• Top rated nationally, year after year after year... This is because clients agree - interest rates you can brag about and amazing service sets us apart from the big banks and out state internet lenders.

  • Eric Metzler, Senior Loan Officer

    Eric Metzler, Senior Loan Officer

    (651) 552-3692

    NMLS 276101

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    Experience matters when financing a home. Unlicensed big bank and big internet application clerks are the wrong answer for the largest financial transaction of your life. You need someone with decades of experience, who has seen everything, and can successfully guide you to the closing table.

  • About Eric Metzler, Senior Loan Officer

    Buying or refinancing a home is one of the most exciting - and one of the most important - transactions you will ever undertake. During this sometimes stressful time there are many decisions you need to make. Eric is here to assist you in making those decisions. He will guide you through the process and answer any questions you may have. Together you will determine which mortgage program and products are right for you.

    Eric started out in the mortgage business in 2001, originally as an assistance to his Dad, Joe Metzler, but quickly became a Loan Officer himself.

    As a fully Licensed Mortgage Loan Officer, Eric has successfully taken the required education, passed stringent Federal and State Licensing tests, along with criminal background checks, and his yearly continuing education classes to be able to assist you. This is important to understand, as most Loan Officers are only registers, not licensed.

    Having been here before the crash, and still here today, Eric's extensive knowledge of the mortgage process and his constant attention to the needs of his customers - ensures that your financing experience will be enjoyable. His goal is to make sure that you, as a homebuyer, understand the many financing options available. Plus, he is dedicated to ensuring that the process is as worry and hassle-free as possible. Allow him to help you achieve your dreams of home ownership.

    Financing a home can be overwhelming, even for the most seasoned homeowner. The success of your transaction has little to do with the company you contact, and everything to do with the loan officer you are working with. As a licensed mortgage professional, not only will I just take the application and process your file, but I will show you all your different options. You tell me what you really want, and then I will advise you on what I think is best based on your needs and financial goals. I'm proud to provide solutions to each of my customers, no matter what their financing needs!

    Eric and Joe Metzler were previously Loan Officers at Mortgages Unlimited until June 2019, when they switched to Cambria Mortgage to better serve their clients.

    Cambria Mortgage, is a locally owned and operated mortgage company based in Minnesota, and brought to you by the same family that brings you the industry-leading Cambria Countertops. Together we are unified to our commitment to providing all of our customers with the highest levels of quality and service in everything we do. We serve home owners in all of MN, WI, SD, IA, ND.

    Together, Joe and Eric have more than 45-years lending experience, making them the right choice to handle your dream purchase or refinance.

  • Testimonials

    Who needs paid advertising, when clients say good things for me? - Eric Metzler

  • "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 ★★ ★ ★ ★

    Eric, I do want to thank you for all of your help and advice throughout this process. Keep recommending that buyers ask for some closing costs to be covered by the sellers, I am proof that it does work even in this market!! That recommendation saved me a lot of money & I wouldn’t have done it had you not suggested it, because I thought it was impossible. I will absolutely be recommending you to any of my friends when they start looking, because you took the time to check in and break everything down for me and that made a world of difference!
    Skylar S (Jan 2022) ★★ ★ ★ ★

    THANK YOU again!!
    Joe and Eric were a real pleasure to work with. "Down to earth" conversations, patience in the process, and detailed information are just a few of their qualities. As a veteran, I greatly appreciate how they made the VA loan process painless. Thank-you. If you are looking for a honest loan processing experience, here it is.
    - Robert R., Zumbrota, MN (Oct 2021 - Refinance) ★★ ★ ★ ★

    Joe and Eric, Again, we are forever grateful for your service, time, expertise, coaching, and everything you did for our family. I cannot say this enough and I am excited to share our experiences with other military veterans. This is not goodbye, but I wanted to send our gratitude subsequent to the perfected closings x 2 this past Friday.
    - Jasper B,, Edina, MN (Oct 2021 - Purchase)

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  • Joe and Eric Metzler

  • My Commitment as Your Loan Officer

    • I will return phone calls promptly.
    • I will keep all parties informed, every step of the way.
    • I will endeavor to resolving problems quickly.
    • I will following through on each transaction right through to moving day.
    • I will endeavor to act in the best interests of the customer at all times.
    • I will establish a price for services upfront, in writing, based on information provided by the customer (Loan Estimate), so that there are no surprises.
    • The price or prices will cover all the services provided by us.
    • On third party services, such as an appraisal, ordered by us, but paid for by the customer, I will provide the invoice from the third party service provider at the customer’s request. Alternatively, I may have the payment made directly by the customer to the third party service provider (example: you pay the appraiser when he is at your home).
    • I will endeavor to make my Loan Estimate as accurate as possible (unlike the "sunshine lenders", who quote rates & closing costs which are unrealistic, in order to get your business - then surprise you later).
    • I will use my best efforts to determine the loan type, features, and lender services that best meet the customer's needs, and to find the best wholesale price for that loan.
    • When directed by the customer, I will lock the terms (rate, points, and other major features) of the loan, and will provide a copy of the written confirmation of the rate lock.
    • If a customer elects to float the rate/points, we will provide the customer the best rate available to that customer on the day the loan is finally locked.

  • Loan programs

    I am proud to offer a full suite of both purchase and refinance mortgage loan programs, including, but not limited to:

    • Standard Conventional Loans (both Fannie Mae and Freddie Mac)
    • Jumbo mortgages
    • FHA Loans
    • VA Loans
    • USDA loans (rural)
    • First Time Home Buyer programs
    • Down Payment Assistance programs

    We are also experts in Non-QM, non-traditional purchase and refinance mortgage loans, including:

    • Bank Statements for qualifying income (instead of tax returns, W2s, and pay stubs)
    • Asset based loans (you simply have a lot of money in the bank)
    • No proof of income investor loans (No Doc)

  • Our Mobile App

    It’s no secret that our world operates on the principle of instant, fast and seamless. To be expected… Client, realtor and lender expectations are built on the same foundation. As a company, we are proud to offer the tools and technology that allow us to meet and exceed the expectations of the modern consumer. We have what clients, realtors and lenders are raving about… The Cambria Mortgage Mobile App. 

    Flexible Loan Application

    Using the Cambria Mortgage Mobile App, clients have the option to apply for a home loan in as little as five minutes from a computer or on-the-go from their phone. Clients can even begin the application on one device, close out and pick up at a later time from another device. Our loan application is simple and intuitive, meaning you only answer the questions relevant to your unique situation. 

    Convenient Process

    With our secure and encrypted mobile app clients have loan details, tasks and next steps in the palm of their hand. To make things even more convenient, they are able electronically sign loan documents, follow along with the status of their loan application, and even scan and upload paperwork securely with their phone’s camera, making a document-heavy process feel just a bit lighter. While looking at homes and during times of general curiosity, clients can also explore different loan scenarios using the built in calculators and easily connect with their Mortgage Consultant and Real Estate Agent to discuss the possibilities.

    Available for iOS and Android mobile devices, clients can download the Cambria Mortgage Mobile App by simply clicking this link. Realtors and referral partners are encouraged to reach out to their Mortgage Consultant of choice to get set up.

    Get The Cambria Mortgage App

  • Our service and expertise sets us apart

  • Cambria Mortgage, Equal Housing Lender

    Equal Housing Lender, Cambria Mortgage NMLS# 322798. Branch NMLS # 1888858. The Joe Metzler team lends in: Minnesota, Wisconsin, Iowa, North Dakota, and South Dakota. Cambria Mortgage also lends in Texas, Florida, and Colorado. Nothing on this web site is an offer to lend or to extend credit, nor is this a guaranty of loan approval or commitment to lend. The information here may not be up-to-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. © 1998 - 2021