STEP 3

    RECEIVE YOUR PRE-APPROVAL LETTER

    Once all the previous steps are done, you are ready to meet with a Real Estate Agent to find that perfect home.

  • Tired of Mortgage Confusion? Cambria Mortgage, the Joe Metzler Team is Here to Help

    Tired of Mortgage Confusion? Cambria Mortgage is Here to Help

    Forget about impersonal phone apps, robots, and unlicensed application clerks at the banks. At Cambria Mortgage, we believe that buying a home is a personal journey that requires personalized attention. That's why we've built our business around providing expert guidance and exceptional service from start to finish.

    As a local, licensed mortgage lender, we offer competitive interest rates and personalized support from our experienced Loan Officers. Unlike the big banks and online lenders, we're committed to helping you navigate the home buying process with ease.

    Whether you're searching for mortgage rates in our backyard of Minneapolis, St. Paul, or any of our other service areas, including Colorado, Florida, Iowa, North Dakota, South Dakota, or Wisconsin, we're here to assist you. Our goal is to help you secure a home loan that fits your budget and exceeds your expectations, all while ensuring a stress-free experience.

    Contact Cambria Mortgage today to learn more about how we can help you achieve your homeownership dreams, get you a competitive rate without all the hassle.

  • Here are just a few reasons to work with us:
     
     We answer the phone! I’m always available for you. Including nights and weekends when the banks are closed.
    You can’t beat 50+ years of combined industry experience.
    Multiple Award winner - both local and nationally.
    Named 2024 Mortgage Broker of the Year, by the National Association of Mortgage Brokers
    We make the process as easy and painless as possible for all my clients.
    It’s easy to do business with us.
    We get the best possible deal for my clients.
  • MORE REASONS TO CHOOSE CAMBRIA MORTGAGE

    Streamlined Digital Process: Experience a hassle-free mortgage application with our fully automated online platform. Enjoy electronic signatures, secure document transfer, and instant approval systems for a faster, more convenient process.


    Real-Time Updates: Stay informed every step of the way with our user-friendly smartphone app, providing instant notifications on your loan progress.


    Personalized Service: While technology streamlines the process, we never forget the importance of personal attention. Our experienced team is dedicated to guiding you through your mortgage journey.

    Competitive Rates: Benefit from our competitive mortgage rates, backed by our reputation as a leading lender in Minnesota.
    At Cambria Mortgage, we combine the power of technology with the value of personalized service to deliver a superior mortgage experience.

    Plus we even give you instant notification for each step of your loan with our Smartphone app! Install it today!


  • Latest Mortgage News

  • VA Loans in 2025: A Game-Changer for Veterans

    VA Loan in 2025: A Game-Changer for Veterans As of 2025, VA loans continue to be one of the most powerful benefits available to veterans, active-duty service members, and eligible surviving spouses. Backed by the U.S. Department of Veterans Affairs, these loans offer

    Read more

  • Find out how much mortgage payment you can afford

    Find out how much mortgage payment you can afford  Minneapolis, MN: Whether you're a first-time homebuyer or looking to upgrade to a larger home, understanding how much mortgage payment you can afford is crucial. Here at Cambria Mortgage, we help you navigate

    Read more

  • What Our Clients Say

  • Joe was very informative, unbelievably knowledgeable in his field! He helped us finance our dream home. I hope to never move again but if I did, I will call Joe! Great guy! I highly recommend!
    Beth A (Purchase, Sept 2023) Pine City, MN. ★★ ★ ★ ★

    Very satisfied. Everything was so well explained, and both of you are great trouble shooters! I feel that you and Eric were the perfect team to successfully offer us an asset depletion loan. You both are truly experts in your fields!!
    Ken M. (Purchase - April 2022) Minneapolis, MN ★★ ★ ★ ★

    I highly recommend Joe and Eric, they made the process simple and quick! Joe is highly knowledgeable and can get the job done.
    Anita M. (Investment Property Refinance), International Falls, MN ★★ ★ ★ ★
  • Explore the possibilities

    Install the Cambria Mortgage App

    With Our FREE Mobile app for iPhone ™ or Android ™ you can do a full loan application, follow the status of your loan, scan and upload documents, calculate potential house payments, and more! You also get direct contact with your Loan Officer, have push notification reminders for important dates (appraisal, closing, rate lock etc.), initiate a chat, and contact information for all involved. Mobile Capture Technology even allows you to scan and securely upload documents, and via our secure portal, you can view, eSign, and download loan documentation (approval, appraisal and closing docs).
  • Get our Free First Time Homebuyer Handbook

    Everything you need to know about the home buyer process from A - Z

    Get It Now

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