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  • (651) 552-3681

    Home Purchase - Home Refinance
    Serving MN WI IA ND SD CO FL

    Upload Documents Cambria Mortgage app
    Cambria Mortgage application

  • 5 Common Mortgage Myths Debunked

    Minneapolis, MN: Buying a home might seem confusing, but don’t let these myths hold you back from finding your dream home!

    Mortgage Myths Debunked

    1) Myth: You need a 20% down payment. Fact: Loan programs start with zero for VA loans, or USDA loans, Many regular loans offer options as low as 3%-5% down! The average down payment is about 7%, and even down payment assistance for first time home buyers is available for some.

    2) Myth: You must have perfect credit. Fact: Good credit helps, and usually gets you better interest rates, but there are loan programs for a variety of credit scores.

    3) Myth: It is cheaper to rent than buy. Fact: With todays interest rates, renting may be slightly cheaper today in some areas, but you build zero in long-term equity, can’t do what you want, (like bring Fido), and just make the landlord wealthy. Plus, you can always refinance later when interest rates drop.

    4) Myth: You can not qualify if you have student loans. Fact: Your debt, be it car loans, credit cards, or student loans, all matter, but student loans do not automatically disqualify you.

    5) Myth: The hone loan process is difficult and overwhelming. Fact: From online applications, or stopping in, to eSignatures and scanning documents with your phone,  with the right lender, like Cambria Mortgage, it is simpler than you think! 

    Ready to take the first step toward your dream home? Let’s make it happen!

    We lend in the states of CO, FL, IA, MN , ND, SD, WI, only.

    Mortgage Application

    To see if you qualify, we simply need you to complete a no cost, no obligation online application. 

    You can call (651) 552-3681,  or schedule an appointment for a phone, office, or Zoom appointment right online, or for faster service, simply complete an online application

  • ** EXPERIENCE MATTERS **

    Top rated mortgage lender locally and nationally, year after year... This is because clients agree - Experienced Loan Officers with mortgage interest rates you can brag about and amazing service clearly sets us apart from the big banks and online lenders.

  • 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.

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