• (651) 552-3681

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

    Upload Documents Cambria Mortgage app
    Cambria Mortgage application

  • About Joe Metzler, Loan Officer

  • Joe Metzler, Senior Loan Officer

    (651) 552-3681

    NMLS 274132. Licensed in MN, WI, IA, ND, SD, CO, FL.

    My unique advantage is that I have been in the home loan business over 25-years. Experience is everything in this industry, and as a top 1% Loan Officer in the country, I have the experience of all facets of mortgage lending to help you to the closing table.

    I can tell you that getting a home loan approved and closed IS CHALLENGING in today's market, and LOW LEVEL application clerks at the big banks and large internet lenders fall very short. You need the right person on your team.

    It is more important that ever to get the best interest rate and program for yourself by working with extremely well qualified Loan Officers and Real Estate Agents. You will pay the same rate and closing costs for someone in the business 20-years and someone who got into the business six months ago. 

    I understand that mortgages are not a one-size-fits-all business, and I take pride in understanding my client's financial scenario and identifying the loan that best suits their needs.  I know what happens at each step of the home loan process and why. Your home is the single largest item you will ever finance and the process shouldn’t have to be so hard, confusing, or scary and you shouldn’t have to do it alone. 

    With an expertise in all aspects of home mortgages, I can cater to both simple and challenging scenarios. I often assume files that others can't figure out how to get approved, primarily due to lack of experience.

    Easy or hard, I appreciate the opportunity to assist you in making your home ownership dreams become reality. I am your partner from start to finish. So what sets me apart from everybody else? Communication, Responsiveness, Accuracy, Turnaround and most importantly…….. Close on Time, Every Time!!!" 

    - Joe Metzler

    Experience and Education Matter

    Joe Metzler is a nationally known mortgage expert, with over 25-years lending experience. He has personally closed thousands of mortgage transactions equaling well over $500 million dollars in closed loans. Locally, Joe has been named the Minnesota Mortgage Associations coveted State of Minnesota 2014 Loan Officer of the Year, and has been recognized nationally will multiple year awards as a Top 300 in the nation Loan Officer.

    He has written many articles on mortgage loans for numerous industry publications and web sites including Bankrate.com. Joe has also taught classes for Loan Officers, Realtors, and first time home buyers.  Joe has appeared on multiple radio stations, TV stations, and articles as the mortgage expert. With each customer's desires and goals his top priority, Joe Metzler is ready to assist with all your financing needs!

    Joe started out as a Loan Officer at a small broker shop in the 1990's, then moved to Mortgages Unlimited in 2000. Quickly becoming a top rated Loan Officer for them for just under 19-years, until June 2019. At which time he made the switch to Cambria Mortgage to better serve his 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. Joe and Cambria Mortgage serves home owners in all of MN, WI, IA, ND, SD, CO, nd FL.

    Did You Know?

    Did you know around 70% of Loan Officers are not licensed? Yikes. 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!

  • Joe's Personal Awards and Recognition's

    • 2023, 2022, 2021, 2020, 2019, 2018 - Super Mortgage Professionals™ (Twin Cities Business Magazine)
    • 2020, 2021, 2022, 2023 - Best Mortgage Company in St Paul, MN
    • 2018 - Top 300 Loan Officer in the nation (National Mortgage News)
    • 2016 - Top 300 Loan Officer in the Nation (National Mortgage News)
    • 2015 - Top 100 Loan Officer in the Nation (National Mortgage News)
    • 2014 - Minnesota Loan Officer of the Year (Minnesota Mortgage Association)
    • 2011 - 40 Most Influential Mortgage Professionals to Watch (NMPM)
    • 2010 - Top 150 Loan Officer in the Nation based on Dollar Volume (Origination News)
  • When you finance through the Metzler Team, there are no surprises at closing because we provide you with prequalification advice, ongoing assistance and follow-up support. Working together, real estate agents, builders, title companies, appraisers and homebuyers, the Metzler Team has developed a solid reputation for dependability, honesty and consistently successful performance. You can trust that this expertise will result in a smooth and stress-free experience for you too.

    Joe is also a MMS (Minnesota Mortgage Specialist). What is the Minnesota Mortgage Specialist (MMS) designation?

    Currently less than 100 people in Minnesota have completed the requirements to earn their MMS designation! The Minnesota Mortgage Specialist designation is the title given by the Minnesota Association of Mortgage Brokers, Inc. (MAMB) to Minnesota mortgage professionals who choose to distinguish themselves as experienced, well-educated, ethical operators by successfully completing educational and professional requirements set forth by MAMB. As well as annually participating in continuing education pertaining to industry law and ethics. To achieve this designation, an MMS must have at least two years experience in the industry, attend the Minnesota Mortgage Lending School, take Mortgage Law and Ethics classes, and successfully pass the MMS test. To retain their designation, an MMS must maintain at least 6 hours of continuing education per year.

    Joe is a lifelong resident of the Twin Cities area, and a 1998 Graduate of the Residential Mortgage Lending School, something very few Minnesota Loan Officers can claim. This was also well before the 2011 mandatory licensing rules non-bank Loan Officers. These classes and designations back then were all voluntary, and Joe took the extra time and effort to be the best in the business.

    With dozens of competing lenders and mortgage programs to choose from in an industry that depends on quality and service, he can't afford to make mistakes and still continue to be strong and effective. His single most distinguishing feature is the consistent level of professionalism and thorough service given to his clients, builders, real estate agents, and investors.

    Having helped Realtors and Builders successfully close many transactions, knowledgeable and dedicated, Joe believes in doing the job right the first time. He has an answer for even the most complicated situation. He firmly believes in people, community, and home ownership. Joe and his team are committed to providing outstanding service... Service you can depend on! Whether you are buying your first home or your dream home, refinancing, or a debt consolidations loan, call Joe today for all of your mortgage financing needs.

    Once you meet Joe, it's easy to see why he is a successful, and highly rated mortgage expert. His track record is exceptional by any standard. Personally, Joe is just as impressive: confident, organized, friendly and helpful. He exudes a professional and personal style that is hard to resist. 

  • 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.
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