• (651) 552-3681

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

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  • 620 Credit Score Minimum Dropped.

    See My Recent TV Appearance on Channel 5 News

    I recently had the privilege of joining Channel 5 News to discuss Fannie Mae and Freddie Mac dropping their 620 minimum credit score requirement for conventional home loans.

    During this segment, I explain how this shift could open doors for many potential homeowners who previously couldn’t qualify, while also discussing the important nuances about what lenders will still require. It’s not quite the “green light” some media outlets are portraying – there are still crucial factors

    like debt-to-income ratios and compensating factors that determine approval.

    This change represents a notable shift in mortgage accessibility, and I’m here to help you understand how it might affect your specific situation if you’re considering entering the market in 2026.

    [Click the image below to watch my analysis on Channel 5 News]

    Joe Metzler, Cambria Mortgage on KSTP news

    Ready to see how your credit score affects your mortgage options? Don’t let uncertainty hold you back. Contact me today for a personalized credit review and discover what mortgage programs you qualify for. As a mortgage broker with access to multiple lenders, I can often find solutions even when traditional banks say no. Call me at (651) 552-3681 or apply online right on this website for your free, no-obligation consultation

  • ** 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 Information here can become out of date, and may no longer be accurate.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 - 2026.

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