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(651) 552-3681
Home Purchase - Home Refinance
Serving Minnesota, Wisconsin, Iowa, North Dakota, South Dakota, Colorado, Florida
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.
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.
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.
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.
- 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 BrokersWe 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.
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
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
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 ★★ ★ ★ ★
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Equal Housing Lender. The Joe Metzler Team at Cambria Mortgage lends in Minnesota, Wisconsin, Iowa, North Dakota, South Dakota, Colorado, 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. Joe Metzler, NMLS 274132, Cambria Mortgage NMLS 322798. © 1998 - 2025.