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.

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, FL, SD, IA, ND, TX, CO.

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

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)

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.