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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.
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.
STEP 1
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
Submit all your paperwork, like pay stubs, W2's, and bank statements.
STEP 3
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 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.
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!
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
Everything you need to know about the home buyer process from A - Z
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1549 Livingston Ave, Suite 105
Saint Paul, MN 55118
Contact
Main (651) 552-3681
Joe@JoeMetzler.com
Cell/Text (651) 705-6261
We also call from
(651) 615-7545
(952) 486-6135
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, FL #LO119389, CO #100536785
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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.