• (651) 552-3681

    Home Purchase - Home Refinance
    Serving MN WI IA ND SD

    Cambria Mortgage app
    Cambria Mortgage application

  • Cambria Mortgage, St Paul, MN
    Cambria Mortgage, St Paul, MN
    Low down payment for first time home buyers
    Lowest mortgage rates
    Award winning Joe Metzler Team at Cambria Mortgage
    Cambria Mortgage, Minneapolis, St Paul
    Cambria Mortgage, St Paul, MN
  • 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. 

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  • 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.

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  • 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.

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  • 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.

    Get A Quote

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

    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!

  • Cambria Mortgage Loan Application

    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.

  • Mortgage rate quote

    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.

  • Today's Mortgage Interest Rates

    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.

  • Cash out refinance

    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!

  • Latest Mortgage News

  • Our 2023 Housing & Mortgage Market Predictions

    Minneapolis, MN: Wow, what a ride the past three years have been.  From super low mortgage interest rates, crazy one day way over asking price multiple offers, to 40-year high inflation, highest mortgage rates in decades, and a bludgeoned housing market. This has left many

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  • Conforming Loan Limit Increases for 2023

    There could be savings on the table for you, Allison, and I don't want you to miss it! The Federal Housing Finance Agency (FHFA) has just increased the amount of money that can be borrowed through a standard home loan to more than $726K. In some areas, the limit is even higher.

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